Cignifi has developed an analytics platform using mobile phone data that underwriters can use to generate credit scores for the more than 1 billion people worldwide who use a mobile phone on a prepaid basis but have no history with a financial services product such as insurance, credit card, savings account, or installment loan to help predict risk. The Cignifi platform was developed by a team of behavioral mathematicians and data scientists who state they can perform analysis on as little as four weeks of calling history to determine credit risk. The technology examines voice, text, and da...