Proof of Performance
The most important metric for our success are the results our partners achieve. Learn how EFL is increasing lending opportunities while decreasing risk for the world’s elite lending institutions.See More
Business Partners Limited
International SME lender Business Partners mandates EFL screening tool across its African footprint.
Banco G&T Continental
Through the partnership with EFL, G&T succeeded in decreasing default rate by 72% and increasing client base by 53%.
Edgars successfully extended credit to the previously untapped informal sector, which constituted 18% of all its new accounts.
EFL allowed a 2.7% delinquency rate at 90 days in the group of customers attracted by its psychometric test.
EFL enabled a 35% increase in approvals with no change in default rate.
EFL proved the ability to reduce default rate by 45%*
See for yourself
Our leadership, partners, lenders and small business owners on the benefits of EFL. Learn about our history, methodology, current events and get direct accounts about how EFL is transforming lending in developing markets.See More
WSJ profile of EFL: Personality Test Combats Risks of Low-Income Lending
Santander Approves More College Students with EFL
Fintech Innovation in Latin America (Panel at LendIt)
Rodrigo Sanabria at the Mexican National Microfinance Meetup
How Te Creemos Safely Approves More People with EFL
Luis Sanchez Perspectiva 2017 de la Industria de Crédito y Cobranza
In the News
Press from Around the World
Check out international news coverage of EFL's breakthrough technology and its impact in emerging markets.See More
Finnovista Pitch Day Quito featuring Bailey Klinger
WSJ names EFL finalist in Financial Inclusion Challenge
Podcast: Webinar On Process Automation, Scoring Psychometrics, And OCC Fintech Charter
The pros and cons of psychometric credit scoring
A New Way to Score Credit Risk – Psychometric Assessments
Game’s on for Sovcombank credit scoring
White Papers, Research and Analysis
Explore the work that is shaping the global discussion around access to finance, entrepreneurship and psychometrics with these reports from around the world.See More
Fintech innovations you didn't know were from Latin America and the Caribbean
Harnessing the Fintech Revolution: How Digital Innovations are Revitalizing MSME Finance in Latin America and the Caribbean
Non-banking Finance Companies: The Changing Landscape (PDF)
Psychometrics as a Tool to Improve Screening and Access to Credit
Behavior Revealed in Mobile Phone Usage Predicts Loan Repayment
Enterprising Psychometrics and Poverty Reduction
Click on any of the image thumbnails to the right to see the full versions in a gallery/lightbox view.See More
* Default reduction refers to the impact of removing the bottom two quintiles of EFL scorers from the borrowing population