REACH is credit scoring and financial literacy for frontier markets. Not only do we help individuals master their personal finances and access credit responsibly, we have built a universal credit scoring algorithm to enable any lender or retailer determine credit capacity and credit worthiness for anyone with a transaction history - bank account or mobile money. We see a world where responsible credit is a transformative force, enabling people and businesses to achieve their fullest potential. As we unlock credit ethically, those we serve can expand their reach to live better, more hopeful and confident lives.