Case Study: Dollarito expands credit access for low-score communities with IBM Cloud and IBM watsonx

Dollarito expands credit access for low-score communities with a solution built on IBM Cloud

Dollarito is a digital lending platform that helps people with no credit history or low credit scores access fair, affordable loans, but it needed a scalable, secure, and compliant technology foundation to better evaluate repayment ability beyond traditional credit scores. Dollarito turned to IBM and IBM Cloud to support its mission of expanding credit access for underserved communities.

IBM implemented a cloud-based solution using IBM Cloud for Financial Services and IBM watsonx, with containerized operations, data mesh, and strong audit and access controls. As a result, Dollarito achieved 60% faster loan approvals and regulator audits, cut costs by 40% through automation, and reduced fund distribution time to just a few minutes.

Dollarito

Carmen Roman

Co-founder and CEO