Financial Inclusion
Global Grand Prize Winner






Three billion people lack the credit history lenders require to make a loan. This creates a massive missed opportunity for lenders and widespread financial exclusion. With EFL’s digital credit assessment, lenders can quickly select the best people to say yes to, where other lenders are forced to say no. EFL has 10 years of experience applying psychometrics and behavioral science to loan repayment. That means we know how personality drives credit risk, across cultures and segments. And we apply this knowledge to effectively score anyone, anywhere, at any time. Over 35 lenders across 15 countries trust EFL to safely grow their lending portfolios. With more than $1.5 billion lent across hundreds of thousands of loans, EFL will empower lenders to grow without the risk.