The idea is to use psychometric tests to give people with little or no credit history a better chance of getting support and investment.

New ways of providing financial services are needed because 1.7 billion people have no access to any kind of formal banking facilities, according to the World Bank. Known as the unbanked, they deal only in cash. This can make it harder to reduce poverty, save money or invest for the future.

Cheap mobile phones and good network coverage in Nigeria are also transforming the lives of people who previously only dealt in cash.

Presented and produced by Anisa Subedar

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