We are a bunch of out of the box thinkers who decided that the time has come to change the way credit scoring works. Our technology uses predictive big data analytics and predicts credit score without relying on any financial history or personal data. VSKOR is calculated purely based on real life consumer insights/profiles derived from mobile users' footprint within the mobile devices. Our scores are inclusive and available for the entire population regardless of their financial background whether they are banked, unbanked, underbanked, students, refugees, immigrants, or retirees etc. WHY are we different? Because Unlike the conventional scoring technologies, VSKOR - does not require any previous financial history, footprint or data, - can be calculated in real time for quick decisions, - does not depend on bill payment history, - better predicts consumer credit quality, - is designed for digital economy - is suitable for alternative financing and micro-lending, - enables larger part of the population to access credit.