# SMS Data Boosts Credit Prediction Accuracy

> Affinit's AI credit system improves accuracy by 33% using SMS data.
- Title: SMS Data Boosts Credit Prediction Accuracy · BigGo Finance
- Summary: 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…
- Keywords: affinit, northwestern university, fma conference, alternative credit scoring system, sms data, credit prediction, finance, markets, SMS, Data, Boosts, Credit
- Source: BigGo Finance — https://finance.biggo.com/news/a3738efc-38c5-4757-88db-79bb99fc1608
- Author: BigGo Finance
- Published: 2026-10-15T21:35:14+00:00
- Read time: 1 min
- Topics: affinit, northwestern university, fma conference, alternative credit scoring system, sms data, credit prediction, finance, markets
## 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.
## Key takeaway

Affinit's research shows SMS data boosts credit prediction accuracy by 33% compared to traditional methods.