Grow your portfolio
With less risk

Three billion people lack the credit history lenders require to make a loan. This creates a massive missed opportunity. But how do you know who will repay?
With EFL’s digital credit assessment, you can quickly select the best people to say yes to, where other lenders are forced to say no.

The proven leader in alternative credit scoring

We have 10 years of experience applying psychometrics and behavioral science to loan repayment. That means we know how personality drives credit risk, across cultures and segments. And we apply this knowledge to effectively score anyone, anywhere, at any time. Over 35 lenders across 15 countries trust EFL to safely grow their lending portfolios. With more than $1.5 billion lent across hundreds of thousands of loans, EFL will empower you to grow without the risk.


Reduce Risk

Assess and manage individual default risk. Incorporating character and willingness to pay means building better quality, more profitable portfolios.


Increase Lending

By enhancing your understanding of consumer and small business risk, you can safely grow your customer base. Fortify your competitive advantage by utilizing predictive information other lenders lack.


Boost Efficiency

Integrate EFL into your existing credit and scoring processes. By automating and streamlining the loan decision-making process, you’ll save time and money.

See EFL’s Results

  • Equifax (EFX) set out to determine if EFL could add value to its MSME scoring in one of their biggest markets in Latin America: Peru.
  • A 12 month, 800 borrower pilot was designed with a leading Peruvian financial institution.
  • EFL’s results enabled significantly increased predictive power in the MSME segment (see Exhibit A below)
  • EFL and EFX have since partnered regionally to offer the expanded credit scoring solution market-wide.
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EFL proved the ability to reduce default rate by 50%

* Default reduction refers to the impact of removing the bottom two quintiles of EFL scorers from the borrowing population

  • GMG, a leading Peruvian electronics retailer targeting lower and middle income consumers, sought to expand its credit offering to the un-banked.
  • GMG engaged EFL in 2013 to improve analytics on customers without credit history, enabling new credit in a previously inaccessible market.
  • After 12 months using EFL’s psychometric credit scoring technology, GMG was able to grow its client base by 35% without any increase in default rates.
  • Encouraged by these results, GMG has expanded the use of the EFL tool to other markets in Central America, beginning with Guatemala.
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EFL enabled a 35% increase in approvals with no change in default rate.

* Default reduction refers to the impact of removing the bottom two quintiles of EFL scorers from the borrowing population

  • BTPN, Indonesia’s 4th largest MSME lender, engaged EFL to better leverage credit data analytics and streamline its credit screening processes.
  • EFL worked with BTPN to redesign its loan origination process around the EFL scoring tool, enabling faster decision-making and better resource allocation.
  • This process redesign resulted in a turnaround time reduction of 79%.
  • Encouraged by pilot results, BTPN decided to roll out the EFL-enabled process across its 600+ branch network.
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EFL enabled a 79% reduction in end-to-end turnaround time

* Default reduction refers to the impact of removing the bottom two quintiles of EFL scorers from the borrowing population

Our Reputation is Built on Results

EFL works for some of the world’s most respected lending and credit institutions.

Global Reach, Local Understanding

EFL is already working across four continents and 15 countries.

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