It's one of the great conundrums of the financial world: people who have a credit history can readily get more credit, if they have behaved themselves when it comes to waving their wallets; those who don't have a credit history can't get the credit they need to build a credit score.

"Credit scoring is very low in Sub-Saharan Africa," says Simon Rudman, head of finance at Experian SA, the local division of the global credit reporting company. "As a result, a significant proportion of society cannot take part in the wider economy. These are the credit invisibles in our society."

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