White Paper: The Case For a Boosted Score

When we set out to create the Boosted Score, our goal was simple:
To make data work for people—especially those left out of traditional credit systems—and unlock fairer financial inclusion.

We wanted to recognise and reward financial responsibility in:

• New-to-bank individuals just starting their journeys

• Workers navigating informal incomes

• MSMEs and shadow-economy businesses driving local economies

• Women managing complex household and business finances

• Everyday people whose financial behaviour barely shows up in a traditional credit report
  
  

So we built a score that blends bureau data with alternative signals to create a fuller, fairer view of financial behaviour.

In initial testing against 3 leading CRB scores, Boosted Score consistently:

✔ Outperformed on accuracy for MSMEs and new-to-bank borrowers
✔ Displayed no gender bias
✔ Helped lenders make decisions with greater fairness and confidence


Trained on 10M+ records from users across all 47 counties in Kenya,
the Boosted Score reflects the real financial lives that often go unseen, and brings them into the fold.

Our white paper dives into:

• The gaps we saw and why Boosted Score was needed
  
  

• The data behind it and why it matters
  
  

• How it performs vs. existing scores

Read the full story below

And in case you missed it, this is the result of our powerful partnership with Creditinfo Kenya.
See announcement here

If you're a data scientist, lender, financial institution, or policymaker working toward real financial inclusion—where credit works for everyone, not just the visible few—this paper is for you.