Across Uganda, millions are "credit unworthy" not for squandering cash, but simply because they lack such traditional financial records or collateral. Just 10% of Ugandans use formal credit, with the rest, over 70%, still resorting to traditional means like SACCOs, friends or family, or neighborhood moneylenders. This outdated credit model excludes many families from potential business growth, education, or homeownership imply because they lack a bank statement or title to property.