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
Why EFL and Lenddo are merging to #Include1Billion
How to Evaluate the Utility and Reliability of a Scoring Model
Big Data in Credit Scoring: Potential, Limitations and Challenges of Advanced Techniques
How EFL drives financial inclusion
Webinar on MicroBank’s pilot on psychometric scoring with EFL
Mastcard Foundation Webinar: Using Psychometrics for smallholder credit scoring
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
SNP Finance Releases Two Go Digital Services
SNP Finance Launches Go Digital Service Through MyColumbia Application
Future of Fintech Awards shortlist 2017
MICROCAPITAL BRIEF: Alternative Credit Scorers Lenddo, Entrepreneurial Finance Lab (EFL) Merge
Lenddo And Entrepreneurial Finance Lab (EFL), Leaders In Credit Decisioning For Emerging Markets
Lenddo and EFL Team Up to Lead Financial Inclusion Revolution
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