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The traditional credit score is a relic of an era that didn’t understand how modern people actually move money. If you’ve ever wondered how your utility bills, airtime purchases, or even your social media footprint could help you get a loan, you’re looking at alternative credit scoring. We’re answering the real questions about how this data is collected, whether it’s actually secure, and why it’s finally making “unbanked” a term of the past.

The structure of the global economy is shifting. More people are working short-term gig, freelancing, and relying on digital platforms to earn a living.

This article explores the providers working to modernize lending in Cuba. From credit scoring systems adapted to data limitations to KYC and payment platforms designed for local challenges.