Just started going into binning and credit scoring to learn more, as I was interested in integrating financial services into my apps. It's crazy, really! (Das ist krazy). Crazy how all the tools in that field are built by huge corps like IBM, Microsoft, none are from small companies, and hence, those companies charge insane amounts for their analytical and segmenting tools.
Tbh, I'm just thankful for someone who earlier recommended to me via LinkedIn CapprossBins, a FREE alternative to all. Honestly, after using; kudos to that guy who built that tool. saved a few quids!
Anyways, the point of me writing this is noting how sometimes, doing good acts for the public is important. Building software for people to use freely without taking a dime, or donating to someone in need, or even just joining groups (A Gam'eya (Arabic: جمعية, meaning "assembly" or "association") is an informal Rotating Savings and Credit Association (ROSCA) widely used across the Middle East, particularly in Egypt. It is a communal financial arrangement built on social trust rather than formal legal contracts or interest rates.)