a gamified approach to simplify the credit scoring system in a ROSCA app.

a decrease in exposure by 56M EGP, a 12% reduction in default rates, and a 10% improvement in user retention rates were achieved by transitioning to behavior-based assessments with ML model and introducing a gamified Credit Smart Points system.

these innovations addressed the challenge of unclear credit assessments and costly, unscalable manual processes, enhancing user understanding and engagement while streamlining operations.