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
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
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 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.
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.
Predictive credit insights with zero personal data. Credit scores are changing, considering more diverse data than ever before. But while more data can be considered,
The ways of working out who to trust in the world of credit have changed with over the years. Let’s look at the history of credit scores.
The Global Findex report from the World Bank shows account ownership is increasing but credit inclusion remains a challenge.
¿Cómo se pueden aprovechar los principios de la personalidad y de la economía conductual en el mundo de la evaluación del riesgo de crédito? Ese
UK regulator, the FCA (Financial Conduct Authority) has this month written directly to more than 3,500 lenders in the UK to “remind them of the
In a data-rich world, it is increasingly important to know how to select the best data source for each process. What is the difference between
And how can it help your credit score? If we want to measure temperature, we use a thermometer. But how can we measure variables like
1. Inclusion of Alternative Data Spurred by a combination of factors, Lenders are actively looking to include more and different types of data in decisioning
Africa is one of the most diverse continents in the world. Home to more than a billion people and making up the largest free trade
We’re pleased to be recognised as a finalist in Finnovating’s Most Sustainable Startup Awards. Sustainability is central to our mission at Begini. We believe in
Getting to know the ‘missing middle’? ?Micro, small and medium enterprises (MSMEs) are the lifeblood of economic growth; however, they need investment to thrive, and
“People don’t change!” It’s a common expression, but is it true? Can our personalities change over time? How much? When we talk about personality, we
Latin America and the Caribbean is a region of diversity and contrast. While it is home to hubs of innovation and technology, challenges to financial
The financial systems, and the world of credit, have long been ruled by processes that entrench inequality. Financial inclusion is stifled by the fact that
Access to credit is access to opportunity. For too long there has been a lack of access to both for millions of people. The traditional
The future of finance is open Begini has been accepted to take part in the Global Open Finance Challenge. This initiative is being driven by
Lenders have traditionally relied upon a limited set of data to make lending decisions. Typically a credit file contains information relating to a person’s financial
SaaS technology that provide character-based credit scores for Banks, Micro Finance, Digital Lenders, Neo Banks, BNPL and Asset Financing.
