Strengthening the Public Credit Registry
A scoring engine that upgrades the national Public Credit Registry beyond traditional market standards — bringing thin-file citizens and MSMEs into the formal financial ecosystem through alternative data integration.
For regulators that manage the national Public Credit Registry, traditional scoring methodologies create a structural gap: citizens and Micro, Small, and Medium Enterprises (MSMEs) with limited credit histories — so-called "thin-file" profiles — are systematically excluded from standard scoring metrics. This exclusion limits their access to formal credit, constraining economic participation and financial inclusion.
Solution Overview
Caltec's scoring engine offers a significant upgrade over traditional market standards for the Public Credit Registry. Tailored specifically for credit newbies — individuals and enterprises entering the formal financial system for the first time — the engine can incorporate alternative data sources such as phone and electric utility data to produce meaningful risk assessments for populations that legacy scoring systems cannot evaluate.
The availability of alternative data depends on the regulator's access to these information sources. Where regulators can provide or facilitate access to utility and telecommunications data, the scoring engine integrates this information to dramatically expand credit coverage.
Scoring the Invisible
Our algorithms are engineered to score thin-file citizens and Micro, Small, and Medium Enterprises that are often excluded by standard metrics. The engine is tailored for credit newbies and can incorporate alternative data sources — such as phone and electric utility records — to build predictive risk profiles where traditional credit histories do not exist.
Risk assessment capability for populations with limited or no traditional credit history
Coverage of MSMEs that form the backbone of emerging economies but lack formal credit profiles
Integration of alternative data sources (phone records, electric utility data) where the regulator can provide access
A scoring model purpose-built for credit newbies, not a one-size-fits-all adaptation
Democratizing Access
By upgrading the registry's analytical capabilities, the Superintendency provides the financial ecosystem with a more inclusive benchmark, encouraging safe lending to underserved sectors. Financial inclusion expands when regulators can tap into alternative data sources to assess creditworthiness beyond traditional metrics.
An upgraded public benchmark that financial institutions can use for lending decisions to underserved populations
Financial inclusion driven by alternative data integration — scoring populations that were previously invisible to the formal credit system
Encouragement of safe, responsible lending expansion into sectors currently underserved by formal credit
A regulator-owned scoring infrastructure that reduces dependency on private-sector scoring providers
Transform the Public Credit Registry from a passive data repository into an active analytical tool that drives financial inclusion — scoring credit newbies through alternative data sources and keeping the scoring infrastructure under sovereign regulatory control.