On this episode of the Discourse Diaries, Philip Twum, Head of Business Development at Fido, reveals how the company tackles the challenges of digital lending in Ghana. Discover how Fido’s proprietary AI-powered credit scoring system—the "Fido Score"—serves as their secret sauce. Built on more than 10 advanced AI models, the Fido Score evaluates borrowers without relying on traditional financial histories, helping Fido reach a wider customer base while identifying reliable loan candidates.Philip also explains Fido’s innovative, non-physical approach to debt collection. With 11 years of experience, Fido has developed bespoke, data-driven methods to follow up with customers—ensuring responsible lending practices without abusive tactics.Listen to learn how Fido mitigates risks, promotes financial literacy through transparency, and empowers individuals and entrepreneurs who might otherwise be excluded from traditional banking.#AfricaDiscourseChannel #DiscourseChannel #ADC