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Cignifi company logo


Founded Year



Angel | Alive

Total Raised


Last Raised

$1M | 2 yrs ago



About Cignifi

Cignifi, formerly GMH International, offers a behavior-based score engine that delivers a suite of credit and response scores for anyone with a mobile phone.

Headquarters Location

245 First St Suite 180

Cambridge, Massachusetts, 02142,

United States


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ESPs containing Cignifi

The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.

Financial Services / Digital Lending Tech

Companies in this market are building algorithms that use data other than credit history to assess a borrower's creditworthiness. Alternative data credit scoring companies leverage customers’ digital footprints, full-file public records, banking data, utility payments, insurance payments, and social media activities.

Cignifi named as Outperformer among 10 other companies, including Equifax, ClearScore, and Nova Credit.

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Expert Collections containing Cignifi

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Cignifi is included in 2 Expert Collections, including Digital Lending.


Digital Lending

1,903 items

This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.



7,751 items

US-based companies

Latest Cignifi News

Quod and Cignifi Announce Partnership in Brazil

Jan 31, 2019

Quod and Cignifi Announce Partnership in Brazil The partners will launch the country’s first online platform with the potential to significantly improve access to financial services for millions of underserved consumers   Sao Paulo, Brazil, October 30 2018: Quod, Brazil’s newly established positive credit bureau, and Cignifi, a leading US fintech company, announced today a partnership that has the potential to significantly improve access to financial services for millions of underserved consumers across Brazil. The partners will collaborate to launch the country’s first online platform that will provide credit, marketing, fraud and other insights for underserved consumers and SMEs using alternative telecom data combined with a proprietary artificial intelligence and machine learning platform. Quod and Cignifi are in advanced discussions with mobile operators and retailers to bring this data platform to market, and by combining alternative data with Quod’s positive approach to credit scoring, the platform will enable consumers and micro-entrepreneurs to gain access to a broad range of credit products and services, while opening an untapped new customer base to lenders. “Quod’s mission is to connect consumers and businesses in a brand-new way. Approximately 30% of Brazilian consumers are unbanked, so we need an innovative, secure and tested approach to bring these consumers to the credit market while minimizing uncertainty for lenders” said Rodrigo Abreu, Quod’s CEO. “We are very excited to help introduce a positive credit approach to Brazil,” said Jonathan Hakim, Cignifi’s CEO. “The main goal of this partnership is to connect people, companies and financial institutions in a transparent and efficient way and allow all parties to make better, more informed credit and marketing decisions.” The Quod-Cignifi Platform will provide substantial coverage on millions of new-to-credit customers in Brazil. The emergence of a Positive Credit Bureau is significant because it rewards consumers for their positive, responsible use of credit, rather than simply exclude them based on any potential negative credit events in their record. Customer privacy and compliance are also major priorities of the Quod/Cignifi Partnership and will be rigorously protected by use of anonymized data and customer opt-ins. From the business perspective, the initial roll-out of this partnership will address three of the most immediate challenges faced by telco operators: • High initial customer default risk and fraud exposure • The challenge of contacting customers who have defaulted and have no valid contact information • The difficulties of effectively processing and utilizing the vast amount of data Telcos generate Mobile operators will also benefit from advanced customer lifecycle tools to help minimize churn and increase lifetime customer value, and they will also gain access to highly granular market share insights of their customer base. The partnership’s product offerings will include credit insights to complement Quod’s positive scores, fraud scores to screen credit applications and online transactions, and propensity indicators to enable digital marketing initiatives. About Quod Quod is a data management fintech company created by Brazil’s five largest banks in 2017, to focus on risk management, fraud prevention and big data products and solutions. The company started operations by the end of 2018, and will serve clients in all economic sectors, including financial institutions, insurers, retailers, telecommunication operators and small to medium-sized companies, among others. Quod values data privacy and protection, respects consumers and is committed to improving Brazil’s credit environment, by promoting financial education and providing solutions for better informed companies and individuals. “We are very excited to help introduce a positive credit approach to Brazil. The main goal of this partnership is to connect people, companies and financial institutions in a transparent and efficient way and allow all parties to make better, more informed credit and marketing decisions.” Jonathan Hakim, CEO, Cignifi

Cignifi Frequently Asked Questions (FAQ)

  • When was Cignifi founded?

    Cignifi was founded in 2010.

  • Where is Cignifi's headquarters?

    Cignifi's headquarters is located at 245 First St, Cambridge.

  • What is Cignifi's latest funding round?

    Cignifi's latest funding round is Angel.

  • How much did Cignifi raise?

    Cignifi raised a total of $13.8M.

  • Who are the investors of Cignifi?

    Investors of Cignifi include Gavea Angels, BR Angels, Plug and Play Accelerator, Flourish Ventures, LeapFrog Investments and 3 more.

  • Who are Cignifi's competitors?

    Competitors of Cignifi include Traive, Nova Credit, Fido, Borrowell, Trusting Social and 13 more.

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Nova Credit

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