At CARMA we are re-imagining the traditional credit bureau model by building a peer-to-peer, decentralised data exchange for financial service providers that provide credit and lending products to the unbanked. Our vision is to enable the +2 Billion unbanked population of the world to gain access to finance.At CARMA we are re-imagining the traditional credit bureau model by building a peer-to-peer, decentralised data exchange for financial service providers that provide credit and lending products to the unbanked. Our vision is to enable the +2 Billion unbanked population of the world to gain access to finance.