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Introduction

In recent years, there has been a growing interest in developing alternative credit scoring models for the unbanked population. The unbanked are individuals who do not have access to traditional banking services, such as savings accounts, credit cards, or loans. This population often relies on cash transactions and informal sources of credit, making it difficult for them to build a credit history and access financial services.

Alternative credit scoring models aim to address this challenge by using non-traditional data sources, such as mobile phone usage, social media activity, and utility bill payments, to assess the creditworthiness of the unbanked. These models have the potential to expand financial inclusion and provide millions of people with access to credit and other financial services.

This thesis examines the current landscape of alternative credit scoring models for the unbanked and explores their potential impact on financial inclusion. The research will investigate the feasibility and effectiveness of these models, as well as their implications for consumer privacy and data security.

Chapter 1: Introduction
1.1 Introduction
1.2 Background of study
1.3 Problem Statement
1.4 Objective of study
1.5 Limitation of study
1.6 Scope of study
1.7 Significance of study
1.8 Structure of the Thesis
1.9 Definition of terms

Chapter 2: Literature Review
2.1 Traditional credit scoring models
2.2 Challenges faced by the unbanked
2.3 Alternative data sources for credit scoring
2.4 Existing alternative credit scoring models
2.5 Impact of alternative credit scoring on financial inclusion
2.6 Consumer privacy and data security considerations
2.7 Regulatory framework for alternative credit scoring
2.8 Success stories and case studies
2.9 Gaps in the current literature
2.10 Theoretical framework

Chapter 3: Research Methodology
3.1 Research design
3.2 Data collection methods
3.3 Sampling techniques
3.4 Data analysis procedures
3.5 Ethical considerations
3.6 Validity and reliability
3.7 Research limitations
3.8 Future research directions

Chapter 4: Discussion of Findings
4.1 Feasibility of alternative credit scoring models
4.2 Effectiveness of alternative credit scoring models
4.3 Implications for financial inclusion
4.4 Consumer privacy and data security implications
4.5 Regulatory challenges and considerations
4.6 Comparison with traditional credit scoring models
4.7 Case studies and real-life examples
4.8 Recommendations for policymakers, financial institutions, and researchers

Chapter 5: Conclusion and Summary
5.1 Summary of the findings
5.2 Conclusions drawn from the research
5.3 Contributions to the existing literature
5.4 Practical implications and recommendations
5.5 Areas for future research

Overall, this thesis aims to provide a comprehensive overview of alternative credit scoring models for the unbanked and their potential impact on financial inclusion. By examining the current landscape, exploring the challenges and opportunities, and proposing recommendations for stakeholders, this research will contribute to the ongoing dialogue on expanding access to credit for underserved populations.

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