Begini and Bank of Punjab join forces on SME credit access initiative in Pakistan
Begini and Bank of Punjab join forces on SME credit access initiative in Pakistan London, UK | 1 May 2025 – Begini, a global provider of behavioural and data analytics for financial decisioning, has launched a strategic partnership with the Bank of Punjab (BOP), one of the largest commercial banks in Pakistan, to support the […]
What is Alternative Data and how can it improve credit scoring?
What is Alternative Data and how can it improve credit scoring? For decades, traditional credit scoring models have relied on a narrow set of financial data – primarily past loan repayments, credit card usage, and banking history. But in emerging markets, where millions lack access to formal financial services, these models leave many individuals and […]
From Data to Decisions: Alternative Data Sources supporting SME Lending
From Data to Decisions: Alternative Data Sources supporting SME Lending Small and medium enterprises (SMEs) and microbusinesses are the backbone of many emerging and developing markets, driving job creation and economic growth. Yet, access to affordable credit remains a significant challenge. Traditional credit scoring models, heavily reliant on financial history and collateral, often exclude these […]
The future of lending
The Future of Lending Modern data and behavioural analytics are redefining risk assessment and client management. At its core lending is about trust. Traditionally, lenders have relied on a limited set of data to assess who is and is not creditworthy. This limited data means millions of potential customers have been excluded from access to […]
Embedded Finance in Lending
Emerging research and data collected through psychometric assessments are pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits
Psychometrics: What makes a reliable borrower? Joint Research with Mondato
Emerging research and data collected through psychometric assessments are pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits
7 Fuentes de Datos Modernos para el Análisis del Riesgo de Crédito en Microempresas.
MSMEs face difficulties in obtaining loans from financial institutions that use a conventional approach to creditworthiness, modern data sources can help/
7 Modern Data Sources for Credit Risk Analysis in Micro Businesses
MSMEs face difficulties in obtaining loans from financial institutions that use a conventional approach to creditworthiness, modern data sources can help/
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 […]
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.
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