We currently reject credit applicants because we are unable to provide a risk profile based on data collected. These applicants are usually underserved or unbanked in rural or sub-urban areas of Mexico. We want to develop a credit score based on data collected at the point of application to include these rejected applicants into the formal financial ecosystem. Attached, we have uploaded the data we collect and repayment behavior based on past transactions. The dependent variable here is whether a person will pay or not.