Founded in 2010, Cignifi Inc. pioneered the use of non-traditional data analytics to assess creditworthiness for unbanked and underbanked consumers in emerging markets. By partnering with mobile network operators, Cignifi analyzes anonymized mobile phone usage data (such as top-ups, voice calls, and data usage) to generate risk, credit, and marketing scores. This enables financial institutions to extend credit and other financial services to individuals without a formal credit history. In November 2016, Cignifi was acquired by FICO, the global analytics software company, to integrate its innovative mobile data analytics into FICO's credit scoring solutions.

Founded in

Brazil