Emerging and informal economies operate upon well-established community and society networks of trust and reputation. The ability to capture these relationships and apply analysis upon the result leverage this behaviour into measurable and actionable determination guidance. DDFinance has innovated Collective-Based-Insurance, a methodology in which valuable trust data is harvested directly from a person‘s/policy holder’s social network through product interactions. This  leverages a close-to-complete digital demand-side approach to insurance and produces decision results that are explicable, reproducible, and defensible. If adopted across the industry, Collective-Based-Insurance could be the trend that finally will make health and life insurance available also for the vast majority-populations in emerging economies.