NEW DELHI – In a major step toward financial inclusion, Blackcoffer has partnered with a prominent Non-Banking Financial Company (NBFC) to roll out a revolutionary Alternative Credit Scoring Model specifically designed for rural and "thin-file" borrowers.

Recognizing that traditional credit scores often exclude rural populations, Blackcoffer’s model analyzes non-traditional data points—including utility bill payments, mobile recharge patterns, and agricultural transactional data. This AI-driven approach allows the NBFC to accurately assess the creditworthiness of first-time borrowers, effectively expanding their addressable market into semi-urban and rural heartlands.

The initiative is expected to facilitate formal credit access for thousands of micro-entrepreneurs and farmers, supporting the national mission of inclusive economic growth.