Reinventing Credit Scoring

Matteo Chiampo

CGAP Consultant, SUSS Fellow, Travelkhana

Matteo is passionate about ideating, starting and growing ventures that solve complex operational problems at the interface between the online and offline world. In his role as consultant for CGAP, an office of the World Bank with the mission of increasing financial access to the poor, Matteo has developed a deep expertise in the application of technology and innovative business models, and spearhead several projects in Bangladesh, India and Myanmar in the area of digital financial services.

"In my experience bringing financial services to the unbanked, I found that missing, incomplete, and untrustworthy information is potentially an obstacle for micro and small enterprises to access capital. By leveraging blockchain technology to unlock credit history data, Credible can serve as a game-changer in helping to reduce the massive SME funding gap in developing economies."

Ville Öhman

Cryptocurrency Fund Manager, Blockchain Technologies

CoVille is the Co-founder and Fund Manager of the Cryptocurrency Balanced Large Cap Fund SP. CBLC is the first Fund globally to launch with top-tier service providers for audit, banking, custody, administration, tax advice, cybersecurity, insurance and legal compliance.

"I like ICO projects on existing businesses rather than pure promiseware. SmartPesa has presence in large Southeast Asian markets, which positions it well for future growth. Its existing POS solutions, coupled with the new Credible, also add new revenue streams for the company"

Fabio Nehme

Founder and CEO, Nehme Group

Fabio is a C-level executive with nearly 20 years of international experience, working in some of the leading global financing, international development and commodities organisations, such as Alcoa, World Bank Group and EDF Trading running global social impact programmes and building businesses.

Fabio has been directly involving in investing and trading large-scale capital, as well as introducing new technologies in developed and developing countries, in particular in Africa, Latin America and Southeast Asia, Europe and United States. He regularly speaks and writes publicly on the application of blockchain and digital tokens to sustainable development and had the distinction of testifying on international development-related topics at the invitation of the California Congress.

"Credible’s innovative, ambitious application of blockchain and digital assets to expand financial inclusion is key in creating a new range of possibilities for business and customers while meeting the United Nation’s Sustainable Development Goals. For that, it should be supported by foundations, private funds, and the impact investment community-at-large."

Ali Hussein Kassim

C-Level Executive, Financial Inclusion advocate, FinTech

Hussein is a C-level executive engaged in technology, passionate about learning, financial inclusion and FinTech. Focused on the opportunities in Africa, he holds board level appointments in both For-Profit and Not-For-Profit organisations and mentors young techpreneurs through his association with Demo Africa, A Pan-african Tech Startup Platform.

"In developing markets, credit information is often used as a negative confirmation bias to detract from an open, transparent and progressive financial services marketplace. Credible provides a transparent, distributed and auditable platform for businesses, empowering them to contribute valid data while increasing the trustworthiness of the data verification and generation process."

Roy Lai

CEO and Co-Founder, InfoCorp Technologies Pte Ltd

Roy has over 20 years experience in investment banking, foreign exchange trading and inter-bank payments. An innovator in financial technologies, he was instrumental in the delivery of FAST, a real-time payment network across 14 Singapore banks.

Roy has a strong background in creating cryptocurrencies trading systems as well as providing consultations in the use of blockchain and smart contract technologies. He established InfoCorp Technologies to provide infrastructure to accelerate financial inclusion for the unbanked and solve end-to-end supply chain logistics problems through the use of blockchain technology. Sentinel Chain, an InfoCorp project, is a blockchain-based international marketplace for cross-border financial services and the world’s first platform to accept the use of livestock as collateral. Roy is also Senior Research Fellow at the Singapore University of Social Sciences, where he teaches blockchain programming and smart contracts.

"I am delighted to be part of SmartPesa’s experienced team to advance a new era of financial inclusion for emerging economies. Backed by advanced blockchain technologies, the launch of Credible could become a game-changer to the broader business markets while empowering the lives of many in local communities".

Dr Rex Yeap

Partner of Invention Capital, Inventor of IP Blockchain

Dr Yeap has three decades of experience in the Information Technology value chain that spans industry, government and academia. He is the co-inventor of the patented IP blockchain and has over 20 Information Technology related patents and thousands of inventions over the past three decades, see http://ye.sg/patents

Dr Yeap is also the head of Education in the Singapore Cryptocurrency and blockchain Industry Association. Over the past decades, his angel investment portfolio includes early-stage technology companies mostly in the Information Technology space and increasingly FinTech area.

"With the use of cryptography and blockchain technology for business credit data, Credible can unlock the value of merchant data while enhancing data security and helping businesses avoid possible data breaches. I look forward to working with SmartPesa to continue advancing credible business solutions for the community."