• Credit Application Assessment for thin-file Customers: Financial institutions can use Customer Insights as an additional risk signal when assessing customers with limited or no traditional credit history. The returned scoring value can complement the institution’s own credit risk model.
• Microloan Risk Evaluation: Credit providers can use the API during microloan application flows to support faster and more informed risk assessment, especially in markets where many customers have limited access to formal financial services.
• Credit Card Onboarding for underserved Customers: Banks or card issuers can use the operator-derived scoring result as one input when evaluating credit card applications from customers without a mature banking or credit profile.
• Risk-based Onboarding of new Customers: Companies offering financial or credit-related services can use the scoring result to adapt onboarding flows, for example by approving low-risk cases faster, requesting additional checks, routing to manual review or declining high-risk applications.
• Personalized financial Product Eligibility: Financial service providers can use the scoring result, together with their own customer data and policies, to determine whether a customer may be eligible for selected financial products or tailored offers.

For more information go to GSMA Open Gateway Use Case Library.

• Financial Inclusion: Supports assessment of customers with limited or no traditional banking history by providing an additional operator-derived scoring signal.
• Improved Risk Assessment: Helps financial institutions and credit providers complement their own models with a telco-based risk index.
• Faster Onboarding and Credit Evaluation: Enables more automated pre-assessment flows for eligible financial products, reducing manual review where appropriate.
• Data Minimization: Provides a derived scoring result instead of exposing raw telecom behavioral data.
• Operational Efficiency: Helps API consumers reduce friction, manual checks and operational costs in selected onboarding and credit assessment journeys.
• Standardized Developer Integration: Provides a CAMARA-based interface that can be integrated into existing credit risk, onboarding and decisioning systems.