Unlocking financial insights from mobile data for blue-collar workers, India

• Sep 10, 2025
• 1 min

Millions of blue-collar workers in India lack formal credit histories. This creates a challenge for financial institutions when they attempt to assess creditworthiness and offer suitable products. Entitled is a digital platform that offers financial services to more than 34 million blue-collar workers across India. It partnered with MSC to extract meaningful financial insights from unstructured mobile data and bridge this gap.

MSC applied natural language processing (NLP) and text mining techniques to analyze mobile SMS data, such as banking alerts and spending notifications. This allowed our experts to identify key financial behaviors, which included income patterns, savings activity, and repayment history. We used the insights to create structured customer profiles. The profiles enabled Entitled to design more relevant financial products for its users. MSC also developed a user-friendly dashboard to help Entitled scale this approach, monitor user behavior, and continuously refine service delivery.

Entitled used the project to serve low-income and thin-file customers better. It turned behavioral data into actionable financial intelligence and improved access to savings and credit solutions for a traditionally underserved segment. This approach offered a path to responsible financial inclusion for users without formal banking histories. It also aligned products with the actual financial capacity and habits of these users.

JPMorgan Chase commissioned the project.