Overseas lenders can develop credit scores based on mobile and web data
FICO uses LenddoEFL’s credit scoring model overseas, which includes email, mobile and web data to assess of thin-credit file consumers in overseas markets. This is the technology behind FICO’s recently launched X Data Score in India, which generates a score based on a consumer’s mobile and digital footprint, including email data. FICO also has a traditional score in India as well.