“Even in the informal economy, people transact and pay bills. This data is captured, but is unused in consumer and small and medium enterprise (SMME) credit markets.”
PERC and their partners identify promising data assets. This includes wireless phone data, such as transactions, top offs, bill payments, and call log information. It also includes energy utility payments, trade credit, crop revenues, rental payments and other behavioral information. These are then identified, digitized, and networked.