In 2015, there were 26 million credit invisible consumers in the US, according to the report by Consumer Financial Protection Bureau (CFPB). Although those people are credit-invisible for the traditional sector, their everyday activity and alternative records represent a meaningful and vast source of precise hallmarks of their level of sustainability, resilience and credibility.Smart Data, hence, as opposed to Big Data, is bridging the gap for the un- and underbanked, plugging them into the formal sector based on sophisticated use of advanced technology and available records from alternative sources (social, web, etc.).

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