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India’s Yabx has created financial behavioral models based on AI and machine learning which can be used by telecom operators, banks and financial service organizations to provide credit to the over 2 billion unbanked or underserved customers in Asia, Africa, and Latin America. It is one of five finalists in an Impact startup competition organized by 4YFN, the startup event of Mobile World Congress, which is taking place in Barcelona June 28-July 1. Yabx, which will be pitching at 4YFN, says it has created credit scores for some 150 million creditworthy yet underserved borrowers across 15 countries. It processes more than 100 billion data records each month. Customers include telecom operators Airtel, Axiata, America Movil, Orange and more than 10 regional banks and microfinance institutions.