EDRAF TECH

对南亚及其他地区掠夺性经济、高利贷和数字贷款的研究表明，很大一部分人口仍然没有足够的银行服务，无法获得负担得起的金融服务。被排除在外的原因往往是无法证明有财务偿付能力，缺乏正式的信用记录，没有抵押品，或居住在因腐败和犯罪活动而被金融机构避开的“禁区”。因此，在这种情况下，个人经常成为肆无忌惮的放债人、欺诈性应用程序和勒索性金融技术的牺牲品。为了应对这一挑战，我们开发了一种创新的解决方案，其理念是评估金融风险不仅需要考虑金融数据，还需要考虑社会文化数据。我们的方法和算法借鉴了广泛的人种学知识，为人种学驱动的风险分析框架（EDRAF）提供了基础。该框架旨在管理社会贷款部门内外的风险。EDRAF包括一个移动的应用程序，旨在收集和映射家庭内部和更广泛的家庭网络的债务和信用历史。此外，它还收集人类学数据，以评估贷款的经济和社会影响。这一方法有助于建立公平的信用评级，并能够对贷款的未来社会和经济影响进行基准测试。此外，它还确定了冲突、腐败或参与犯罪网络等可能破坏未来社会贷款举措成功的潜在因素。通过这样做，我们的目标是促进道德的财务做法。我们的下一步是与UCLB Business合作进行市场验证，并将产品扩展到全球南方和全球北方的各个市场。

Research on predatory economies, loan shark practices, and digital lending in South Asia and beyond highlights a significant portion of the population remaining underbanked and excluded from affordable financial services. This exclusion is often due to the inability to demonstrate financial solvency, lack of formal credit histories, absence of collateral, or residence in 'no-go areas' avoided by financial institutions due to corruption and criminal activities. Consequently, individuals in these circumstances frequently fall prey to unscrupulous money lenders, fraudulent apps, and extortionist Fin-techs. In response to this challenge, we have developed an innovative solution premised on the idea that assessing financial risks requires consideration not only of financial data but also socio-cultural data. Our methodology and algorithm draw from extensive ethnographic knowledge, providing a foundation for the Ethnographic Driven Risk Analysis Framework (EDRAF). This framework aims to manage risks within the social lending sector and beyond. EDRAF includes a mobile app designed to collect and map debt and credit histories within households and across wider family networks. Additionally, it gathers anthropological data to evaluate the economic and social impact of loans. This approach facilitates the creation of fair credit ratings and enables the benchmarking of a loan's future social and economic implications. Furthermore, it identifies potential factors such as conflict, corruption, or involvement in criminal networks that may undermine the success of future social lending initiatives. By doing so, we aim to contribute promoting ethical financial practices. Our next step involves market validation in collaboration with UCLB Business and expanding he product into various markets across both the Global South and Global North.