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
Webinar on MicroBank’s pilot on psychometric scoring with EFL
Mastcard Foundation Webinar: Using Psychometrics for smallholder credit scoring
Webinar with the World Bank Group: Including Psychometric Testing Into Credit Risk Assessment
Fiinlab Lecture featuring EFL
FINNOSUMMIT Bogota 2017 | Panel featuring EFL CEO Jared Miller
WSJ profile of EFL: Personality Test Combats Risks of Low-Income Lending
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
Kenya leads Africa in financial inclusion innovation
Mapping Africa’s Latest Innovations in Digital Finance
These 16 companies want to make technology work for everyone
Do you have a creditworthy personality? Psychometric quizzes help score people with little or no credit
BTPN uses analytics to reduce turnaround time of loans processing by 16 percent
How banks and fintechs are partnering for financial inclusion
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
Journal of Organizational Behavior: Personality‐based selection of entrepreneurial borrowers to reduce credit risk
How Financial Institutions and Fintechs Are Partnering for Inclusion: Lessons from the Frontlines
Alternative Data Transforming SME Finance
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)
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