Why should risk be measured against financial history alone? By combining untapped demographic, financial, geographic, and social network information from mobile phone records and other objective sources, the company is predicting risk in novel ways for those who don’t have a bank account or credit score.

First Access represents a genus of social enterprise that’s concerned less with tweaking a poorly functioning system and more with why the system is functioning poorly to begin with. They question the assumptions on which the current systems rest.