Let's begin

Credit where it's due

SaaS technology that provides character-based Credit Scoring Solutions for Banks, Digital Lenders, Neo & Challenger Banks, BNPL and Asset Financing.

Woman using phone

Personality can predict risk

All data is credit data

We provide financial institutions a different way to assess creditworthiness and willingness to repay – by understanding personality & behaviour.

We are making credit assessment fairer, more accessible and more predictive by bringing alternative data into the mainstream.

Actionable insights

As diverse as our data

People are diverse, and credit assessment should consider a diversity of data. 

We look at non-traditional data like smart-phone data and psychometric assessment and analyse it to provide insight around the consumer’s personality, behaviour, community, skills and experience. Information which is highly predictive of creditworthiness and willingness to repay.

iOS data

Android data


Open Banking

Telco data

Mobile Money Data

Alternative data sources

Universal credit assessment tools

Device Data

Anyone who is online or carries a cell phone has a digital footprint which they can use.


The digital era has spawned entirely new forms of understanding people’s behavior


Not sure where to start with alternative data for credit? We can help.

The latest

News & Insights

Follow the latest updates from the Begini team and the world of alternative data for credit scoring. 

Keen to know more about the potential of alternative data?

Drop us a line and we'll be in touch