Kwiky Mobile access to credit for the informal sector

Kwiky is a B2B platform that specializes in using mobile data from partner Mobile Network Operators and applies machine learning to determine the creditworthiness of an applicant. The target market is the underbanked/unbanked to achieve financial inclusion by providing access to mobile credit money from financial institutions for short-term liquidity financing of nano-loans. The startup reduces/eliminates the information asymmetry that banks or financial institutions need from applicants before they can disburse money. Variables considered are geo-data, call logs, sms logs etc to determine credit worthiness.