{"id":25266,"date":"2023-03-02T14:56:02","date_gmt":"2023-03-02T14:56:02","guid":{"rendered":"https:\/\/www.afis.africa\/?p=25266"},"modified":"2025-10-04T17:18:43","modified_gmt":"2025-10-04T17:18:43","slug":"alternative-credit-scoring-in-africa-a-new-hope-for-financial-inclusion","status":"publish","type":"post","link":"https:\/\/www.afis.africa\/en\/alternative-credit-scoring-in-africa-a-new-hope-for-financial-inclusion\/","title":{"rendered":"Alternative credit scoring in Africa: A new hope for financial inclusion?"},"content":{"rendered":"\t\t
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Fintechs, commercial banks and insurers are increasingly deploying AI and machine learning to analyse new-age mobile and web data to expand credit to individuals and small businesses lacking financial footprints. But concerns remain about the reliability of the metrics used and customer privacy, particularly as data protection laws are in their infancy in most countries. A panel of fintechs, banks and regulators assess whether personality tests, mobile wallet behaviors and social media connections can truly replace credit bureau scores where limited credit histories exist.\u00a0<\/p>

Key points<\/p>

Reliability: Which novel metrics based on mobile and web behaviours offer the most promise to determine creditworthiness and default risk?
How should Africa\u2019s regulators adapt to protect data privacy and confidentiality?
What steps should traditional financial institutions take to incorporate alternative credit scoring?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Ramah NYANG<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Journalist, CGTN Africa<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Moderator<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Dennis Musinguzi<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Acting Chief Product Officer\nMTN Mobile Money Uganda<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Speaker<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Riadh Naouar<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Manager FIG Advisory Services, Africa\nIFC<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Speaker<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Eunice Ruguru Gatama<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Director Africa\nYabx<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Speaker<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Dr Jameelah Sharrieff-Ayedun<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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CEO\nCreditRegistry<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Speaker<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Omar Balafrej<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Director of the Business Development Unit\nGroup Bank of Africa<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Speaker<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Partners<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Register Google agenda Fintechs, commercial banks and insurers are increasingly deploying AI and machine learning to analyse new-age mobile and web data to expand credit to individuals and small businesses lacking financial footprints. But concerns remain about the reliability of the metrics used and customer privacy, particularly as data protection laws are in their infancy […]<\/p>\n","protected":false},"author":6,"featured_media":25267,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[93,127],"tags":[],"class_list":["post-25266","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-financial-services-fintech","category-webinaire"],"acf":[],"yoast_head":"\nAlternative credit scoring in Africa: A new hope for financial inclusion? - The African Financial Summit Platform<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.afis.africa\/en\/alternative-credit-scoring-in-africa-a-new-hope-for-financial-inclusion\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alternative credit scoring in Africa: A new hope for financial inclusion? - The African Financial Summit Platform\" \/>\n<meta property=\"og:description\" content=\"Register Google agenda Fintechs, commercial banks and insurers are increasingly deploying AI and machine learning to analyse new-age mobile and web data to expand credit to individuals and small businesses lacking financial footprints. But concerns remain about the reliability of the metrics used and customer privacy, particularly as data protection laws are in their infancy […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.afis.africa\/en\/alternative-credit-scoring-in-africa-a-new-hope-for-financial-inclusion\/\" \/>\n<meta property=\"og:site_name\" content=\"The African Financial Summit Platform\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-02T14:56:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-04T17:18:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.afis.africa\/wp-content\/uploads\/2025\/09\/V4-Credit-scoring-alternatif-en-Afrique-un-nouvel-espoir-pour-linclusion-financiere-.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sophia EKRA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sophia EKRA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.afis.africa\\\/en\\\/alternative-credit-scoring-in-africa-a-new-hope-for-financial-inclusion\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/en\\\/alternative-credit-scoring-in-africa-a-new-hope-for-financial-inclusion\\\/\"},\"author\":{\"name\":\"Sophia EKRA\",\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/#\\\/schema\\\/person\\\/9320b247c460ed45815f787e2ca4b1ef\"},\"headline\":\"Alternative credit scoring in Africa: A new hope for financial inclusion?\",\"datePublished\":\"2023-03-02T14:56:02+00:00\",\"dateModified\":\"2025-10-04T17:18:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/en\\\/alternative-credit-scoring-in-africa-a-new-hope-for-financial-inclusion\\\/\"},\"wordCount\":208,\"publisher\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.afis.africa\\\/en\\\/alternative-credit-scoring-in-africa-a-new-hope-for-financial-inclusion\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.afis.africa\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/V4-Credit-scoring-alternatif-en-Afrique-un-nouvel-espoir-pour-linclusion-financiere-.jpg\",\"articleSection\":[\"Digital financial services & fintech\",\"Webinaire\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.afis.africa\\\/en\\\/alternative-credit-scoring-in-africa-a-new-hope-for-financial-inclusion\\\/\",\"url\":\"https:\\\/\\\/www.afis.africa\\\/en\\\/alternative-credit-scoring-in-africa-a-new-hope-for-financial-inclusion\\\/\",\"name\":\"Alternative credit scoring in Africa: A new hope for financial inclusion? 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