Browsing by Author "Melly, Viola Cheptanui"

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    A credit scoring system for mobile money users: A case study of Berekuso, Ghana
    (2020) Melly, Viola Cheptanui
    An estimated five billion people in the world own a mobile phone [11]. Among these people, an estimated four hundred and fifty-six million people are from Africa, with eight million people being from Ghana [11]. The high number of mobile phone owners shows the importance attached to the use of mobile phones. The curiosity and the availability of resources to develop new applications have led developers to come up with new and innovative ways that go beyond the primary intention for which the phone was created: communicating with one another. One such innovation is the development of mobile money services [17]. This research seeks to find out how effective a credit scoring system would be in addressing the non-payment of loans by the customers of service providers. It proposes an online platform that provides users with financially related information and a credit scoring system that can help both lenders and borrowers check the creditworthiness of an individual before they get access to loans.