Juvo is a fintech company focused on expanding access to credit for people who lack formal credit histories. Founded in 2014, the company analyzes mobile user interactions to develop proprietary credit scores and predictive credit decisioning tools. In Brazil, Juvo supports more than 100,000 loans each day, including airtime lending and cash loans that use mobile devices as collateral. Its work combines mobile data, financial services, and alternative credit assessment to help banks and other providers reach underserved consumers, with ambitions to extend this model internationally.