About ~2B adults in the world are with no credit history, i.e., they practically cannot get any financial or insurance services from formal channels. The main alternative for the unbanked people to promote their lives, acquire education, health services, etc. is to borrow loans from non-formal channels. Despite more than 85% of current loans in emerging countries being received from such channels, only 10% of loan requests are approved. Other than that, 15-20% of the approved loans turn out to be defaults/fraudsters (i.e., non-paying loaners). Facetrom has developed a pioneering technology that predicts the financial risk of a potential customer requesting a loan. The company’s vision is to help underbanked people achieve loans and insurance policies, while assisting the financial and insurance institutes to largely decrease the percentage of defaults/frauds. Facetrom entirely disregards all discriminating factors, such as race, gender, age, demography, hair color and more. Images analyzed by Facetrom are completely anonymous, and data privacy of the subjects is strictly maintained.