ALTERNATE DATA CREDIT WORTHINESS FIs can enhance credit scoring for SMEs by integrating our alternative data pipeline into their existing credit scoring models or by utilizing our AI-based credit scoring engine. Our data extraction pipelines gather data passively and continuously with minimal user involvement. Our automated processing of multi-dimensional data ensures the availability of data on demand. Our solution is specifically designed for WSMEs in Pakistan, featuring data clusters such as psychometric data to assess the character traits of borrowers through validated psychological measures, and web and social media data to augment historical information related to a business.