BDSC firms are using varied forms of non-traditional data—from mobile call data records and bill payments to Internet browsing patterns and social media behaviour—to create a new way to assess consumer risk, determine the creditworthiness of previously “invisible” consumers, and consequently offer convenient, quicker, and often cheaper loans to the previously underserved. Their prime offering: unsecured, short-term, small-ticket consumer credit served at a dramatically lower cost than traditional loans.