Does the number of text messages you send, or the time of day you make your first phone call, say something important about how credit-worthy you are?  Cignifi believes it does.

Cignifi is revolutionizing the way financial service companies meet the needs of an estimated 2.7 billion people worldwide with a mobile phone but no access to formal financial services. Cignifi has the first proven credit scoring solution capable of closing this gap.

The company’s patent pending behavior-based score engine delivers a suite of credit risk and response scores for anyone with a mobile phone. Cignifi’s scores provide the underwriting and marketing efficiency needed to profitably serve and reach the world’s growing middle class. A team of world-class behavioral mathematicians in Oxford, England developed the company’s technology.

To read the full story log on