We see so many lenders get stuck in the same paradoxical situation: they're trying to expand their reach to the millions of underbanked or thin-file customers, but their own policies stand in the way. For good reason. Governance structures designed for lending to prime, salaried borrowers shouldn't be recklessly expanded to serve borrowers with no credit history. That would be trying to serve a  motorbike mechanic using the same credit policies built for a  mid-career engine