{"id":3963,"date":"2026-03-25T20:11:58","date_gmt":"2026-03-25T09:11:58","guid":{"rendered":"https:\/\/www.begini.co\/?page_id=3963"},"modified":"2026-03-31T15:37:33","modified_gmt":"2026-03-31T04:37:33","slug":"calculator","status":"publish","type":"page","link":"https:\/\/www.begini.co\/es\/resources\/calculator\/","title":{"rendered":"Calculadora"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3963\" class=\"elementor elementor-3963\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eaf50d0 e-flex e-con-boxed e-con e-parent\" data-id=\"eaf50d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6eb858a elementor-widget elementor-widget-spacer\" data-id=\"6eb858a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4674fcc elementor-widget elementor-widget-heading\" data-id=\"4674fcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Calculadora de Mejora del Riesgo Crediticio<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eef1d9a elementor-widget elementor-widget-text-editor\" data-id=\"eef1d9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Estima tu mejora de aprobaci\u00f3n \u2014 sin aumentar el riesgo<\/h2><p>Comprenda c\u00f3mo los datos conductuales y alternativos pueden ayudarle a aprobar m\u00e1s solicitantes, mantener la calidad de su cartera y aumentar los ingresos por pr\u00e9stamos utilizando nuestra calculadora de mejora del riesgo crediticio.<\/p><p>En menos de dos minutos, elabore una estimaci\u00f3n basada en datos de c\u00f3mo podr\u00eda desempe\u00f1arse su cartera de cr\u00e9dito con conocimientos de riesgo mejorados.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bed7de elementor-widget elementor-widget-text-editor\" data-id=\"4bed7de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Usando la calculadora<\/h3><p>Esta herramienta te ayuda a estimar el impacto potencial de integrar datos conductuales y alternativos en la toma de tus decisiones crediticias.<\/p><p>Ver\u00e1s:<\/p><ul><li>Aumento en las tasas de aprobaci\u00f3n<\/li><li>Cambio esperado en las tasas de incumplimiento<\/li><li>Volumen de pr\u00e9stamos adicional<\/li><li>Aumento estimado de los ingresos<\/li><\/ul><p>Todo basado en pruebas de rendimiento del mundo real.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70d6e92 e-flex e-con-boxed e-con e-parent\" data-id=\"70d6e92\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42e8c83 elementor-widget elementor-widget-html\" data-id=\"42e8c83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe \n  src=\"https:\/\/www.begini.co\/i-frame-1\/\" \n  width=\"100%\" \n  height=\"1200\" \n  scrolling=\"no\" \n  style=\"border:none; width:100%; display:block;\">\n<\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57ac01a e-flex e-con-boxed e-con e-parent\" data-id=\"57ac01a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bf6765 elementor-widget elementor-widget-spacer\" data-id=\"0bf6765\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14a76bd3 e-flex e-con-boxed e-con e-parent\" data-id=\"14a76bd3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3de1dd5d e-con-full e-flex e-con e-child\" data-id=\"3de1dd5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5811ef68 elementor-widget elementor-widget-heading\" data-id=\"5811ef68\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu\u00e9 significa esto para su negocio<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a588bee elementor-widget elementor-widget-text-editor\" data-id=\"a588bee\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Al integrar datos conductuales y alternativos en tu toma de decisiones, puedes:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b171bee e-con-full e-flex e-con e-child\" data-id=\"1b171bee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2112c686 elementor-widget elementor-widget-icon-box\" data-id=\"2112c686\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tExpanda su mercado accesible\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAprobar solicitantes que actualmente est\u00e1n excluidos por historial crediticio limitado o nulo\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e8a6a94 elementor-widget elementor-widget-icon-box\" data-id=\"3e8a6a94\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMantener el control del riesgo\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIdentificar prestatarios de menor riesgo dentro de segmentos con historiales crediticios delgados o desatendidos\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-335227e9 e-con-full e-flex e-con e-child\" data-id=\"335227e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56593197 elementor-widget elementor-widget-icon-box\" data-id=\"56593197\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tOptimizar el rendimiento de la cartera\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tReemplazar a los solicitantes rechazados de alto riesgo con prestatarios mejor calificados\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5eeea535 elementor-widget elementor-widget-icon-box\" data-id=\"5eeea535\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAumentar los ingresos sin aumentar las p\u00e9rdidas\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAumentar el volumen de pr\u00e9stamos manteniendo tasas de incumplimiento estables\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c71d2b5 e-flex e-con-boxed e-con e-parent\" data-id=\"1c71d2b5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6e73eadd e-con-full e-flex e-con e-child\" data-id=\"6e73eadd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b473b98 elementor-widget elementor-widget-heading\" data-id=\"2b473b98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Valida esto con tus propios datos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56014d9b elementor-widget elementor-widget-text-editor\" data-id=\"56014d9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mira c\u00f3mo esto se aplica a tu portafolio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b70b61 elementor-align-left elementor-mobile-align-center elementor-tablet-align-center elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"8b70b61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.begini.co\/es\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">P\u00f3ngase en contacto con nosotros<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-199bdc27 elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-image\" data-id=\"199bdc27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" data-attachment-id=\"3263\" data-permalink=\"https:\/\/www.begini.co\/es\/what-is-alternative-data-and-how-can-it-improve-credit-scoring\/alternative-data-credit\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/03\/Alternative-Data-Credit.jpg?fit=1200%2C800&amp;ssl=1\" data-orig-size=\"1200,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"Alternative Data Credit\" data-image-description=\"&lt;p&gt;woman using her cell phone&lt;\/p&gt;\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/03\/Alternative-Data-Credit.jpg?fit=800%2C534&amp;ssl=1\" width=\"800\" height=\"534\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/03\/Alternative-Data-Credit.jpg?fit=800%2C534&amp;ssl=1\" class=\"attachment-large size-large wp-image-3263\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/03\/Alternative-Data-Credit.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/03\/Alternative-Data-Credit.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/03\/Alternative-Data-Credit.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/03\/Alternative-Data-Credit.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/03\/Alternative-Data-Credit.jpg?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Credit Risk Uplift Calculator Estimate your approval uplift \u2014 without increasing risk Understand how behavioural and alternative data can help you approve more applicants, maintain portfolio quality, and grow lending revenue using our credit risk uplift calculator. In under two minutes, build a data-backed estimate of how your credit portfolio could perform with enhanced risk [&hellip;]<\/p>\n","protected":false},"author":209526199,"featured_media":0,"parent":353,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","content-type":"","footnotes":""},"class_list":["post-3963","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Calculator - Begini<\/title>\n<meta name=\"description\" content=\"Estimate how much you could increase approvals without increasing risk. 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