Juvo

Juvo is a financial identity company that builds credit scores from mobile phone data. It works with mobile network operators to give people without formal credit records access to financial services. Its scores support airtime lending and cash loan products, mainly in Brazil.

What Juvo offers

• YEScore credit scoring: a predictive score built from mobile phone usage data.
• Airtime lending: small credit for prepaid mobile users, decided on Juvo's scores.
• Cash loans: loans secured against the phone, offered through network partners.
• Identity scoring technology: scoring that uses data science and machine learning to build identity-based relationships with prepaid users.

Clients

Mobile network operators and the prepaid mobile users they serve, including people with no formal credit history.

Key facts

• Team: 55 employees
• Countries: transactions in 25 countries across four continents
• Platforms: mobile network operator partners