LenddoEFL is a provider of alternative credit scoring and identity verification products to financial institutions in emerging markets. The company uses machine learning, artificial intelligence, predictive analytics, and a variety of sources to deliver digital and behavioral data to help lenders assess the credit risk of individuals and small businesses. Its identity verification, document collection, and authentication products allow financial institutions to verify and onboard new customers, reduce fraud, and streamline application processing by using digital data. LenddoEFL was formed as a result of a merger between Lenddo and Entrepreneurial Finance Lab (EFL).