The FDIC estimated in 2018 there are 10 million unbanked and underbanked households in the U.S. Respectfully, 7.7% and 17.9% of US population. Subsequently, that means 20% of US population is not well evaluated or accommodated with regards traditional credit scores and new technologies. The options and choices of Scoring, Communication channels and Payment channels involve many technologies and enhancements. This makes the evaluation of what will provide the best return of investment for your organization and client critical.