Lenders in emerging markets today need more than credit scores. They need real-time, borrower-level insights. Here’s how LenderLink stacks up against bureaus and telco data.
Feature-by-Feature Comparison: LenderLink vs Other Credit Data Sources
| Feature / Data Source | LenderLink | Public Credit Bureau | Private Credit Bureau | Telco Data Providers |
|---|---|---|---|---|
| Data Freshness | Real-time or daily submissions | Batch-based updates could take months | Monthly or quarterly updates | Variable |
| Borrower Coverage | Digital borrowers, informal market | Formal sector only | Formal + semi-formal borrowers | Telco subscribers only |
| Behavioral Loan Data | Yes — repayment behavior, delinquency, open balances | Limited | Varies by contributor | No |
| Alternative Data Signals | Yes — repayment history across platforms | No | Limited (depends on source) | Yes (location, usage, payments) |
| Fraud Detection Capability | High — cross-lender match, circular borrowing patterns | Low | Medium | Low |
| Contributed By | Digital lenders (regulated) | Banks, MFIs (mandated) | Banks, MFIs (optional) | Telcos |
| Access Method | API or secure CSV | Web portal / API | API (limited real-time access) | API or CSV |
| Use Case Fit | Credit scoring, fraud detection, underwriting | Credit check & compliance | Credit check & profiling | Supplemental insights |
| Target Lenders | Digital lenders, BNPL, alt-finance | Banks, cooperatives | Banks, fintechs, utilities | Fintechs, scorecard enablers |
| Regulatory Scope | Voluntary participation; DPA-compliant | BSP/CIC mandated | DPA-compliant | DPA-compliant |
Real-Time, Lender-Sourced Data
Unlike public and private credit bureaus, which often receive monthly or quarterly reports, LenderLink works in real-time. Data is submitted directly by participating digital lenders—updated daily—so you’re not relying on stale snapshots.
Stronger Coverage Where Bureaus Fall Short
Many borrowers—especially gig workers, first-time applicants, or those in the informal sector—simply don’t appear in bureau reports. LenderLink captures behavioral data on these borrowers based on their actual loan activity across digital platforms.
Designed also for Digital Lending
Most bureau systems were built for banks. LenderLink was also built for fintechs, BNPL, and digital-first lenders who need flexible APIs, faster feedback loops, and signals that reflect borrower behavior today—not six months ago. A digital lender cut defaults by 15% with LenderLink.
Better Fraud Signals
Because LenderLink aggregates borrower behavior across platforms, you can:
- Detect circular borrowing
- Flag borrowers with multiple simultaneous loans
- Avoid overexposure that could lead to defaults
Complements, Not Replaces
We’re not here to replace bureaus or telco data. We’re here to fill the blind spots they leave behind—and to help lenders say yes more confidently to borrowers who were once invisible.
