Begini & Mifos Program
Credit Inclusion program Giving credit where it’s due through modern alternative data and behavioural analytics Mifos and Begini are pleased to launch the Credit Inclusion Program. Lenders are invited to take part in this initiative to advance credit responsibility and community financial health. Criteria Currently lending or looking to launch soon Able to commit […]
Begini & Mifos Webinar
Webinar: Tuesday 16 April1pm UTC Credit where it’s due Credit inclusion through modern alternative data. Attend SPEAKERS Ed Cable CEO, Mifos David Higgins Director of Programs, Mifos James Hume CEO, Begini James Florence CTO, Begini Access to fair financial services means access to opportunity. However, legacy financial services are not meeting the needs of individuals, […]
Empowering Financial Inclusion in Vietnam
The role of next-gen credit models In the bustling streets of Hanoi, where vendors hawk their goods and entrepreneurs dream of scaling their businesses, lies a tale of untapped potential. Vietnam, with its vibrant economy and dynamic population, holds promise for growth and prosperity. Yet, for many, accessing financial services remains a challenge, hindered by […]
9 trends shaping credit assessment this year
1. Inclusion of Diverse Data – there’s no alternative. Spurred by a combination of factors, Lenders are actively looking to include more and different types of data in decisioning processes. In recent years the limits of legacy credit data has been exposed. While exact models vary, legacy bureau credit scores consider the last 5 […]
Aprovechando la IA y el aprendizaje automático para la evaluación del riesgo crediticio: exploración de fuentes de datos alternativas
El acceso a un crédito justo es el acceso a la oportunidad. Los originadores de crédito tienen una enorme responsabilidad a la hora de decidir quién tiene acceso a esa oportunidad. Esta es la razón por la que la evaluación del riesgo crediticio desempeña un papel crucial en la industria financiera, ya que permite a […]
Harnessing AI and Machine Learning for Credit Risk Assessment: Exploring Alternative Data Sources
Access to fair credit is access to opportunity. Lenders hold enormous responsibility for deciding who has access to that opportunity. This is why credit risk assessment plays a crucial role in the financial industry, enabling lenders to evaluate the creditworthiness of borrowers. Traditionally, credit risk assessment relied on historical financial data and credit scores. However, […]
7 conclusiones sobre economía conductual, psicometría y ‘nudging’
Por Rodrigo Rocha La psicología y las ciencias del comportamiento pueden ayudarnos a comprender el papel que desempeñan nuestro carácter y personalidad en nuestros procesos de toma de decisiones, especialmente las elecciones que afectan nuestra vida financiera. Se ha demostrado que comprender la importancia del carácter conduce a mejores resultados en el campo del crédito […]
7 takeaways on Behavioural Economics, Psychometrics and Nudging
Psychology and behavioural sciences can help us understand the role our character and personality play in our decision-making processes, especially the choices that impact our financial lives. Understanding the importance of character has been shown to lead to better outcomes in the field of credit and collection for both consumers and financial services providers.
The 3 C’s of Credit
The three C’s are Character, Capacity and Collateral, and today they remain a widely accepted framework for evaluating creditworthiness, used globally by banks, credit unions and lenders of all types.
Fair credit, from A to Gen Z
This article explores the unique personality characteristics of Generation Z, also known as iGen or Centennials. From their tech-savvy nature to their social inclusivity and purpose-driven mindset, discover what sets this young adult demographic apart from their predecessors.
