> For the complete documentation index, see [llms.txt](https://model.platformable.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://model.platformable.com/underserved.md).

# Underserved

### Data Dictionary

| Definition                                  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| ------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Key characteristics of groupings            | <p>Unbanked</p><p>Underbanked</p>                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| Reference material                          | <https://platformable.com/blog/is-open-banking-helping-the-underserved/>                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
| Platformable’s taxonomy model               | <p>We measure the impacts on sub-populations</p><ul><li>Low income consumers in low and middle income countries</li><li>Low income and disenfranchised consumers, including some small businesses, in higher income countries</li><li>Women, migrants, and non-white populations around the globe</li></ul><p>World Bank categories of LIMCs: <https://datahelpdesk.worldbank.org/knowledgebase/articles/906519></p>                                                                                                                                                                                                                                                                                                  |
| Key indicator(s) used in scorecards/ranking | <p>Number of bank platforms per million pop in LIMCs</p><p>Number of fintech platforms per million pop in LIMCs</p><p>Number of fintech operating in LIMCs originating in low and middle countries (TOTAL) : those originating in higher income countries (TOTAL) (ratio)<br></p><p>Number of government or regulator-managed datasets available globally to measure lending practices to specific populations: 0<br></p><p>Percentage fintech being built using open banking APIs that could be used to improve financial inclusion (globally and in LIMCs)<br></p><p>Percentage of fintech with women in leadership (by region)</p><p>Percentage of fintech that have nonwhite people in leadership (by region)</p> |
| How to analyse/calculate                    | By: Bank, country, region, global                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| How to display/visualise                    | <p>Trends line over time</p><p>Map of the world showing half circles for platforms and bars for products</p><p>RAG Scorecard for ranking compared with global</p><p>Bar chart (non-exclusive)  </p>                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| How to use in strategic analysis            |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| How to use in equity analysis               |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| Scorecard                                   | Percentage fintech being built using APIs that could be used to improve financial inclusion (in LIMCs) color coded by fifths                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |