Underwriting across 15 countries, in under an hour.
An emerging-markets lender had borrower signal scattered across mobile-money APIs, bureau pulls in fifteen national formats, and field-agent notes in three languages. Assembling one profile took days. EMBD unified the data into a canonical borrower profile an AI credit agent can reason across — so decisions that took days now happen in under an hour, opening segments that never penciled out before.
“The behavioral data always predicted repayment better than any bureau score. We just couldn’t use it. Now an agent reads across all of it in seconds.”
Head of credit · emerging-markets lender