About Us

Why we created Begini

Access to credit is access to opportunity

Traditionally credit assessment has only taken into account a limited amount of data. This excludes many people, forcing some people to utilise costly and even unsafe methods for borrowing funds.

Begini was founded on the idea of broadening credit access by enabling people to be assessed, not just on a few points of data from their financial past, but on their character. We use advanced data science to assess personality traits associated with an individual’s willingness to repay. Character has been shown to be a resilient and reliable indicator of someone’s likelihood to default.

We believe in giving credit where it’s due. Our assessments can collect or create data, which informs our models, producing insights which are used to give safe credit to more people.

Our team believes there is a fairer way to give access to credit, we are looking for organisations and individuals who share our mission.

The Begini difference

What makes us the right choice

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

Our team

The Begini team is a rare combination of industry expertise, market knowledge, and relentless drive to do better. We have been at the helm of various financial technology companies for the last 20 years. We have a track record of delivering results for our clients.

A Platform Fit For Purpose

We believe that a technology solution should be simple, intuitive and slot seamlessly into your business. That is why we offer a simple yet powerful SaaS solution to enrich decisioning and customer intelligence. Our platform is proprietary, in-market and purpose-built on the latest micro-services architecture.

Diverse data capabilities​

We help our customers realise the power of data. We are a data science company at heart, we have a team of expert Data Scientists that work with our clients to provide insight, guidance and advisory services, ensuring you get the most out of your data. In this way your team can draw on our specific expertise when required.

Our technology has the capability to handle multiple data sources, ranging from first-party created character data via psychometrics and device data to third-party data including open banking, telco data or mobile money.

Lending matters

More approvals, better performing risk, efficiency, portfolio management. We know what matters to lenders.

Alternative data offers lending teams the opportunity to build a more complete picture of their customer by considering behaviour and character. Through understanding who you lend to, you can reach more good borrowers, offer the right loan product with a lower risk and fuel company growth.

Meet our team

Team Begini

James Hume


James Florence


Alison Cheek

VP Marketing & Comms

Xulin Chen

Head of Data Science

Rodrigo Rocha

Commercial Head - LATAM

Mawi Alvarez

Head of Product

Data for good

Social Responsibility

Access to credit is access to opportunity.

Traditionally credit assessment excludes many people, forcing some to utilise costly and even unsafe methods for borrowing funds.

Begini was founded on the idea of broadening credit access by enabling people to be assessed on their character.

We work with lenders across the global to support their social responsibility and ESG objectives.

Our work aligns with several of the UN SDG’s


Keen to know more about the potential of alternative data?

Drop us a line and we'll be in touch