Abstract: Banking and telecommunication network data may be combined to generate credit scores by separating aspects of credit score computation to protect the privacy of consumers and each institution that may collect data. A system of unsupervised, semi-supervised, or adaptive learning may be separated between a bank and a telecommunications network. Telecommunications networks may generate summarized statistics of their users, which may be combined into a formula for calculating an estimated credit score. The factors used for the formula may be transmitted to the bank, which may compare the calculated scores with actual financial behavior. The bank may generate updated factors, which may be returned to the telecommunications network to update the credit scoring formula.