EFL first pioneered psychometric credit scoring through research at the Harvard Center for International Development. We now work with leading financial institutions across Africa, Asia, and Latin America. Through our partnerships we enable better and safer lending globally.

Our mission is to expand access to finance. Small businesses and consumers struggle particularly in emerging markets because of the lack of reliable traditional credit information. We enable financial institutions around the globe to evaluate these customers based on psychometric characteristics that reflect character, willingness, and ability to repay loans.

EFL is a for-profit company with a mission to create social impact. Working commercially enables us to spur economic growth on the greatest possible scale.