The Future of Credit is Transaction Data – And the Shift Has Already Begun
For decades, credit in South Africa has been built almost entirely on ๐ฏ๐๐ฟ๐ฒ๐ฎ๐ ๐ฑ๐ฎ๐๐ฎ. And for decades, that meant millions of good, capable consumers were misunderstood, mispriced, or excluded โ not because they were risky, but because lenders could only see a thin sliver of their financial reality. But ๐๐ต๐ฒ ๐ถ๐ป๐ฑ๐๐๐๐ฟ๐ ๐ถ๐ ๐๐ต๐ถ๐ณ๐๐ถ๐ป๐ด. And itโs […]