Agri Fi

This article breaks down the questions that come up when lenders start taking productive credit more seriously.

The question lenders now ask is simple: does Android still allow loan apps to scrape SMS from users’ phones for credit scoring?

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.