CASE STUDY | Carbon 1 Carbon Transforms Consumer Lending with DataRobot When Ngozi Dozie and his brother Chijioke looked at the Nigerian financial landscape, particularly in the areas of consumer lending and credit infrastructure, they saw a landscape that was immature but held tremendous opportunity. Out of 100 million adults in Nigeria, over 40 million of them did not have bank accounts, and there were only about 200,000 distributed credit cards in the entire country. Since commercial banks were hesitant to offer consumer loans, this was an opportunity for Carbon, the fintech company started by Ngozi and his brother, to help serve the underbanked population of Nigeria. By leveraging modern mobile app technology with cutting-edge data science supported by DataRobot, Carbon

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