Make better lending decisions with behavioural insight

We’re obsessed with inclusion. Our goal has always been to make society more equitable by providing access to credit to those who need it most. By integrating Begini’s technology, we can make more assertive, faster, and fairer decisions that reach more people, while maintaining a healthy portfolio, as well as the trust and accountability our customers deserve.

“In light of Government of the Punjab’s topmost priority in generating economic activity through encouraging small-scale businesses, this is a game changer program by BOP under the strengthened focus of the State Bank of Pakistan on expanding SME financing. The use of Begini’s online behavioural assessment tool adds real value—allowing seamless, low-documentation evaluations that make the program both scalable and accessible for underserved small businesses.”

“[Alternative Data] its going to be the main source [of data] for us now. I have worked in banks, and… when you see the whole [traditional] credit transaction layer, it doesn’t make sense for these communities. The whole history behind a good [credit] score [is] not aligned. But with this alternative data, you see the real behavior of people.”

“The psychometric score is critical in our customer acceptance policy. Begini enables us to analyze risk in ways traditional systems cannot, which helps us extend access while maintaining portfolio quality. Begini has allowed us to present a robust, innovative process that sets us apart and builds real confidence in our growth model.”

"We were looking for a solution that allowed us to assess more people without increasing risk. Alternative data allowed us to extend credit opportunities to more customers. Begini offered us a flexible and intuitive solution. We are pleased with the results so far and look forward to a continued partnership."​