Provider of product innovation, risk model / scorecard development using conventional and alternative data, risk management, software, technical and business development consulting services focused primarily on mobile delivery of financial services and financial inclusion in developing and emerging markets. Clients and projects include: * Predictive models and scorecard development for Arifu, Financial Clearing Bureau (FCB), Hurudza, Goldrock Capital Mkwanja, Metropol CRB * Design and development of aGrnomiX system * Consultants for Metropol Corporation and Financial Clearing Bureau