MO Technologies Chooses Esri’s ArcGIS Platform to Support Alternative Credit Scoring Tool


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New product uses Esri data and geocoding to extend financial services to underserved markets

REDLANDS, Calif. — MO Technologies, which gives financial technology (fintech) companies a more complete view of a person’s creditworthiness through location intelligence, has adopted Esri’s ArcGIS platform to provide the precise data and frequently updated core MO tools used to complement traditional credit reporting models.

Understanding that a person’s financial life doesn’t always fit the mold used by credit bureaus and banks, MO executives believe that knowing more about where a person lives and works can help fill in the gaps and justify extending credit to some of the hundreds of millions of people excluded from the financial system.

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“Situations can change drastically, as we have seen over the past two years, said Javier Díaz-Cely, director of analysis at MO. “It is important to take into account the changing characteristics of a place where a loan applicant lives. Placing the data in a geographic context offers valuable insights and crucial understanding. »

At the heart of MO’s software-as-a-solution (SaaS) offerings, including its latest product, MO Geo, is trusted information from Esri, the world leader in location intelligence. By adopting ArcGIS Platform, Esri’s Platform as a Service (PaaS), MO has unlocked access to Esri’s rich demographic data and precision geocoding services.

“We’re thrilled that MO turned to ArcGIS Platform when the company needed reliable data and geocoding,” said David Cardella, Esri Product Manager for Developer Technologies. “By offering flexible solutions, we allow our customers to focus on what they do best.”

MO uses data on housing prices, cost of food, access to transport and public services, etc., to create models that can help estimate a person’s income or financial risk. The MO team found that in Argentina, for example, the distance between a person’s home and an ATM is an important factor. In Mexico, it is important to consider house prices and the number of grocery stores near the applicant.

MO Geo, the company’s recently launched standalone product, provides fintechs and other financial institutions with geographic indexes, developed through machine learning, that can be used as inputs to complement traditional models. The product also works in tandem with MO Score, the company’s own credit scoring platform.

Beyond financial institutions, the company has worked with gig-economy companies as well as consumer goods manufacturers who wanted to extend credit to small merchants with little financial history.

Based in Bogotá, Colombia, MO has focused its work thus far in the Latin American and Caribbean regions. The company’s technology has already played a role in a million credit scores. A free version of the MO Geo solution is available in the United States. The company is expanding product availability to Mexico, Colombia and the rest of Latin America and the Caribbean.

To learn more about Esri’s ArcGIS platform, visit

About MO Technologies

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At MO, we advance technology for more inclusive, digital and transparent financing. We are a SaaS credit technology company covering E2E digital credit lifecycle management for origination, servicing and debt collection in a one stop shop scheme. Our productized solution allows an ultra-fast launch of your new hyper-personalized product, fully digital and seamlessly integrated into your platforms. We are the right technology partners for Fintechs and traditional issuers because we enable them to revolutionize the credit industry.

About Esri

Esri, the global market leader in geographic information system (GIS), geolocation, and mapping software, helps customers harness the power of data to improve operational and business results. Founded in 1969 in Redlands, California, USA, Esri software is deployed in more than 350,000 organizations worldwide and more than 200,000 institutions in the Americas, Asia and the Pacific, Europe, Africa and in the Middle East, including Fortune 500 companies and government agencies. , non-profit organizations and universities. Esri has regional offices, international distributors, and local support partners in more than 100 countries on six continents. With its pioneering commitment to geospatial information technology, Esri designs the most innovative solutions for digital transformation, the Internet of Things (IoT), and advanced analytics. Visit us at

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Jo Ann Pruchniewski
Public Relations, Esri
Mobile: 301-693-2643
Email: [email protected]




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