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Indian Startups Use Big Data to Offer Small Credit

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India’s startups are using big data to build credit scores for people without borrowing histories. Photo: Elva Darnell/The Wall Street Journal

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FTFCOUNTRY INDIA FTFCOUNTRY CHINA FTFINCLUSION FTFVIDEO FTFTHEME CREDIT FTFTHEME BIG DATA BIG DATA CREDIT SCORING FINOMENA WELAB FTFTHEME TECHNOLOGY FINANCIAL INCLUSION FTFSECTION IN THE FIELD Financial Services Technology Financial Technology Banking Credit Political General News Personal Finance Personal Credit Score Asia Pacific Asia BRICS Countries Greater China Emerging Market Countries Developing Economies Eastern Asia Indian Subcontinent India American Indian Amerind Amerindian injun Native American Indian MOGAI indian indians association charity company constitution corporation creation endowment establishment guild inauguration institute institution organization origination plantation set-up settlement society trusteeship startup MOGAI Startup start-up Startups adoption benefit handling help need operation practice purpose service treatment usage value account advantage appliance applicability appropriateness avail call capitalization cause convenience custom end exercise exercising exertion fitness good habit helpfulness mileage mobilization necessity object occasion point profit reason relevance serviceability usability usefulness utility way wont worth wear and tear disadvantage harm hindrance hurt injury inappropriateness loss unsuitability uselessness handle control adopt run work wield utilize accept employ exploit manage apply operate spend manipulate exhaust expend regulate exert relate ply bestow govern waste capitalize bring into play bring to bear draw on run through take advantage of avail oneself of do with find a use make do with make the most of make use play on press into service put forth put into action put to use put to work set in motion turn to account save leave alone stop halt let go neglect mismanage abstain repudiate reject cease renounce misuse abuse do an injustice to impose on use wrong commend approve esteem care for defend treasure honor praise compliment adulate acclaim revere prize respect protect preserve cherish abused backbit bad-mouthed bashed belittled berated blew off calumniated capped castigated cuss out cut down cut to the quick decried defamed derogated did a number on discounted dumped on gave a black eye hurled brickbat insulted knocked minimized nagged offended oppressed persecuted picked on put down ragged on ran down reproached reviled ripped up rode scolded signified slammed slapped slung mud smeared sounded swore at tear apart trashed upbraided vilified vituperated zinged commended esteemed cared for helped defended approved flattered treasured honored adulated acclaimed revered prized benefited respected protected preserved cherished exalted lauded praised complimented abusing backbiting bad-mouthing bashing belittling berating blowing off calumniating capping castigating cutting down cutting to the quick decrying defaming derogating discounting doing a number on dumping on giving a black eye hurling brickbat insulting knocking minimizing nagging offending oppressing persecuting picking on putting down ragging on reproaching reviling riding ripping up running down scolding signifying slamming slapping slinging mud smearing sounding swearing at trashing upbraiding vilifying vituperating zinging commending esteeming caring for helping defending approving flattering treasuring honoring adulating acclaiming revering prizing benefiting respecting protecting preserving cherishing exalting lauding praising complimenting adapt affiliate affirm appropriate assent assume borrow embrace endorse espouse follow go down the line go in for imitate maintain mimic opt ratify seize select support take on take over take up tap repulse return give oppose disagree disown shun disallow discard disapprove refuse release deny adopted chose fostered naturalized picked raised selected took in repulsed left alone repudiated rejected disowned aid asset assistance benediction betterment blessing boon cream egg in one's beer extras favor gain godsend gravy interest perk prosperity welfare handicap bad fortune misfortune bad luck disapproval obstruction blockage U.S.E MOGAI colossal considerable enormous fat full gigantic hefty huge immense massive sizable substantial tremendous vast a whale of a ample awash brimming bulky bull burly capacious chock-full commodious copious crowded extensive heavy-duty heavyweight hulking humongous husky jumbo mammoth mondo monster oversize packed ponderous prodigious roomy spacious strapping stuffed super colossal thundering voluminous walloping whopper whopping impoverished inconsiderable insignificant little miniature minute poor slight small teeny thin tiny unimportant adolescent baby babyish blah bland dull humble infant infantile juvenile selfish shy unconfident ungenerous ungiving leading powerful valuable significant popular serious main big league consequential eminent influential major league material meaningful momentous paramount prime principal prominent super weighty big-time trivial minor subordinate tall adult elder full-grown grown-up mature altruistic benevolent bighearted chivalrous considerate free gracious heroic liberal lofty magnanimous noble princely unselfish greathearted arty boastful conceited flamboyant haughty imperious imposing inflated overblown pompous presumptuous pretentious proud high-sounding bragging Brobdingnagian big giant A-OK adequate admissible all right average common cooking with gas cool copacetic decent delightful fair fairish goodish hep hip hunky-dory in the swim kosher large moderate okay on the ball on the beam passable peachy keen pleasant pleasing respectable right on satisfactory standard sufficient swell tolerable trendy unexceptional unobjectionable up to code up to snuff welcome extreme unreasonable bad extraordinary unusual abnormal unacceptable acceptable disagreeable unrespectable unwelcome unsatisfactory disturbing inadequate intolerable insufficient unsuitable Robin Hood all heart big-hearted bleeding heart charitable generous good good scout human humane humanitarian kind openhanded philanthropic self-sacrificing stingy uncharitable abounding abundant bounteous bountiful broad enough expansive galore great heavy lavish no end plenteous plentiful plenty profuse rich spare unrestricted wide not enough limited rare meager short narrow scarce sparse lacking wanting restricted cramped amplest Big MOGAI dossier evidence goods info input knowledge picture statistics testimony abstracts circumstances compilations conclusions details documents dope experiments facts figures materials measurements memorandums notes proof reports results scoop score brass tacks chapter and verse whole story analytics analysis data logic partition basis antecedent assumption authority axiom backbone background backing base bedrock cause center chief ingredient core crux dictum essence essential explanation footing fundamental hard fact heart infrastructure justification keynote keystone law nexus nucleus postulate premise presumption presupposition principal element principle reason root rudiment sanction security source substratum support theorem theory underpinning warrant end effect exteriority fact result surface periphery outside exterior trivia auxiliary reality bit binary digit binary unit whole bits atoms butts chicken feeds chips chunks crumbs dabs dashes divisions dollops doses dots driblets droplets ends excerpts flakes fractions fragments grains iotas items jots licks lumps mites modicums moieties molecules morsels niggles parcels particles parts peanuts pinches portions samples scales scintillas scraps sections segments shards shares shavings shreds slices slivers smidgens snatches snippets snips specimens specks splinters sprinklings stubs stumps tastes tittles traces trickles agreements lots globs entireties wholes byte eight bits unit discoveries algorithms bonanzas breakthroughs contrivances coups designs devices findings finds formulas godsends innovations laws luck luck outs machines methods principles processes secrets theorems ways bad fortunes misses losses Data MOGAI datum Datum action attempt bid overture endeavor essay feeler hit pass pitch presentation proposition rendition submission tender propoundment denial idleness refusal taking withdrawal give extend grant provide suggest show award afford submit allow donate display exhibit advance accord pose move ply press propound proffer sacrifice furnish volunteer come forward hold out put up be at service make available place at disposal put forth put forward put on the market put up for sale lay at one's feet withdraw discourage stop fight take keep hold dissuade take back resist hide veto refuse deny withstand withhold conceal cite present adduce advise allege make a motion make a pitch seek assay struggle undertake strive forget laze administer apply apportion authorize bring contribute deal deliver disburse distribute dole out execute impose inflict issue measure out mete out offer perform portion regulate serve supply neglect mismanage retain maintain fail frustrate forego shun hoard refrain administered applied apportioned authorized brought contributed dealt delivered disbursed distributed doled out executed extended furnished gave imposed inflicted issued measured out meted out offered performed portioned proffered provided regulated served supplied tendered neglected mismanaged withdrew retained took maintained kept held failed frustrated forewent shunned refused denied took back hoarded withheld refrained administering applying apportioning authorizing bringing contributing dealing delivering disbursing distributing doling out executing extending furnishing giving imposing inflicting issuing measuring out meting out offering performing portioning proffering providing regulating serving supplying tendering neglecting mismanaging withdrawing retaining maintaining keeping holding failing frustrating foregoing shunning refusing denying taking back hoarding withholding refraining ballyhoo beat the drum for benefit boost encourage foster further get ink for hype introduce lay forward make a pitch for plug puff push put on the map set forth splash spot throw spotlight on urge yield turn halt hurt decrease retrogress retreat recede hesitate back down prevent hinder block advances adduces alleges ballyhoos beats the drum for benefits boosts cites encourages fosters furthers gets ink for hypes introduces lies forward makes a pitch for offers plugs presents proffers puffs pushes puts forward puts on the map serves sets forth splashes spots submits suggests throws spotlight on urges yields withdraws turns stops takes halts hurts discourages takes back decreases retrogresses retreats recedes hesitates refrains withholds hides conceals prevents hinders blocks dissuades advancing adducing alleging ballyhooing beating the drum for benefiting boosting citing encouraging fostering furthering getting ink for hyping introducing lying forward making a pitch for plugging presenting puffing pushing putting forward putting on the map setting forth splashing spotting submitting suggesting throwing spotlight on urging yielding turning stopping halting hurting discouraging decreasing retrogressing retreating receding hesitating hiding concealing preventing hindering blocking dissuading Offer MOGAI cramped limited meager microscopic miniature minuscule modest narrow paltry poor short slight small-scale young baby bantam diminutive little mini minute petite petty scanty shrimp toy trifling wee bitty humble immature inadequate inconsequential inconsiderable insufficient picayune piddling pint-sized pitiful pocket-sized puny runty scrubby stunted teensy teeny trivial undersized unpretentious adequate big fat great huge important large liberal rich significant substantial sufficient tall thick unlimited unrestricted wealthy wide consequential giant useful benevolent broad-minded considerate distinguished enormous excellent famous fine generous giving immense kind insignificant light negligible minor lower set mean inferior secondary bush-league ineffectual lesser small-time unessential minor-league small-fry superior major first-rate first-class base ignoble illiberal selfish vulgar grudging noble babyish dwarf midget small tiny youthful brief abrupt bluff blunt boiled down breviloquent brusque compendiary compendious concise crisp curt hasty laconic pithy sharp short and sweet skimpy snippy succinct surly terse to the point long lengthy expansive long-lived lasting enduring indefinite wordy long-winded briefer briefs awkward circumscribed close closed in confined crabbed crowded hemmed in illegible incommodious indecipherable irregular jammed in packed pent restricted squeezed tight tucked up two-by-four uncomfortable uncrowded open free empty unobstructed uninhibited Lilliputian bitsy button peewee pocket teensy-weensy teeny-weeny undersize weeny Smalls MOGAI Small attention acclaim acknowledgment approval belief commendation confidence credence distinction faith fame glory honor kudos merit notice points praise reliance strokes thanks tribute brownie points pat on the back blame censure condemnation criticism disapproval disbelief distrust doubt rejection unimportance cash disclaimer discredit dishonor disregard disrespect ill repute standing prestige weight influence regard character authority clout renown esteem position repute estimation good name wealth mortgage loan bond balance stock continuance debenture extension lien plastic respite tab trust installment plan securities capital outlay installment buying on account on the arm on the cuff surplus cash rely on consider accept buy feel deem sense swallow hold think bank on fall for hand it to one have faith in pat on back take as gospel truth take stock in not buy renege mistrust disbelieve reject discard refer defer impute lay ascribe to attribute to chalk up to charge to accredit ascribe assign charge credit disapprove deny acclamation addressing answer apology applause appreciation bestowal bow card confession contract gift gratitude greeting guarantee hail hailing letter nod reaction receipt reply response return salutation salute signature statement support token question request admire adore applaud appreciate approve be crazy about be crazy for be crazy over be mad about be nuts about be stuck on be sweet on be wild about cherish commend delight in eulogize extol get high on glorify go for groove on hold in respect idolize laud look up to marvel at moon over pay homage to prize rate highly respect revere take pleasure in think highly of treasure value venerate wonder at worship mock criticize scorn execrate detest abhor condemn reproach denounce disparage hate dislike despise admired adored applauded appreciated approved cherished commended credited esteemed eulogized extolled fell for glorified got high on grooved on hailed held in respect honored idolized lauded looked up to marvelled at paid homage to praised prized respected revered thought highly of took pleasure in treasured valued venerated was crazy about was crazy for was crazy over was mad about was nuts about was sweet on was wild about went for wondered at worshipped not cared mocked disrespected criticized scorned execrated detested abhorred condemned censured reproached dishonored denounced disparaged hated disliked despised blamed admires adores applauds appreciates approves be sticks on cherishes commends credits esteems eulogizes extols falls for gets high on glorifies goes for grooves on hails holds in respect honors idolizes is crazy about is crazy for is crazy over is mad about is nuts about is sweet on is wild about lauds looks up to marvels at pays homage to praises prizes respects reveres takes pleasure in thinks highly of treasures values venerates wonders at worships not cares mocks disrespects criticizes scorns execrates detests abhors condemns censures reproaches dishonors denounces disparages hates dislikes despises blames admiring adoring applauding appreciating approving be sticking on being crazy about being crazy for being crazy over being mad about being nuts about being sweet on being wild about cherishing commending crediting esteeming eulogizing extolling falling for getting high on glorifying going for grooving on holding in respect honoring idolizing lauding looking up to marveling at paying homage to praising prizing respecting revering taking pleasure in thinking highly of treasuring valuing venerating wondering at worshipping not caring mocking disrespecting criticizing scorning execrating detesting abhorring condemning censuring reproaching dishonoring denouncing disparaging hating disliking despising blaming Credits MOGAI Credit India MOGAI ceramics crockery porcelain pottery service stoneware tableware ware china pots slipware terracotta wares dish bowl casserole ceramic container cup mug pitcher plate platter porringer pot salver saucer tray vessel dishes angels babes bathing beauties beauty queens broads bunnies centerfolds chicks cover girls cupcakes cutie-pies cuties dollfaces dolls dream girls dreamboats foxes glamor girls good-looking womans honeys hot dishes hot numbers peaches pin-ups raving beauties sex bunnies sex kittens sex pots tomatoes crackleware earthenware China MOGAI attention acclaim acknowledgment approval belief commendation confidence credence distinction faith fame glory honor kudos merit notice points praise reliance strokes thanks tribute brownie points pat on the back blame censure condemnation criticism disapproval disbelief distrust doubt rejection unimportance cash disclaimer discredit dishonor disregard disrespect ill repute standing prestige weight influence regard character authority clout renown esteem position repute estimation good name wealth mortgage loan bond balance stock continuance debenture extension lien plastic respite tab trust installment plan securities capital outlay installment buying on account on the arm on the cuff surplus cash rely on consider accept buy feel deem sense swallow hold think bank on fall for hand it to one have faith in pat on back take as gospel truth take stock in not buy renege mistrust disbelieve reject discard refer defer impute lay ascribe to attribute to chalk up to charge to accredit ascribe assign charge credit disapprove deny acclamation addressing answer apology applause appreciation bestowal bow card confession contract gift gratitude greeting guarantee hail hailing letter nod reaction receipt reply response return salutation salute signature statement support token question request admire adore applaud appreciate approve be crazy about be crazy for be crazy over be mad about be nuts about be stuck on be sweet on be wild about cherish commend delight in eulogize extol get high on glorify go for groove on hold in respect idolize laud look up to marvel at moon over pay homage to prize rate highly respect revere take pleasure in think highly of treasure value venerate wonder at worship mock criticize scorn execrate detest abhor condemn reproach denounce disparage hate dislike despise admired adored applauded appreciated approved cherished commended credited esteemed eulogized extolled fell for glorified got high on grooved on hailed held in respect honored idolized lauded looked up to marvelled at paid homage to praised prized respected revered thought highly of took pleasure in treasured valued venerated was crazy about was crazy for was crazy over was mad about was nuts about was sweet on was wild about went for wondered at worshipped not cared mocked disrespected criticized scorned execrated detested abhorred condemned censured reproached dishonored denounced disparaged hated disliked despised blamed admires adores applauds appreciates approves be sticks on cherishes commends credits esteems eulogizes extols falls for gets high on glorifies goes for grooves on hails holds in respect honors idolizes is crazy about is crazy for is crazy over is mad about is nuts about is sweet on is wild about lauds looks up to marvels at pays homage to praises prizes respects reveres takes pleasure in thinks highly of treasures values venerates wonders at worships not cares mocks disrespects criticizes scorns execrates detests abhors condemns censures reproaches dishonors denounces disparages hates dislikes despises blames admiring adoring applauding appreciating approving be sticking on being crazy about being crazy for being crazy over being mad about being nuts about being sweet on being wild about cherishing commending crediting esteeming eulogizing extolling falling for getting high on glorifying going for grooving on holding in respect honoring idolizing lauding looking up to marveling at paying homage to praising prizing respecting revering taking pleasure in thinking highly of treasuring valuing venerating wondering at worshipping not caring mocking disrespecting criticizing scorning execrating detesting abhorring condemning censuring reproaching dishonoring denouncing disparaging hating disliking despising blaming Credits MOGAI Credit colossal considerable enormous fat full gigantic hefty huge immense massive sizable substantial tremendous vast a whale of a ample awash brimming bulky bull burly capacious chock-full commodious copious crowded extensive heavy-duty heavyweight hulking humongous husky jumbo mammoth mondo monster oversize packed ponderous prodigious roomy spacious strapping stuffed super colossal thundering voluminous walloping whopper whopping impoverished inconsiderable insignificant little miniature minute poor slight small teeny thin tiny unimportant adolescent baby babyish blah bland dull humble infant infantile juvenile selfish shy unconfident ungenerous ungiving leading powerful valuable significant popular serious main big league consequential eminent influential major league material meaningful momentous paramount prime principal prominent super weighty big-time trivial minor subordinate tall adult elder full-grown grown-up mature altruistic benevolent bighearted chivalrous considerate free gracious heroic liberal lofty magnanimous noble princely unselfish greathearted arty boastful conceited flamboyant haughty imperious imposing inflated overblown pompous presumptuous pretentious proud high-sounding bragging Brobdingnagian big giant A-OK adequate admissible all right average common cooking with gas cool copacetic decent delightful fair fairish goodish hep hip hunky-dory in the swim kosher large moderate okay on the ball on the beam passable peachy keen pleasant pleasing respectable right on satisfactory standard sufficient swell tolerable trendy unexceptional unobjectionable up to code up to snuff welcome extreme unreasonable bad extraordinary unusual abnormal unacceptable acceptable disagreeable unrespectable unwelcome unsatisfactory disturbing inadequate intolerable insufficient unsuitable Robin Hood all heart big-hearted bleeding heart charitable generous good good scout human humane humanitarian kind openhanded philanthropic self-sacrificing stingy uncharitable abounding abundant bounteous bountiful broad enough expansive galore great heavy lavish no end plenteous plentiful plenty profuse rich spare unrestricted wide not enough limited rare meager short narrow scarce sparse lacking wanting restricted cramped amplest Big MOGAI dossier evidence goods info input knowledge picture statistics testimony abstracts circumstances compilations conclusions details documents dope experiments facts figures materials measurements memorandums notes proof reports results scoop score brass tacks chapter and verse whole story analytics analysis data logic partition basis antecedent assumption authority axiom backbone background backing base bedrock cause center chief ingredient core crux dictum essence essential explanation footing fundamental hard fact heart infrastructure justification keynote keystone law nexus nucleus postulate premise presumption presupposition principal element principle reason root rudiment sanction security source substratum support theorem theory underpinning warrant end effect exteriority fact result surface periphery outside exterior trivia auxiliary reality bit binary digit binary unit whole bits atoms butts chicken feeds chips chunks crumbs dabs dashes divisions dollops doses dots driblets droplets ends excerpts flakes fractions fragments grains iotas items jots licks lumps mites modicums moieties molecules morsels niggles parcels particles parts peanuts pinches portions samples scales scintillas scraps sections segments shards shares shavings shreds slices slivers smidgens snatches snippets snips specimens specks splinters sprinklings stubs stumps tastes tittles traces trickles agreements lots globs entireties wholes byte eight bits unit discoveries algorithms bonanzas breakthroughs contrivances coups designs devices findings finds formulas godsends innovations laws luck luck outs machines methods principles processes secrets theorems ways bad fortunes misses losses Data MOGAI datum Datum Big Data MOGAI add rack up record tally calculate count enumerate reckon register total chalk up keep tally subtract fail lose mend smooth accomplish get win reach pull off connect notch gain amass prosper secure impress procure thrive attain arrive flourish realize triumph gain advantage hit pay dirt luck out make a killing make an impression make the grade put over take the cake neglect give up leave depart pass miss languish forfeit deface gash cleave indent serrate scratch graze scrape mark slit slash line gouge groove mill furrow crosshatch fix sew set adapt compose orchestrate arrange disturb disorganize scatter disperse disorder disarrange marking blazing branding impressing initialing labeling lettering notching scoring ticketing markings callings characterizings denominatings distinguishings indicatings namings noticings pointing outs recognizings showings specifies termings MOGAI Scoring automation machinery computers mechanics mechanization robotics telecommunications applied science electronic components hi tech high tech industrial science scientific know-how scientific knowledge technical knowledge technology MOGAI Technology commercial economic fiscal monetary banking budgeting business numbers numeric pecuniary pocket across the counter bartering commissary exchange financial for sale in demand in the market market marketable mercantile merchandising popular profit-making profitable retail saleable sales supplying trade trading wholesale wholesaling budgetary money capital cash MOGAI admittance formation incorporation involvement composition embodiment embracement encompassment insertion subsumption comprisal exclusion subtraction addition accession adding adjoining affixing annexation attachment augmentation enlargement extension inclusion increasing deduction withdrawal shrinkage reduction loss lessening decrease additions accessions accessories accretions accruals addenda additives adjuncts aggrandizement annexes appendages appendices attachments augmentations bonuses boosts commissions dividends enhancements enlargements expansions extensions extras gains hikes increases increments options profits raises reinforcements rises supplements wings deductions drops falls declines withdrawals shrinkages reductions subtractions lessenings losses decreases belonging acceptance affinity association kinship loyalty rapport relationship insecurity opposition antipathy hatred dislike apotheosis archetype avatar cast collection comprehension conformation epitome example exemplar exemplification expression form incarnation integration matter organization personification prosopopoeia quintessence realization reification structure symbol systematization type disorganization infusion injection interjection interpolation introduction materialization exteriorization externalization manifestation objectification personalization substantiation Inclusion MOGAI affecting breathtaking climactic comic dramaturgic dramaturgical effective electrifying emotional expressive farcical histrionic impressive melodramatic powerful sensational spectacular startling striking sudden suspenseful tense histrionical the MOGAI The farmland garden grassland green ground meadow pasture range terrain territory acreage enclosure glebe lea mead moorland patch plot tillage tract vineyard cropland ranchland sky competition possibilities contestants participants candidates competitors entries nominees runners applicants province area region work environment job department line purview domain jurisdiction sweep orbit avocation racket vocation occupation discipline weakness scope circle bailiwick reach specialty confines compass precinct walk calling thing dominion margin cup of tea long suit métier speciality demesne champaign limits hobby pastime fun entertainment court track park course stadium turf golf course battlefield diamond theater circuit amphitheater playground lot grounds landing strip race track racecourse fairground gridiron rink playing area retrieve handle pick up deflect play patrol cover stop occupy return hold deal with turn aside abandon ignore belt block city county division field kingdom locality neck of the woods neighborhood parcel principality quarter section sector sphere square state stretch township vicinity ward zone whole areas belts blocks cities counties divisions domains dominions enclosures fields kingdoms localities neighborhoods parcels patches plots precincts principalities quarters sections sectors spheres squares states stretches territories townships tracts turfs vicinities wards zones wholes arena battleground realm scene theatre ball park ball field baseball field baseball stadium base camp center depot dock garrison hangar harbor home port post settlement site starting point station strip terminal branch top annex Armageddon combat zone front front line salient theater of operations theater of war -field MOGAI Field commercial economic fiscal monetary banking budgeting business numbers numeric pecuniary pocket across the counter bartering commissary exchange financial for sale in demand in the market market marketable mercantile merchandising popular profit-making profitable retail saleable sales supplying trade trading wholesale wholesaling budgetary money capital cash MOGAI account assistance benefit business duty employment maintenance office supply use utility work advantage applicability appropriateness avail check courtesy dispensation employ favor fitness indulgence kindness labor ministration overhaul relevance serviceability servicing usefulness value hindrance hurt loss unemployment disadvantage disfavor inappropriateness damage disservice injury function ceremony observance formality ritual ceremonial liturgy worship sermon action fighting sting combat active duty peace surrender commencement admission alpha birth bow celebration convocation countdown curtain-raiser dawn dawning genesis graduation initiation kickoff onset opener opening outset proem services start starting point tee off stop finish end conclusion completion cessation death ending funeral burial cremation entombment exequies funeration inhumation interment last rites obit obsequies planting requiem sepulture christening baptism sacrament form formula rite service automation machinery computers mechanics mechanization robotics telecommunications applied science electronic components hi tech high tech industrial science scientific know-how scientific knowledge technical knowledge technology MOGAI Technology investment funding money dealing moneylending finance accounts banking business commerce economics financial affairs money money management financial budgeting commercial economic fiscal monetary numbers numeric pecuniary pocket MOGAI Banking bureaucratic civic constitutional economical legislative official civil civilian domestic governmental home interior local municipal national political public rude foreign unkind impolite ill-mannered communal countrywide ethnic federal general government civic imperial inland internal interstate nationwide native politic royal social societal sovereign state sweeping vernacular widespread private MOGAI Political Politicals accustomed broad commonplace familiar generic humdrum natural normal ordinary prevailing public regular routine universal conventional customary everyday extensive habitual inclusive matter-of-course popular prevalent run-of-the-mill typical uneventful usual wide widespread wonted abnormal different eccentric extraordinary individual infrequent irregular particular peculiar private rare specific strange uncommon unknown unusual circumscribed definite exact exceptional limited novel singular unaccepted unique loose ill-defined inaccurate indefinite uncertain vague imprecise not partial not particular not specific undetailed unspecific catholic collective overall diffuse infinite sweeping total blanket across-the-board all-around all-inclusive ample ecumenical encyclopedic endless far-reaching global indiscriminate limitless miscellaneous panoramic ubiquitous unlimited worldwide unconfined comprehending all-embracing taken as a whole partial narrow incomplete confined restricted exclusive accepted chronic common established expected general orthodox set traditional unaccustomed administration president admiral advisers board bureau cabinet chair chairperson chargé d'affaires command commander committee consulate department directors embassy executive executives feds front office governing body headquarters legislature management ministry officers officials powers presidency presidium stewards supervisors top brass upstairs average boilerplate dime a dozen fair fair to middling garden garden-variety intermediate mainstream mediocre medium middle of the road middling moderate nowhere passable plastic run of the mill so-so standard tolerable undistinguished unexceptional outstanding extreme atypical comprehensive copious expansive extended far-flung nonspecific scopic wide-ranging empty small small-minded close-minded broader broadest MOGAI generals General account advice announcement broadcast data disclosure message report rumor statement story word bulletin cable cognizance communication copy description discovery dispatch enlightenment headlines hearsay intelligence itemization knowledge leak narration particularization recital recognition release scandal scoop specification telecast telegram telling tidings communiqué exposé eye-opener front-page news lowdown news flash the goods question silence truth concealment ignorance suppression history admonition advisement advocacy aid bum steer caution charge consultation counsel directions dissuasion encouragement exhortation forewarning guidance help information injunction input instruction judgment lesson news opinion persuasion prescription proposal proposition recommendation steer suggestion teaching telltale tip tip-off two cents' worth view warning word to the wise misinformation deception deceit betrayal opposition discouragement misrepresentation lie falsehood obstruction injury hindrance blockage advertisement briefing broadcasting dissemination divulgence edict exposing exposition expression intimation notice notification prediction promulgation publication publishing recitation reporting revelation secret announcements advertisements advices briefings broadcasts bulletins communications communiqués disclosures divulgences edicts exposings expositions expressions intimations messages narrations notices notifications predictions publications recitations releases reports revelations statements suppressions secrets break calendar flash handout hot wire item list program skinny the dope what's going down what's happening quiet buzz comment cry grapevine rumble scuttlebutt talk whisper conversation converse declaration directive excerpt goods hot story ideas info inside story language missive note pipeline poop prophecy précis publicity speech summary translation utterance work withholding cover MOGAI NEWS News Personal Finance MOGAI intimate particular secret special exclusive privy claimed own peculiar retired secluded common ordinary public unimportant usual general brotherly affectionate altruistic amicable benevolent charitable compassionate comprehending comradely cordial disinterested forgiving fraternal generous humane kindly neighborly personal philanthropic selfless solicitous sympathetic tender understanding unneighborly uncompanionable sisterly cool cold uncompassionate antagonistic unsociable unfriendly hostile characteristic appropriate diagnostic differentiating discriminating discriminative distinctive distinguishing emblematic especial essential fixed idiosyncratic inborn inbred indicative individual individualistic ingrained inherent innate local marked native normal original private proper regular representative singular specific symbolic symptomatic unique uncharacteristic foreign uncommon irregular untypical indefinite atypical eccentric unusual abnormal standard similar direct contiguous firsthand head-on immediate lineal next primary prompt proximate resultant succeeding devious varying interrupted intermittent deviating changing wily indirect dishonest each all any one by one piece by piece respective separate several single various without exception none egotistic affected aloof autocratic boastful boasting bragging conceited egocentric egoistical egomaniacal egotistical haughty inflated inner-directed intrinsic introverted isolated narcissistic obsessive opinionated pompous prideful proud puffed up self-absorbed self-admiring self-centered self-important snobbish stuck-up subjective superior swollen vain vainglorious reserved modest humble unpretentious egotistic\u002Fegoistic stuck on oneself shy unassuming timid submissive MOGAI Personal personals banking business commerce economics investment accounts money financial affairs money management underwrite subsidize support back fund bankroll sponsor promote guarantee float capitalize stake grubstake patronize juice endow bank go for loan shark lay on one pay for pick up the check pick up the tab prime the pump provide funds provide security put up money raise dough take call in hurt discourage reject refuse disapprove abet abide by advocate ally angel assist boost champion countenance encourage endorse favor finance give a boost give a leg up give a lift go to bat for sanction second side with stand behind stick by stick up for sustain uphold go forward advance halt oppose dissuade prevent protest thwart hinder currency bankrolled backed capitalized currencied financed funded grubstaked staked subsidized bread cabbage cash coin dollars dough funds mazuma scratch defray bear the cost chip in cover cost foot the bill pick up the bill settle defrayed bore the cost covered cost footed the bill paid for picked up the bill picked up the check picked up the tab settled took MOGAI Finance finance' financé account amount average count grade mark number rate record result tally addition aggregate outcome reckoning stock sum summary summation tab final count part music transcript composition orchestration charts total grievance grudge invoice bill charge injustice statement injury debt amount due favor add rack up calculate reckon register enumerate chalk up keep tally smooth lose fail mend subtract accomplish get win reach pull off connect notch gain amass prosper secure impress procure thrive attain arrive flourish realize triumph gain advantage hit pay dirt luck out make a killing make an impression make the grade put over take the cake neglect give up leave depart pass miss languish forfeit deface gash cleave indent serrate scratch graze scrape slit slash line gouge groove mill furrow crosshatch fix sew set adapt compose orchestrate arrange disturb disorganize scatter disperse disorder disarrange achieve bring about bring off carry out conclude consummate do a bang-up job do justice do one proud do the trick effect finish fulfill get someplace get there hit make hay make it manage nail it perform produce put it over score sew up take care of abandon stop halt start introduce begin relinquish nullify commence destroy accomplishes achieves arrives attains brings about brings off carries out concludes consummates does does a bang-up job does justice does one proud does the trick effects finishes fulfills gains gets someplace gets there hits makes hay makes it manages nails it performs produces pulls off puts it over racks up reaches realizes scores sews up takes care of wins not finishes gives up abandons leaves stops halts starts introduces begins neglects misses loses fails relinquishes nullifies forfeits commences destroys accomplishing achieving arriving attaining bringing about bringing off carrying out concluding consummating doing doing a bang-up job doing justice doing one proud doing the trick effecting finishing fulfilling gaining getting someplace getting there hitting making hay making it managing nailing it performing producing pulling off putting it over racking up reaching realizing scoring sewing up taking care of winning not finishing giving up abandoning leaving stopping halting starting introducing beginning neglecting missing losing failing relinquishing nullifying forfeiting commencing destroying IOU bad news balance book books check computation cuff grunt inventory ledger report accounts causes grounds interests justifications motives rationales rationalizations reasons regard sakes acquire actualize bring to pass cap carry through close complete deliver discharge dispatch earn earn wings effectuate enact end execute follow through get done negotiate obtain perfect resolve seal see through settle sign solve wind up work out open retain hold yield keep forget bear wonder question spend unseal imprison detain surrender create ignore unsettle Scores MOGAI Score the East Asia MOGAI calm friendly neutral quiet amicable at peace conciliatory diplomatic gentle peace-loving peaceable peacemaking placatory placid serene tranquil untroubled agitated loud accordant agreeing amiable civil clubby concordant cordial courteous cozy empathic good-humored harmonious kind kindly like-minded mellow neighborly pacific peaceful polite regular right nice sociable square shooting sympathetic understanding unrefined rude disagreeable hostile unmannerly uncivil impolite unsociable unfriendly at a standstill bland breathless breezeless bucolic cool halcyon hushed in order inactive low-key mild motionless pastoral quiescent reposeful reposing restful rural slow smooth soothing still stormless undisturbed unruffled waveless windless ruffled roused passionate mad furious wild turbulent violent harsh uncool rough worried excitable angry stormy frenzied fierce nervous excited calmer appeasing assuaging disarming irenic placating propitiative willing refusing stubborn fighting antagonistic affable agreeable benign biddable compassionate considerate cultivated disciplined docile domesticated dove-like easy genial humane laid back lenient manageable meek merciful moderate pleasant pleasing pliable soft softhearted sweet-tempered tame taught temperate tender tractable trained warmhearted low strong sharp troubled crude severe hard mean unhappy putrid odorous uncompassionate healthy callous unkind merciless cruel unfeeling surly hateful irritable complacent nonviolent pacifical pacificatory pacifist pacifistic MOGAI Pacific community land people public region society state citizenry citizens commonwealth constituents homeland inhabitants kingdom polity populace realm soil terrain voters grass roots native land patria sovereign state city metropolis urbanity province woods boondocks wilderness countryside outdoors outback backwoods bush hinterland back country wilds forests woodlands farmland boonies cow country green belt middle of nowhere up country wide open space countries MOGAI Country country boss cooler higher larger largest leading most outstanding preeminent super superlative terrific better bigger greater longer more preponderant weightier unhealthy sicker smaller worse finer in a superior way more advantageously more attractively more competently more completely more effectively more thoroughly preferably to a greater degree above larger than more advanced over superior to surpassing inferior shorter biggest greatest major big chief considerable dominant elder exceeding extensive extreme hefty large large-scale main oversized primary senior sizable superior supreme ultra upper uppermost below short small little secondary humble lesser junior minor lower insignificant inconsiderable unimportant tiny subordinate MOGAI ceramics crockery porcelain pottery service stoneware tableware ware china pots slipware terracotta wares dish bowl casserole ceramic container cup mug pitcher plate platter porringer pot salver saucer tray vessel dishes angels babes bathing beauties beauty queens broads bunnies centerfolds chicks cover girls cupcakes cutie-pies cuties dollfaces dolls dream girls dreamboats foxes glamor girls good-looking womans honeys hot dishes hot numbers peaches pin-ups raving beauties sex bunnies sex kittens sex pots tomatoes crackleware earthenware China MOGAI appear arrive come up crop up develop loom materialize rise show surface turn up dawn derive egress emanate flow gush issue originate proceed spring spurt steam stem transpire become apparent become known become visible come forth come into view come on the scene come to light make appearance spring up abandon decrease disappear drop fall hide leave lessen end finish trickle fade go away emanation arising beginning derivation drainage effluence effluent efflux effusion ejaculation emerging emission escape exhalation exudation flowing issuance issuing leakage oozing origin origination outflow outpour proceeding radiation springing welling taking conclusion outgrowth effect consequence withdrawal termination completion result outcome goal looming appearing approaching imminent impending remote distant later rising advancing ascending going up growing increasing mounting skyrocketing soaring spiraling upsurging MOGAI advertise display retail barter exchange merchandise vend wholesale offer for sale hide buy audience admirers assemblage assembly congregation crowd devotees fans following gallery gathering hearers house listeners market moviegoers onlookers patrons playgoers public showgoers spectators theatergoers turnout viewers witnesses audiences assemblages assemblies congregations crowds followings galleries gatherings houses markets publics turnouts bazaar exposition fete marketplace mart business affairs bargaining buying and selling capital and labor commercialism contracts deal dealings free enterprise game industrialism industry manufacturing merchandising racket sales selling trading traffic transaction undertaking unemployment recreation avocation businesses bags bizes callings careers crafts dodges employments fields functions games lines livelihoods métiers occupations pursuits rackets specialties trades vocations what one is intos works amusements surrenders hobbies recreations avocations pastimes fun entertainments acquire bargain for barter for contract for get get in exchange go shopping invest in obtain pay for procure purchase redeem score secure shop for sign for take yield lose fail sell forfeit misunderstand surrender MOGAI Market advance establish evolve expand flourish grow progress promote age foster maturate mature mellow ripen thrive enroot grow up decline decrease halt lessen retreat retrogress stop stunt cease circumscribe compress confine discontinue end narrow repress perfect strengthen broaden exploit spread refine build up deepen cultivate intensify realize improve extend materialize finish widen magnify augment dilate stretch enrich elaborate enlarge lengthen beautify unfold actualize polish heighten amplify spoil reduce diminish maintain keep shrink lower contract neglect hurt shorten cut curtail condense abridge ignore damage weaken ruin destroy form invest acquire start generate betide breed transpire originate befall ensue break chance result arise follow happen commence break out come about come off pick up stay disagree cause precede produce disclose exhibit disentangle reach unroll unfurl unwind foretell unravel recount explicate uncover state explain account for uncoil untwist confuse twist cover lose fail obscure mystify complicate tangle wind hide conceal aging crumbling declining developing fading getting along getting on maturing senescent stale waning wearing out blossoming bloom budding flourishing flowering thriving withering changing altering alternating changeable dynamic growing inconstant irresolute mobile modifying uncertain unstable unsteady wavering fixed steady sure certain unchanging stable development adding to addition adulthood advancement advancing augmentation augmenting boost buildup chrysalis elaborating enlargement evolution evolvement evolving expansion hike improvement increase increasing making progress maturation maturity ongoing ontogenesis ontogeny perfecting progression reinforcement reinforcing spreading unfolding unraveling upgrowth upping retrogression stagnation withdrawal shrinkage reduction lessening stoppage developments adding tos additions advancements advances advancings augmentations augmentings boosts buildups chrysalises developings elaboratings enlargements evolutions evolvements evolvings expansions flowerings hikes improvements increases increasings making progresses maturings maturities ongoings ontogeneses ontogenies perfectings progressions reinforcements reinforcings ripenings spreadings spreads unfoldings unravelings upgrowths uppings retreats declines withdrawals shrinkages reductions lessenings stoppages halts decreases efflorescence anthesis folding rash redness MOGAI recession abridgement austerity care carefulness caution curtailment cutback decrease deduction direction discretion husbandry layoff meanness miserliness moratorium niggardliness parsimony providence prudence reduction regulation restraint retrenchment rollback shrinkage stinginess supervision thrift thriftiness parcity sparingness addition carelessness disregard enlargement expansion extravagance imprudence increase indiscretion neglect negligence raise spending thoughtlessness squandering east easterly eastward on the east side of eastern gerontogeous oriental Eastern MOGAI Indian Subcontinent MOGAI India MOGAI
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