A bank wanted to provide loans to gig workers who did not qualify under traditional credit scoring. It was losing over 90% of these potential customers to peer-to-peer lenders. The document recommends developing an alternative credit scoring system for gig workers that integrates a fintech solution to collect their digital footprint and mobile usage data. This new system increased the number of loans disbursed by the bank with only a small 2.3% increase in delinquencies. User adoption of the new system reached 78% and it reduced processing times.