Duppla Drives Financial Inclusion in Colombia with Begini’s Behavioural Data Technology

Duppla, a leading Colombian PropTech startup on a mission to unlock homeownership for underserved families, has successfully deployed Begini’s behavioural data technology to accelerate its inclusive rent-to-own model. By integrating Begini’s platform, Duppla has enhanced credit assessment processes, expanded access to its innovative housing solution, and gained strategic insights to support sustainable portfolio growth. 

Facing the challenge of serving credit-invisible consumers typically excluded by traditional financial institutions, Duppla turned to Begini, a behavioural data platform that enables ethical and predictive decision-making for thin-file customers. With Begini’s solution, Duppla achieved same-day integration and was able to launch psychometric credit evaluations with minimal technical lift—demonstrating the agility and scalability of both the platform and the partnership. 

Since launch, Duppla has seen remarkable adoption: 93% of applicants have completed the assessment process, validating the user-centric design and intuitive interface of Begini’s solution. Initially introduced as a complementary input, Begini’s psychometric score has now become a core component of Duppla’s credit policy. 

“The psychometric score is critical in our customer acceptance policy,” said Nicolás Ayala, at Duppla. “Begini enables us to analyze risk in ways traditional systems cannot, which helps us extend access while maintaining portfolio quality.” 

Beyond credit scoring, Duppla has fully embraced the broader potential of character-based insights. Personality traits such as conscientiousness, honesty, and moderation—delivered as part of Begini’s evaluations—are now being analyzed to improve customer lifecycle value, including the likelihood of property maintenance and long-term engagement. 

This partnership has also reshaped internal alignment. The sales team, initially uncertain about user receptiveness, now promotes the psychometric evaluation as a gateway to benefits and tailored offers. Internally, commercial staff have also seen value: by leveraging Begini’s risk tools, they can approve more applicants responsibly, aligning incentives across customer acquisition and portfolio growth. 

Importantly, Begini’s solution has become a strategic asset in attracting and reassuring investors. By strengthening risk controls and demonstrating scientific, data-driven underwriting, Duppla has enhanced transparency and trust—key factors for those financing their housing assets. Investors, particularly attentive to how risk is managed in underserved segments, now see Duppla as a more attractive and professional investment opportunity. 

“One of the top questions we get from stakeholders is how we manage risk given our customer segment,” said Ayala. “Begini has allowed us to present a robust, innovative process that sets us apart and builds real confidence in our growth model.” 

Looking ahead, Duppla plans to leverage Begini’s insights to improve prospecting, enrich CRM data, and deepen post-sale engagement—critical in a model where relationships extend well beyond the initial property handover. 

“This is the kind of partnership that validates both our vision and our execution,” said James Hume, CEO at Begini. “We’re not just improving credit scoring; we’re reshaping how financial institutions think about inclusion and risk in emerging economies.” 

As Begini continues to scale across Latin America and beyond, the Duppla experience underscores its ability to deliver rapid, responsible, and revenue-aligned outcomes for Banks, Micro Finance, Digital Lenders, Neo Banks, BNPL and Asset Financing lenders ready to embrace the next frontier of inclusive finance.