Branch International

Branch International is a mobile lending app designed to enhance financial inclusion for individuals in emerging markets by providing access to credit through an AI-driven approach. By analyzing alternative data from smartphone usage, such as call and text message history, Branch assesses creditworthiness and offers personalized loan products suitable for various needs, including emergencies, bill payments, and business expenses. The app facilitates a quick and convenient loan application process, making it accessible to those with limited credit history. However, potential borrowers should be aware of high-interest rates for those with lower credit scores, limited loan amounts, and possible privacy concerns related to the use of alternative data. Overall, Branch International aims to empower underserved populations by promoting financial access and inclusion.