International Journal on Data Science and Technology

Volume 7, Issue 1, March 2021

  • Tax Incentives and the Growth in Sales Revenue of Small and Medium Enterprises (SMEs) in Ondo and Ekiti States, Nigeria

    Babatayo Kolawole Olayemi, Adegbie Festus Folajimi

    Issue: Volume 7, Issue 1, March 2021
    Pages: 1-16
    Received: 20 August 2020
    Accepted: 11 September 2020
    Published: 4 January 2021
    Abstract: The growth of Small and Medium Scale Enterprises (SMEs) had been considered a vital factor in the economic development of any country especially with regard to creation of employment and contribution to the growth of Gross Domestic Product. The growth of SMES was however hindered by challenges ranging from the lack of financial resources to expand,... Show More
  • Using Open APIs To Drive Financial Inclusion Via Credit Scoring Built on Telecoms Data

    Adedeji Olowe, James Kunle Olorundare, Temitope Phillips

    Issue: Volume 7, Issue 1, March 2021
    Pages: 17-22
    Received: 31 December 2020
    Accepted: 11 January 2021
    Published: 2 February 2021
    Abstract: Financial exclusion remains a significant challenge in developing economies. It has been shown that access to credit facilities is a strong predictor of financial inclusion. Credit reporting and scoring remain effective tools for both traditional and alternative lenders, however, access to credible credit data and scoring mechanisms is one of the b... Show More