Instant risk scores for emerging markets

First Access combines financial and mobile data to reliably predict credit risk for borrowers in informal markets. Our scores dramatically reduce costs for lending institutions.

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Instant risk scoring can increase profit margins 5x to 10x for:

- Retail commercial banks

- Microfinance institutions

- Insurance companies

- Agricultural input suppliers

- Distributed energy suppliers

- Business payment platforms

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First Access risk scoring is a radical evolution in access to finance for the next 2.5 billion people, patent-pending in 147 countries.

Accurate

Can increase profit margins 5x to 10x. Empirical evidence, not theoretical scorecards.

Accessible

Anywhere in the world, anytime, on any phone, instantly.

Actionable

Concrete, practical conclusions you can use right now: "Recommended loan: $530."

Affordable

Scores pay for themselves 8x to 15x over in reduced costs and losses. No set up fees, no new equipment.


Who We Are

First Access was founded by microfinance veterans who wanted to bring more reliable information to financial service providers in informal markets, so that more capital can be deployed at a lower cost. We've built a world-class team to deliver analytics in a user-friendly app for low-tech environments.


Mobile data are a rich source of information about risk

First Access combines demographic, geographic, financial and social data from mobile phones and other sources in real time. Our retail credit risk models have the highest reported accuracy of any in the developing world.

demographic

geographic

financial

social


Consumer Protection

Understanding full disclosure and informed consent is more important than ever for big data businesses in emerging markets. We have conducted groundbreaking research in partnership with the World Bank’s Consultative Group to Assist the Poor (CGAP) on data privacy and consumer protection in the context of low literacy, and we've designed our service around these insights. First Access gets real-time permission in the local language from mobile subscribers before accessing mobile records, does not share information between financial institutions, and engages closely with communications and financial regulators.


Smart Data

First Access turns big data into smart data, separating the signal from the noise and delivering simple, reliable information that businesses can act on right now, like a recommended loan size. Our Harvard-trained analytics team will build and maintain cutting-edge models for your institution. Their algorithms have already been validated for business, agriculture, housing and energy finance.


Find out how scoring can transform your business today

Sign up for a free trial, upload anonymous portfolio information through our secure system, and our analytics team will build a unique scoring model customized to your institution's products and services, risk tolerance, cost structure, and goals. Then, we'll score your customers from last year, line up our scores against their current performance, and walk you through the impact on your portfolio going forward. Pay only when your institution begins scoring.

 




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