alternative-credit-scoring
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The Credit Score Hiding in How You Use Your Phone
Credolab does not read a borrower's credit history. It studies the anonymous choreography of a digital application - then gives lenders a second opinion in less than a second.
Moove
Moove is an African-born global mobility fintech that finances vehicles for gig-economy drivers who are shut out of traditional bank lending. Using alternative, revenue-based credit scoring built on ride-hailing and delivery earnings, Moove lets drivers on platforms like Uber lease brand-new cars and pay them off through a share of their weekly income - a 'drive it, own it' model. Founded in Lagos in 2020 by Ladi Delano and Jide Odunsi, it now operates one of the world's largest managed ride-hail fleets and has become Waymo's autonomous-fleet operations partner across major US and UK cities.