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NOTE: A facebook integrated chat bot was made to guide the user through the transaction process. Here is the link: http://m.me/1993124904298926 The project idea is represented by developing a common data driven layered infrastructure that serves different user presentation layers allowing users to adopt micro-loans with interest rates set by the bank based on data analysis & a suitable credit scoring system which reduces risks & increases the accuracy of operations. Data used for analysis can include that taken from third-party data-providers that can also allow through-app payments that, in turn, provides payment data analytics essential as a parameter

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