PERSONAL
BUSINESS
English
South Africa English
Botswana English
Kenya English
Malawi English
Namibia English
Rwanda English
Tanzania English
Uganda English
Zambia English
Zimbabwe English
Contact Us
PERSONAL
BUSINESS
Contact Us
| |
English
South Africa English
Botswana English
Kenya English
Malawi English
Namibia English
Rwanda English
Tanzania English
Uganda English
Zambia English
Zimbabwe English

Product

CreditVision Telco Data Score

Unlock lending opportunities with mobile behavioural insights

Get Access Today

PRODUCT OVERVIEW

Over 1.4 million credit-invisible South Africans open new credit accounts each year — yet many remain out of reach for traditional risk models.

CreditVision Telco Data Score helps lenders evaluate these consumers using alternative data from mobile behaviour. It delivers a validated risk score to support confident expansion into underserved and thin-file segments.

Key benefits

  • Assess creditworthiness beyond the bureau
    Analyse behaviours within call patterns, airtime usage, mobile wallet activity and device history
  • Score underserved and unbanked consumers
    Unlock lending opportunities for no-file and thin-file segments
  • Improve decisioning accuracy
    Achieve >30% Gini uplift when used with CreditVision® Link
  • Reduce false declines
    Better distinguish low-risk profiles among limited-data consumers
  • Accelerate lending decisions
    Access real-time scoring via API to support mobile-first onboarding
  • Support ESG and inclusion goals
    Responsibly expand credit while meeting social impact mandates

How it works

CreditVision Telco Data Score is built on anonymised, permissioned mobile behavioural data, sourced through TransUnion’s partnership with the country’s leading telcos.

This data is transformed into risk-relevant indicators through proprietary models and benchmarked against real repayment outcomes to produce a validated behavioural score.

Data usage is fully POPIA-compliant, with mandatory consent managed by the Telco and secure delivery via API.

The score can be deployed:

  • As a standalone risk measure
  • Via real-time API for integration into digital decisioning systems

DETAILED PRODUCT FEATURES

Behavioural scoring

Uses mobile usage indicators — such as airtime top-ups, device data, tenure and recharge patterns — to assess credit risk, without relying on call or SMS records

Thin-file scoring

Evaluates consumers with no bureau-visible credit history

Dynamic segmentation

Enhances scorecard accuracy by identifying low-risk profiles among underserved groups

API-ready delivery

Designed for digital channels and automated workflows

Customisable outputs

Calibrated to fit your lending strategies and policy thresholds

356% exposure growth

TransUnion® internal analysis shows low-risk, new-to-credit consumers demonstrated 356% portfolio growth over 18 months — revealing strong, long-term value despite higher early delinquency.

Contact Us

We need your consent.

TransUnion would like to send you original insight, commentary and research on data, software and analytics, early notifications of exclusive events and information about our products and services. If you would like to receive that information, please let us know using the following options

For our contact center, please call (0861) 482 482.
Alternatively, please contact your account manager directly for all other enquiries.

TransUnion is a global organization. As, part of our processing activities when your personal information is shared within TransUnion it may be transferred outside of South Africa as part of how we operate our business, which includes providing you with our products and services, conducting analytics or storage, analyzing our performance, meeting our legal obligations or conducting research and reporting.

Please read our Privacy Policy hosted in our Privacy Centre, which explains who we are, how we collect and use your personal information and how you can exercise your privacy rights.

We're sorry, your request failed. Please try again in a little while.