Research & Analysis

Putting Gig Data to Work: Innovations in Expanding Credit Access

Gig platforms can use work and earnings data to provide meaningful financial services to underserved gig workers. This brief highlights the experience of two industry pioneers, Moove and Karmalife, that have painstakingly built algorithms, designed products, and implemented pilots to prove the value of work data to extend transformative credit to workers. Their efforts are still in the early stages, and there is a need for more experimentation and innovative problem-solving in this space.


These briefs draw from five pilots supported by CGAP and a learning community of over 50 executives from fintechs, platforms, support organizations, and financial service providers. We would like to recognize the following participants for their valuable contributions:

  • Abdellatif Olama and Abhinand Gopal, JumiaPay
  • Angela Sharp and Nick Calothi, ABALOBI
  • Anshul Khurana, Entitled
  • Badal Malick, Sachin Tripathi, Karmalife
  • Christian Wamambe Mayeku, SafeBoda
  • Christopher Maclay, Jobtech Alliance
  • Jim Chu, Untapped Global
  • Kayode Adeyinka, Gigmile
  • Liza Maru and Saurabh Sharma, Britam Insurance
  • Melina Cruz, Homely 
  • Niladri Roy, LittleApp
  • Pramod Ghorpade, Dvara Money
  • Pranshu Diwan, Ola Insure
  • Paul Bastian, Gojek
  • Rachel Levenson, Turaco
  • Tanah Sullivan, GoTo
  • Tingting Peng, Moove

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