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Some of the world's greatest innovators, entrepreneurs, and business researchers share their stories and insights from the stage at TED conferences, TEDx events and partner events around the world. You can also download these and many other videos for free from TED.com that features interactive English transcript, and subtitles in as many as 80 languages. TED is a nonprofit devoted to Ideas Worth Spreading.


A smart loan for people with no credit history (yet) | Shivani Siroya

April 25th, 2016

Episode 163 of 176 episodes

Trust: How do you earn it? Banks use credit scores to determine if you're trustworthy, but there are about 2.5 billion people around the world who don't have one to begin with -- and who can't get a loan to start a business, buy a home or otherwise improve their lives. Hear how TED Fellow Shivani Siroya is unlocking untapped purchasing power in the developing world with InVenture, a start-up that uses mobile data to create a financial identity. "With something as simple as a credit score," says Siroya, "we're giving people the power to build their own futures."