Reach is a credit scoring and financial literacy platform that allows users to manage personal finances and access credit. The platform leverages a credit scoring algorithm to enable any lender or retailer to determine the credit capacity and worthiness for any user with transaction history, bank account or mobile money. The app allows individual users to track their expenses, estimate a typical budget according to profile as well as create a list of future events to plan for (e.g. vacation). Additionally, it provides recommendations for spending (clothes, food, saloons, car maintenance etc.) according to the user's past experiences.