Three billion people around the world lack access to finance because they have little or no credit history. Entrepreneurial Finance Lab (EFL) developed their psychometric credit scoring in 2006 at the Harvard Center for International Development to address this gap in access. Since then, their technology has helped entrepreneurs and consumers around the world gain access to $1.5 billion is loans. EFL's product is used in 15 countries and 20 languages.

I photographed and interviewed some of the people who have benefitted from EFL's technology in Peru, Bangalore, India and Jakarta, Indonesia.