{"id":2200,"date":"2025-07-30T11:02:43","date_gmt":"2025-07-30T01:02:43","guid":{"rendered":"https:\/\/www.begini.co\/?p=2200"},"modified":"2025-10-21T15:16:21","modified_gmt":"2025-10-21T04:16:21","slug":"how-ai-and-alternative-data-are-transforming-credit-risk-assessment","status":"publish","type":"post","link":"https:\/\/www.begini.co\/es\/how-ai-and-alternative-data-are-transforming-credit-risk-assessment\/","title":{"rendered":"C\u00f3mo la IA y los datos alternativos est\u00e1n transformando la evaluaci\u00f3n del riesgo crediticio"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2200\" class=\"elementor elementor-2200\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0e2649 e-flex e-con-boxed e-con e-parent\" data-id=\"f0e2649\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0a78b51 e-con-full e-flex e-con e-child\" data-id=\"0a78b51\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5334f55 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"5334f55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.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\">C\u00f3mo la IA y los datos alternativos est\u00e1n transformando la evaluaci\u00f3n del riesgo crediticio<\/h1>\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\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aa40524 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aa40524\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-726349c\" data-id=\"726349c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b95c14c elementor-widget elementor-widget-spacer\" data-id=\"b95c14c\" 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-cef805a elementor-widget elementor-widget-text-editor\" data-id=\"cef805a\" 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 data-start=\"866\" data-end=\"1335\">El acceso a un cr\u00e9dito justo empieza por una mejor evaluaci\u00f3n del riesgo<\/h3><p data-start=\"866\" data-end=\"1335\">El acceso a un cr\u00e9dito justo es el acceso a la oportunidad. Y los prestamistas desempe\u00f1an un papel fundamental a la hora de determinar qui\u00e9n tiene esa oportunidad. Los m\u00e9todos tradicionales de calificaci\u00f3n crediticia se han basado durante mucho tiempo en el historial financiero, pero este enfoque excluye a millones de personas que carecen de registros formales. Hoy en d\u00eda, la IA y el aprendizaje autom\u00e1tico, combinados con datos alternativos, permiten evaluar la solvencia de forma m\u00e1s inclusiva y precisa.<\/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-b4c6260 elementor-widget elementor-widget-text-editor\" data-id=\"b4c6260\" 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 data-start=\"1342\" data-end=\"1405\">M\u00e1s all\u00e1 de las puntuaciones de cr\u00e9dito tradicionales: El papel de la IA y el ML<\/h3><p data-start=\"1407\" data-end=\"1680\">Los modelos de IA y ML pueden procesar grandes cantidades de datos estructurados y no estructurados, yendo m\u00e1s all\u00e1 de las m\u00e9tricas tradicionales como los ingresos y el historial de reembolsos. Estas tecnolog\u00edas pueden descubrir patrones ocultos, predecir el riesgo con mayor precisi\u00f3n y adaptarse a medida que se dispone de nuevos datos.<\/p><p data-start=\"1682\" data-end=\"1851\">Al entrenar los modelos con datos de comportamiento y rasgos psicom\u00e9tricos, los prestamistas pueden obtener una visi\u00f3n m\u00e1s profunda de c\u00f3mo alguien podr\u00eda gestionar el cr\u00e9dito, incluso sin un historial crediticio formal.<\/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-14da775 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"14da775\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-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=\"2201\" data-permalink=\"https:\/\/www.begini.co\/es\/how-ai-and-alternative-data-are-transforming-credit-risk-assessment\/machine-learning\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Machine-learning.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;0&quot;}\" data-image-title=\"Machine learning\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Machine-learning.jpg?fit=800%2C534&amp;ssl=1\" width=\"800\" height=\"534\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Machine-learning.jpg?fit=800%2C534&amp;ssl=1\" class=\"attachment-large size-large wp-image-2201\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Machine-learning.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Machine-learning.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Machine-learning.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Machine-learning.jpg?resize=768%2C512&amp;ssl=1 768w\" 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<div class=\"elementor-element elementor-element-f5ee913 elementor-widget elementor-widget-text-editor\" data-id=\"f5ee913\" 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 data-start=\"1858\" data-end=\"1907\">Datos sobre el comportamiento: Ver a la persona en su totalidad<\/h2><p data-start=\"1909\" data-end=\"2006\"><strong data-start=\"1909\" data-end=\"1937\">El comportamiento predice el riesgo.<\/strong> El an\u00e1lisis del comportamiento aprovecha fuentes de datos no tradicionales, como:<\/p><ul><li data-start=\"2010\" data-end=\"2031\">Metadatos del smartphone<\/li><li data-start=\"2034\" data-end=\"2054\">Patrones de uso de las aplicaciones<\/li><li data-start=\"2057\" data-end=\"2083\">Evaluaciones psicom\u00e9tricas<\/li><\/ul><p>Estos datos revelan la personalidad, los h\u00e1bitos, las habilidades y la experiencia del prestatario, rasgos que est\u00e1n estrechamente relacionados con la responsabilidad crediticia. Esto permite evaluar a prestatarios que, de otro modo, permanecer\u00edan invisibles para el sistema tradicional.<\/p><h3 data-start=\"2386\" data-end=\"2448\">\u00a0<\/h3><h3 data-start=\"2386\" data-end=\"2448\">Puntuaci\u00f3n psicom\u00e9trica: Cuantificaci\u00f3n del car\u00e1cter y la intenci\u00f3n<\/h3><p data-start=\"2450\" data-end=\"2500\"><a href=\"https:\/\/www.begini.co\/es\/what-is-a-psychometric-assessment\/\" target=\"_blank\" rel=\"noopener\">Evaluaciones psicom\u00e9tricas<\/a> ayudan a medir rasgos como:<\/p><ul><li data-start=\"2504\" data-end=\"2523\">Conciencia<\/li><li data-start=\"2526\" data-end=\"2542\">Tolerancia al riesgo<\/li><li data-start=\"2545\" data-end=\"2563\">Orientaci\u00f3n temporal<\/li><li data-start=\"2566\" data-end=\"2589\">Estilo de toma de decisiones<\/li><\/ul><p>Estas evaluaciones, combinadas con modelos de IA, ofrecen una forma escalable y \u00e9tica de comprender el comportamiento de los prestatarios, sin depender de identificadores personales.<\/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-6db0bcd elementor-widget elementor-widget-image\" data-id=\"6db0bcd\" 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 decoding=\"async\" data-attachment-id=\"3558\" data-permalink=\"https:\/\/www.begini.co\/es\/psych-radar-chart\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Psych-Radar-Chart.jpg?fit=1920%2C1080&amp;ssl=1\" data-orig-size=\"1920,1080\" 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=\"Psych Radar Chart\" data-image-description=\"&lt;p&gt;A radar chart showing an example of psychometric traits representation. &lt;\/p&gt;\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Psych-Radar-Chart.jpg?fit=800%2C450&amp;ssl=1\" width=\"800\" height=\"450\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Psych-Radar-Chart.jpg?fit=800%2C450&amp;ssl=1\" class=\"attachment-large size-large wp-image-3558\" alt=\"Psychometrics radar chart\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Psych-Radar-Chart.jpg?w=1920&amp;ssl=1 1920w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Psych-Radar-Chart.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Psych-Radar-Chart.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Psych-Radar-Chart.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Psych-Radar-Chart.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Psych-Radar-Chart.jpg?resize=18%2C10&amp;ssl=1 18w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Psych-Radar-Chart.jpg?w=1600&amp;ssl=1 1600w\" 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<div class=\"elementor-element elementor-element-7d7405c elementor-widget elementor-widget-text-editor\" data-id=\"7d7405c\" 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 data-start=\"2755\" data-end=\"2816\">C\u00f3mo la IA integra datos alternativos en los modelos de cr\u00e9dito<\/h3><p data-start=\"2818\" data-end=\"2994\"><strong data-start=\"2818\" data-end=\"2844\">1. Ingenier\u00eda de caracter\u00edsticas<\/strong><br data-start=\"2844\" data-end=\"2847\" \/>Los algoritmos de ML extraen caracter\u00edsticas clave del comportamiento -como la coherencia, la capacidad de respuesta o los h\u00e1bitos digitales- y las asignan a indicadores de solvencia.<\/p><p data-start=\"2996\" data-end=\"3152\"><strong data-start=\"2996\" data-end=\"3023\">2. Modelizaci\u00f3n predictiva<\/strong><br data-start=\"3023\" data-end=\"3026\" \/>Mediante el entrenamiento con datos de comportamiento y reembolsos, los modelos aprenden a reconocer qu\u00e9 patrones se\u00f1alan un comportamiento crediticio bueno o arriesgado.<\/p><p data-start=\"3154\" data-end=\"3320\"><strong data-start=\"3154\" data-end=\"3178\">3. Segmentaci\u00f3n de riesgos<\/strong><br data-start=\"3178\" data-end=\"3181\" \/>Los prestatarios pueden agruparse en niveles de riesgo m\u00e1s precisos, lo que permite a los prestamistas adaptar las condiciones, los tipos y los productos a los perfiles individuales.<\/p><h3>\u00a0<\/h3><h3>Ventajas del an\u00e1lisis del comportamiento en los pr\u00e9stamos<\/h3><p data-start=\"3385\" data-end=\"3536\"><strong data-start=\"3385\" data-end=\"3419\">Mayor precisi\u00f3n predictiva<\/strong><br data-start=\"3419\" data-end=\"3422\" \/>Los modelos de comportamiento basados en IA captan dimensiones que los datos financieros por s\u00ed solos pasan por alto, lo que aumenta la precisi\u00f3n de la suscripci\u00f3n.<\/p><p data-start=\"3538\" data-end=\"3700\"><strong data-start=\"3538\" data-end=\"3584\">Mejor mitigaci\u00f3n del riesgo y detecci\u00f3n del fraude<\/strong><br data-start=\"3584\" data-end=\"3587\" \/>Las anomal\u00edas en el comportamiento pueden detectar incoherencias o fraudes antes de que se produzcan, lo que reduce las p\u00e9rdidas y aumenta la confianza.<\/p><p data-start=\"3702\" data-end=\"3881\"><strong data-start=\"3702\" data-end=\"3744\">Pr\u00e9stamos m\u00e1s inclusivos y personalizados<\/strong><br data-start=\"3744\" data-end=\"3747\" \/>Los prestamistas pueden ofrecer condiciones de cr\u00e9dito m\u00e1s justas y personalizadas a <a href=\"https:\/\/www.begini.co\/es\/what-is-a-thin-file-customer\/\" target=\"_blank\" rel=\"noopener\">prestatarios de perfil bajo y primerizos<\/a>ampliando el acceso sin aumentar el riesgo.<\/p><h3 data-start=\"3888\" data-end=\"3946\">\u00a0<\/h3><h3 data-start=\"3888\" data-end=\"3946\">Privacidad por dise\u00f1o: Uso \u00e9tico de datos alternativos<\/h3><p data-start=\"3948\" data-end=\"4028\">La confianza es fundamental. Cualquier uso de los datos de comportamiento debe seguir normas estrictas:<\/p><ul><li data-start=\"4032\" data-end=\"4064\">Mecanismos de consentimiento transparentes<\/li><li data-start=\"4067\" data-end=\"4102\">Anonimizaci\u00f3n y cifrado de datos<\/li><li data-start=\"4105\" data-end=\"4149\">Cumplimiento del GDPR y de la normativa local<\/li><\/ul><p>La IA \u00e9tica garantiza que la inclusi\u00f3n no se produzca a costa de los derechos o la privacidad del prestatario.<\/p><p data-start=\"4603\" data-end=\"4684\">\u00a0<\/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-5c3d809 elementor-widget elementor-widget-image\" data-id=\"5c3d809\" 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 decoding=\"async\" data-attachment-id=\"3562\" data-permalink=\"https:\/\/www.begini.co\/es\/privacy-by-design\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Privacy-by-Design.jpg?fit=1920%2C1080&amp;ssl=1\" data-orig-size=\"1920,1080\" 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=\"Privacy by Design\" data-image-description=\"&lt;p&gt;A diagram showing how Begini ensures Privacy in credit assessement&lt;\/p&gt;\" data-image-caption=\"&lt;p&gt;Privacy by Design&lt;\/p&gt;\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Privacy-by-Design.jpg?fit=800%2C450&amp;ssl=1\" width=\"800\" height=\"450\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Privacy-by-Design.jpg?fit=800%2C450&amp;ssl=1\" class=\"attachment-large size-large wp-image-3562\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Privacy-by-Design.jpg?w=1920&amp;ssl=1 1920w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Privacy-by-Design.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Privacy-by-Design.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Privacy-by-Design.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Privacy-by-Design.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Privacy-by-Design.jpg?resize=18%2C10&amp;ssl=1 18w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2023\/07\/Privacy-by-Design.jpg?w=1600&amp;ssl=1 1600w\" 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<div class=\"elementor-element elementor-element-938dcb4 elementor-widget elementor-widget-spacer\" data-id=\"938dcb4\" 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-9d743cd elementor-widget elementor-widget-text-editor\" data-id=\"9d743cd\" 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 data-start=\"242\" data-end=\"324\">Estudio de caso: C\u00f3mo Begini ayud\u00f3 a un prestamista PropTech a llegar al cr\u00e9dito invisible<\/h3><p data-start=\"326\" data-end=\"519\">Para ilustrar el poder de la IA y el an\u00e1lisis del comportamiento en acci\u00f3n, consideremos lo siguiente <strong data-start=\"402\" data-end=\"431\">El trabajo de Begini con Duppla<\/strong>una startup PropTech colombiana que ofrece un modelo de alquiler con opci\u00f3n a compra para familias desfavorecidas.<\/p><p data-start=\"521\" data-end=\"846\">Duppla se enfrentaba a un reto com\u00fan: la mayor\u00eda de sus solicitantes carec\u00edan de historiales de cr\u00e9dito tradicionales, lo que hac\u00eda casi imposible evaluar el riesgo mediante m\u00e9todos convencionales. Al integrar las evaluaciones de datos de comportamiento de Begini, Duppla pudo lanzar un modelo de evaluaci\u00f3n crediticia en tan solo un d\u00eda.<\/p><p data-start=\"848\" data-end=\"864\"><strong data-start=\"848\" data-end=\"864\">\u00bfLos resultados?<\/strong><\/p><ul><li data-start=\"867\" data-end=\"928\"><strong data-start=\"867\" data-end=\"874\">93%<\/strong> de los solicitantes completaron la evaluaci\u00f3n psicom\u00e9trica<\/li><li data-start=\"931\" data-end=\"993\">Las decisiones de cr\u00e9dito son m\u00e1s r\u00e1pidas, justas e inclusivas.<\/li><li data-start=\"996\" data-end=\"1074\">Duppla ha obtenido una visi\u00f3n m\u00e1s profunda de sus clientes para apoyar el crecimiento sostenible de su cartera<\/li><\/ul><p data-start=\"1076\" data-end=\"1379\">Lo que hizo que esto tuviera \u00e9xito fue <strong data-start=\"1106\" data-end=\"1145\">Integraci\u00f3n de datos cero de Begini<\/strong> y una recogida de datos \u00e9tica y no intrusiva. En lugar de basarse en el historial financiero, la evaluaci\u00f3n capt\u00f3 rasgos de car\u00e1cter como la fiabilidad, la tolerancia al riesgo y la disciplina financiera. Todos ellos s\u00f3lidos indicadores de solvencia.<\/p><p data-start=\"1381\" data-end=\"1574\">Este caso demuestra c\u00f3mo el an\u00e1lisis del comportamiento puede abrir el acceso al cr\u00e9dito a poblaciones antes invisibles, y c\u00f3mo <strong data-start=\"1503\" data-end=\"1573\">La IA puede ser una fuerza de inclusi\u00f3n financiera si se aplica con responsabilidad<\/strong>.<\/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-b52fd77 elementor-widget elementor-widget-text-editor\" data-id=\"b52fd77\" 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 data-start=\"4247\" data-end=\"4306\">Conclusiones: Construir el futuro del cr\u00e9dito inclusivo<\/h3><p data-start=\"4308\" data-end=\"4601\">La IA y los datos de comportamiento est\u00e1n cambiando la evaluaci\u00f3n del riesgo crediticio. Ayudan a los prestamistas a ver m\u00e1s all\u00e1 del balance. Al aprovechar las fuentes de datos alternativas de forma responsable, las entidades financieras pueden abrir nuevos mercados, mejorar el rendimiento de la cartera y ofrecer resultados m\u00e1s justos a los prestatarios desatendidos.<\/p><p data-start=\"4603\" data-end=\"4684\">El futuro del cr\u00e9dito es integrador, adaptable y basado en la inteligencia \u00e9tica.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ab5f5db elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"ab5f5db\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ffffcee\" data-id=\"ffffcee\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e02af75 elementor-widget elementor-widget-heading\" data-id=\"e02af75\" 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\">\u00bfQuiere ver c\u00f3mo el an\u00e1lisis del comportamiento puede desbloquear nuevas oportunidades de pr\u00e9stamo?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa29434 elementor-widget elementor-widget-text-editor\" data-id=\"fa29434\" 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>Pruebe nuestra plataforma de evaluaci\u00f3n crediticia en tiempo real: no se requieren datos personales.<br \/>Empiece con una prueba gratuita. D\u00e9janos tus datos y nos pondremos en contacto contigo.<\/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-1ac13f5 elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"1ac13f5\" 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-md\" href=\"https:\/\/www.begini.co\/es\/try\/\">\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\">Prueba hoy<\/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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-34def6a\" data-id=\"34def6a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d782a4 elementor-widget elementor-widget-spacer\" data-id=\"1d782a4\" 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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1e82fe2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e82fe2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-61b59a8\" data-id=\"61b59a8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e3b25b3 elementor-widget elementor-widget-heading\" data-id=\"e3b25b3\" 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\">Comparte:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-09236f1\" data-id=\"09236f1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df635a6 elementor-share-buttons--view-icon elementor-share-buttons--skin-framed elementor-share-buttons--shape-circle elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"df635a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e426734 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e426734\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d02b84\" data-id=\"7d02b84\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-094adb6 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"094adb6\" 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-2b9f6bf elementor-widget elementor-widget-text-editor\" data-id=\"2b9f6bf\" 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>M\u00e1s informaci\u00f3n en nuestro blog<\/h3>\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-87e9987 elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"87e9987\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3952 post type-post status-publish format-standard has-post-thumbnail hentry category-alternative-data category-credit-scores category-financial-inclusion tag-credit-inclusion tag-credit-score tag-latam tag-msme tag-psychometrics tag-sme tag-unbanked\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.begini.co\/es\/beyond-the-credit-bureau\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"3953\" data-permalink=\"https:\/\/www.begini.co\/es\/beyond-the-credit-bureau\/beyond-the-bureau\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?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=\"Beyond the Bureau\" data-image-description=\"&lt;p&gt;Two young latin american women shopping.&lt;\/p&gt;\" data-image-caption=\"&lt;p&gt;Alternative credit scoring in LATAM&lt;\/p&gt;\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?fit=800%2C534&amp;ssl=1\" width=\"150\" height=\"150\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?resize=150%2C150&amp;ssl=1\" class=\"attachment-thumbnail size-thumbnail wp-image-3953\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?zoom=2&amp;resize=150%2C150&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?zoom=3&amp;resize=150%2C150&amp;ssl=1 450w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Datos alternativos<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.begini.co\/es\/beyond-the-credit-bureau\/\" >\n\t\t\t\tM\u00e1s all\u00e1 de la oficina de cr\u00e9dito\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.begini.co\/es\/beyond-the-credit-bureau\/\" aria-label=\"M\u00e1s informaci\u00f3n sobre Beyond the Credit Bureau\" tabindex=\"-1\" >\n\t\t\tLeer M\u00e1s \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3839 post type-post status-publish format-standard has-post-thumbnail hentry category-alternative-data category-company-news category-credit-scores category-financial-inclusion tag-credit-inclusion tag-credit-score tag-msme tag-psychometrics tag-sme tag-unbanked\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.begini.co\/es\/why-credit-history-alone-fails\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"3857\" data-permalink=\"https:\/\/www.begini.co\/es\/why-credit-history-alone-fails\/ecuador\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?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=\"Ecuador\" data-image-description=\"&lt;p&gt;expanding credit access in informal economies with behavioural analytics&lt;\/p&gt;\" data-image-caption=\"&lt;p&gt;expanding credit access in informal economies with behavioural analytics&lt;\/p&gt;\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?fit=800%2C534&amp;ssl=1\" width=\"150\" height=\"150\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?resize=150%2C150&amp;ssl=1\" class=\"attachment-thumbnail size-thumbnail wp-image-3857\" alt=\"informal marketplace in latin america\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?zoom=2&amp;resize=150%2C150&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?zoom=3&amp;resize=150%2C150&amp;ssl=1 450w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Datos alternativos<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.begini.co\/es\/why-credit-history-alone-fails\/\" >\n\t\t\t\tPor qu\u00e9 el historial crediticio por s\u00ed solo fracasa en econom\u00edas informales\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.begini.co\/es\/why-credit-history-alone-fails\/\" aria-label=\"M\u00e1s informaci\u00f3n sobre Por qu\u00e9 el historial crediticio fracasa por s\u00ed solo en las econom\u00edas informales\" tabindex=\"-1\" >\n\t\t\tLeer M\u00e1s \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3734 post type-post status-publish format-standard has-post-thumbnail hentry category-alternative-data category-company-news category-credit-scores category-financial-inclusion tag-credit-inclusion tag-credit-score tag-msme tag-psychometrics tag-sme tag-unbanked\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.begini.co\/es\/finalco-adopts-beginis-behavioural-insights\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"3743\" data-permalink=\"https:\/\/www.begini.co\/es\/finalco-adopts-beginis-behavioural-insights\/finalco-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.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=\"Finalco\" data-image-description=\"&lt;p&gt;Financial inclusion in Colombia&lt;\/p&gt;\" data-image-caption=\"&lt;p&gt;Financial inclusion in Colombia&lt;\/p&gt;\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?fit=800%2C534&amp;ssl=1\" width=\"150\" height=\"150\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?resize=150%2C150&amp;ssl=1\" class=\"attachment-thumbnail size-thumbnail wp-image-3743\" alt=\"Begini&#039;s AI-powered financial inclusion tools launched in Colombia\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?zoom=2&amp;resize=150%2C150&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?zoom=3&amp;resize=150%2C150&amp;ssl=1 450w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Datos alternativos<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.begini.co\/es\/finalco-adopts-beginis-behavioural-insights\/\" >\n\t\t\t\tFinalco y Begini ampl\u00edan el cr\u00e9dito justo en Colombia\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.begini.co\/es\/finalco-adopts-beginis-behavioural-insights\/\" aria-label=\"M\u00e1s informaci\u00f3n sobre Finalco y Begini ampl\u00edan el cr\u00e9dito justo en Colombia\" tabindex=\"-1\" >\n\t\t\tLeer M\u00e1s \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\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-0bbef74 elementor-widget elementor-widget-spacer\" data-id=\"0bbef74\" 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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Descubra c\u00f3mo la IA, el aprendizaje autom\u00e1tico y el an\u00e1lisis del comportamiento est\u00e1n remodelando la evaluaci\u00f3n del riesgo crediticio aprovechando fuentes de datos alternativas como la psicometr\u00eda y los metadatos de los smartphones.<\/p>","protected":false},"author":209526199,"featured_media":2201,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","content-type":"","footnotes":""},"categories":[1364],"tags":[],"class_list":["post-2200","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-alternative-data"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How AI and Alternative Data are Transforming Credit Risk Assessment - Begini<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.begini.co\/es\/how-ai-and-alternative-data-are-transforming-credit-risk-assessment\/\" 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