Updated Apr 05, 2018

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Empowering the underserved to use their data to access financial products at a lower cost, faster and more conveniently

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Amie Vaccaro

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Stage 5: Scaling

LenddoEFL has provided credit scoring, verification and insights products to 50+ lenders, across 20+ countries, serving 6 million people and lending $2 billion USD.

Registered as a For-Profit in Singapore.

Focus Areas:

Economic Empowerment, Digital Finance, Finance and 3 MoreSEE ALL

Economic Empowerment, Digital Finance, Finance, Economic Growth and Trade, Entrepreneurship and Financial Sector & InvestmentSEE LESS

Implemented In:

Costa Rica, Colombia, Ecuador and 10 MoreSEE ALL

Costa Rica, Colombia, Ecuador, Mexico, Ethiopia, South Africa, Peru, Philippines, Guatemala, Kenya, Indonesia, India and ZimbabweSEE LESS

Lives Impacted to Date
Key Partner
Countries Implemented In
Verified Funding


Roughly 2.5 billion people lack access to a full range of financial services.



LenddoEFL’s credit scoring, verification and insights products allow financial institutions to serve more underserved people. We use AI and advanced analytics to bring together the best sources of digital and behavioral data so lenders in emerging markets can confidently serve underbanked people and small businesses.

Target Beneficiaries

underbanked people and small businesses in emerging markets

Mission and Vision

LenddoEFL’s mission is to provide 1 billion people access to powerful financial products at a lower cost, faster and more conveniently.

Innovation Description

Credit scoring with alternative data to reach the under-served. Lenders attempting to reach the un-banked, under-banked, un-scorables, including banks, microfinance institutions, and retailers.Allows for lenders to safely and profitably reach the under-served.

Competitive Advantage

1. Our data advantage. Our unique credit decisioning tools draw from diverse, large and unstructured data sources using deep learning, AI and advanced analytical techniques. We can mine psychometric, behavioral, social media, email, call detail records, transactional, mobile phone and other sources of data for an accurate understanding of creditworthiness.

2. Our tools are universally able to score anyone regardless of population, country, technology access or previous financial history. We help lenders assess credit risk no matter what their sales channel is and no matter what level of the economic pyramid people are at.

3. We have 10+ years of experience building models for emerging market lenders with dozens of off the shelf models. We have a global team of 80+ leading credit risk experts, data scientists, developers, analysts, business development professionals and more. We serve over 50 clients across 20+ emerging markets and growing.


Feb 2018
Lives Impacted
Date Unknown
New Country Implemented In
Date Unknown
New Country Implemented In
Date Unknown
New Country Implemented In