Modeling waiting times and the sum of exponential variables.
The Gamma distribution is a versatile, two-parameter continuous probability distribution that is strictly positive. It's often used to model the waiting time until a specified number of events occur.
Think of it this way: if the time until the *next* bus arrives is modeled by an Exponential distribution, then the time until the *third* bus arrives is modeled by a Gamma distribution. In finance, it can be used to model the size of insurance claims, loan defaults, or operational losses, where the values are always positive and often skewed.