From BigGo Finance · BigGo Finance · · 1m
SMS Data Boosts Credit Prediction Accuracy
Affinit's AI credit system improves accuracy by 33% using SMS data.
In brief
Affinit's AI credit system improves accuracy by 33% using SMS data. Affinit's research shows SMS data boosts credit prediction accuracy by 33% compared to traditional methods. Originally reported by BigGo Finance.
Research Findings
AI fintech company Affinit found that applying unstructured alternative data such as SMS messages to a machine learning-based Alternative Credit Scoring System improved credit prediction accuracy by approximately 33% compared to traditional methods.
FMA Presentation
The study was accepted for presentation at the Financial Management Association's 2026 FMA Annual Meeting.
Distributional Effects
The research identified distributional effects arising from differences in information availability across borrower segments.
Financial Inclusion
The system demonstrated effectiveness in expanding financial access for borrowers with limited credit history.
CEO Statement
Lee Cheol-won, CEO of Affinit, said the research shows their alternative data accumulated over 10 years in India gains global recognition.
Future Plans
Affinit plans to accelerate expansion into Southeast Asian markets and develop its AI finance platform.
What to remember
Affinit's research shows SMS data boosts credit prediction accuracy by 33% compared to traditional methods.
