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We are making some changes to our privacy policy due to the new GDPR regulations that come into force on 25th May. Our updated policy provides more details on: the information that we collect, how we use this information, why we store, and why we keep it, and how you can request that your information is updated, corrected, or deleted. Read our Privacy Policy here


FriendlyScore is a SaaS B2B solution that analyses social and online data to assess borrower risk and default probability. This helps lenders increase approval and conversion rates, and offers borrowers better access to financing.

Our values

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Financial inclusion for young, underbanked, and internationally mobile populations

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Objective credit decisioning based on algorithm scores, not human biases

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Better conversion and approval rates for lenders through supplementary social data

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Consumer data protection from user-permissioned data access; no personalized storage or reselling

Leadership Team

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Loubna BazineCEO

Loubna is an experienced finance professional, with many years of experience in commodities derivatives in major institutional banks including Bank of America Merrill Lynch, Standard Chartered Bank and Mitsubishi Bank. She also worked as a Senior Fundraiser in the Fintech sector. As our CEO, she brings a wealth of knowledge and valuable expertise which she acquired over the course of a successful career. Loubna holds a master degree in Mathematics from Columbia University in New York.

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Emilian SiemsiaCTO

Emilian is a web developer specialising in PHP, Python and JAVA. He has a special interest in artificial intelligence, particularly semantic analysis. Pior to starting FriendlyScore he ran a software development house. Emilian was educated at Wroclaw University of Technology.

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