About Us

We believe everyone deserves access to financial services.

We envision a world where everyone has the necessary tools to build a brighter and more secure future.

Who We Are

ScoreLink is a social enterprise that leverages innovative AI solutions to help reshape the microfinance industry. Through predictive credit scoring systems trained on mobile phone data, we enable microfinance institutions to expand their reach and impact more people. Our goal is to open doors for those in rural communities who’ve been excluded from traditional finance, giving them access to the resources they need to continue supporting their families.

Our Vision

A world with universal access to financing.

Our Mission

To reduce the barriers preventing microfinance from reaching the rural poor.

OUR STORY

It all began from a book named Banker to the Poor, which David and Richard—two high school students from Virginia—read one summer. Written by Muhammad Yunus, an economics professor and Nobel Peace Prize laureate, Banker to the Poor told an inspiring story of how modern microfinance emerged in the 1970s from the small village of Jobra in Bangladesh, one of the world’s poorest countries at the time.

After exploring microfinance further, David and Richard discovered that despite the industry’s remarkable progress, financial exclusion remains a persistent challenge in many developing countries, leaving vast segments of low-income populations unbanked. They found that high operating costs often prevent microfinance institutions from reaching rural communities. It was a problem they set out to solve.

Believing that empowerment through entrepreneurship can be a route out of poverty, the two launched ScoreLink—a FinTech startup leveraging AI and mobile phone technology to tackle key barriers faced by microfinance institutions.

Today, ScoreLink is on a mission to transform microfinance and make universal access to financing a reality, starting in Bangladesh—the very country where microfinance first originated.