Credit Access & Financial Inclusion
Analyzing financial inclusion gaps in Uzbekistan, simulating policy interventions, and demonstrating how alternative credit scoring can expand access for underserved borrowers.
Financial Inclusion Overview
Uzbekistan vs Central Asia vs World averages
Bank Account Ownership
Credit Access
Mobile Money
Women's Financial Access
Data: World Bank Global Findex 2021
Intervention Simulator
Toggle policies and adjust parameters to project impact on account ownership
Bank Account Ownership Projection (2024-2032)
Analysis
Account Ownership
49%
No change
vs 49% baseline
Credit Access
23%
No change
vs 23% baseline
Mobile Money
30%
No change
vs 30% baseline
Women's Access
40%
No change
vs 40% baseline
Credit Scoring Demo
See how alternative data transforms credit decisions for underserved borrowers
Quick Profiles
Traditional Score
Enhanced Score
Alt DataHow Alternative Data Helps
The enhanced model adds +200 points by incorporating alternative data sources: utility payment consistency, mobile top-up regularity, and community reputation.
This borrower would be denied under traditional scoring but review with the enhanced model — exactly the kind of creditworthy borrower invisible to conventional systems.
About This Model
Gender Gap Analysis
Financial access disparities between men and women in Uzbekistan
Account Access
Women are 17 percentage points less likely to own a bank account, limiting economic participation.
Formal Loan Access
Only 7% of women have access to formal loans vs 15% of men, restricting entrepreneurship.
Digital Payments
A 13pp gap in digital payment usage leaves women further behind in the cashless transition.