{"id":2823,"date":"2024-06-18T16:42:25","date_gmt":"2024-06-18T06:42:25","guid":{"rendered":"https:\/\/www.begini.co\/?p=2823"},"modified":"2025-10-21T15:27:12","modified_gmt":"2025-10-21T04:27:12","slug":"7-fuentes-de-datos-modernos-para-el-analisis-del-riesgo-de-credito-en-microempresas","status":"publish","type":"post","link":"https:\/\/www.begini.co\/es\/7-fuentes-de-datos-modernos-para-el-analisis-del-riesgo-de-credito-en-microempresas\/","title":{"rendered":"7 Fuentes de Datos Modernos para el An\u00e1lisis del Riesgo de Cr\u00e9dito en Microempresas."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2823\" class=\"elementor elementor-2823\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e7a54e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e7a54e8\" 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-top-column elementor-element elementor-element-7c21fcfe\" data-id=\"7c21fcfe\" 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-b7b24a1 elementor-widget elementor-widget-heading\" data-id=\"b7b24a1\" 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\">7 Fuentes de Datos Modernos para el An\u00e1lisis del Riesgo de Cr\u00e9dito en Microempresas.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ad56c6b elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"5ad56c6b\" 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=\"2621\" data-permalink=\"https:\/\/www.begini.co\/es\/modern-credit-data-for-msmes\/msmes\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.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=\"MSMEs\" data-image-description=\"&lt;p&gt;Small business owner&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Small business owner&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?fit=800%2C534&amp;ssl=1\" width=\"1200\" height=\"800\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?fit=1200%2C800&amp;ssl=1\" class=\"attachment-full size-full wp-image-2621\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?resize=768%2C512&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-attachment-id=\"2621\" data-permalink=\"https:\/\/www.begini.co\/es\/modern-credit-data-for-msmes\/msmes\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.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=\"MSMEs\" data-image-description=\"&lt;p&gt;Small business owner&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Small business owner&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?fit=800%2C534&amp;ssl=1\" \/>\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-d79d8fb elementor-widget elementor-widget-text-editor\" data-id=\"d79d8fb\" 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>La evaluaci\u00f3n crediticia \u2018legacy\u2019 no funciona para muchas MiPymes. Como columna vertebral de las sociedades en todas partes, contribuyen a las econom\u00edas locales y nacionales y al sostenimiento de los medios de vida, las MiPymes representan el 90% de los negocios, entre el 60 y el 70% del empleo y el 50% del PIB en todo el mundo.<\/p><p>A pesar de ello, las MiPymes y econom\u00edas populares comunitarias, enfrentan dificultades para obtener pr\u00e9stamos de instituciones financieras que utilizan un enfoque convencional para evaluar la calidad crediticia. Estas dificultades incluyen la falta de datos financieros y operativos, las lagunas regulatorias y la ineficacia de las capacidades de gesti\u00f3n de riesgos de la instituci\u00f3n financiera. Adem\u00e1s, la evaluaci\u00f3n crediticia convencional tambi\u00e9n se considera ineficiente y costosa para el procesamiento de pr\u00e9stamos, especialmente cuando se trata de pr\u00e9stamos de bajo valor.<\/p><p>Para abordar estos problemas, se pueden utilizar varios tipos de informaci\u00f3n de proveedores de datos externos, conocidos como &#8220;datos alternativos&#8221; o &#8220;datos modernos&#8221;, para determinar la solvencia financiera, la voluntad de pago y la calidad crediticia de las unidades productivas.<\/p><p>Estos datos proporcionan informaci\u00f3n adicional que permite tener una visi\u00f3n hol\u00edstica del solicitante para la decisi\u00f3n de otorgar un pr\u00e9stamo. Existen varias formas de implementar los datos modernos, y los casos de uso dependen fundamentalmente de los objetivos de la instituci\u00f3n financiera. Por ejemplo, ciertos originadores de cr\u00e9dito pueden querer:<\/p><ul><li>aumentar los niveles de aprobaci\u00f3n,<\/li><li>mejorar el poder predictivo de los modelos crediticios actuales,<\/li><li>\u00abenriquecer\u00bb los datos para reforzar el an\u00e1lisis,<\/li><li>mejorar el tiempo de respuesta en el proceso de cr\u00e9dito, o<\/li><li>incrementar la rentabilidad de la evaluaci\u00f3n mediante el uso de fuentes que cubran mejor el segmento de mercado.<\/li><\/ul><p>\u00a0<\/p><p>La variedad de conjuntos de datos modernos en el mercado cambia constantemente, lo que dificulta su an\u00e1lisis y selecci\u00f3n de los que son realmente \u00fatiles. Cuatro criterios \u00fatiles para determinar el valor de las fuentes de datos son:<\/p><ol><li>\u00a0disponibilidad,<\/li><li>cobertura<\/li><li>especificidad, y<\/li><li>ortogonalidad (o correlaci\u00f3n con las fuentes de datos existentes).<\/li><\/ol><p>\u00a0<\/p><p>En este art\u00edculo, veremos brevemente 7 fuentes de datos modernos, describiremos c\u00f3mo se aplican al an\u00e1lisis crediticio en las MiPymes y unidades de la econom\u00eda popular comunitaria as\u00ed como qu\u00e9 ventajas y desventajas podr\u00edan ofrecer teniendo en cuenta los cuatro criterios mencionados anteriormente.<\/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-03af153 elementor-widget elementor-widget-text-editor\" data-id=\"03af153\" 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>Datos de redes sociales<\/h2><p>Las redes sociales son populares entre las pymes como herramientas para presentarse al p\u00fablico y adquirir nuevos clientes.<br \/>Plataformas como LinkedIn y Facebook recopilan perfiles de unidades productivas y reportan informaci\u00f3n sobre sus negocios, sus iniciativas m\u00e1s recientes, as\u00ed como sus interacciones con clientes. Estos datos se utilizan para generar modelos que estiman el valor de una empresa principalmente.<\/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-f088518 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f088518\" 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-e1dd8b1\" data-id=\"e1dd8b1\" 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-ec7704f elementor-widget elementor-widget-text-editor\" data-id=\"ec7704f\" 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><strong>Ventajas<\/strong><\/p><p>Ofrecen un alto volumen de informaci\u00f3n debido a los vastos puntos de datos resultantes de la actividad en las cuentas.<\/p><p>Algunos casos de \u00e9xito en pr\u00e9stamos al consumo como el de Vkontakte para la calificaci\u00f3n crediticia, mejorando la predicci\u00f3n de repago en un 18%.<\/p><p>Se pueden utilizar como proxy para identificar la capacidad de pago mediante la inferencia de comportamientos de compra y consumo.<\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e179671\" data-id=\"e179671\" 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-d2ba0c2 elementor-widget elementor-widget-text-editor\" data-id=\"d2ba0c2\" 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><strong>Desventajas<\/strong><\/p><p>Las barreras tecnol\u00f3gicas y de cumplimiento normativo pueden dificultar el acceso a estos datos.<\/p><p>No hay casos de uso en pr\u00e9stamos para microempresas, por lo que no hay registros sobre las mejores pr\u00e1cticas ni est\u00e1ndares. <\/p><p>El uso de los datos sociales podr\u00eda estar fragmentado y, a menudo, requerir\u00eda modelos complejos y, eventualmente, con diferentes proveedores.<\/p><p>Hechos como los ocurridos en el caso Cambridge Analytica ; Considerando que, como resultado de este esc\u00e1ndalo, se produjeron multas y cambios normativos en el uso de los datos de la red social, lo que disminuy\u00f3 significativamente la funcionalidad, el poder predictivo y, en general, la disminuci\u00f3n de la relevancia para los casos de uso de la evaluaci\u00f3n crediticia.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-d59da10 elementor-widget elementor-widget-text-editor\" data-id=\"d59da10\" 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>Datos psicom\u00e9tricos<\/h2><p>Se basa en el hecho de que las personas tienen una disposici\u00f3n de personalidad duradera que predice en parte lo que har\u00e1n y existe una ciencia detr\u00e1s de la personalidad en cuanto a c\u00f3mo se mide la personalidad y qu\u00e9 puede predecir (Nettle, 2020).<\/p><p>En el contexto de la evaluaci\u00f3n crediticia, se pueden utilizar pruebas o evaluaciones psicom\u00e9tricas para comprender la voluntad y la capacidad de pago de una persona. El enfoque en la disposici\u00f3n a pagar permite determinar si el solicitante tiene la propensi\u00f3n a honrar sus deudas.<\/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-10a8765 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"10a8765\" 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-6d4078b\" data-id=\"6d4078b\" 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-e982e32 elementor-widget elementor-widget-text-editor\" data-id=\"e982e32\" 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><span style=\"font-weight: bolder;\">Ventajas<\/span><\/p><p>Es la fuente que tiene mayor cobertura, esto se debe a que todas las personas tienen una personalidad que puede ser evaluada (Ortiga, 2020).<\/p><p>Existen casos de \u00e9xito en cr\u00e9ditos a personas naturales y Mipymes sin historial crediticio y sector informal (Mondato, 2023)<\/p><p>La viabilidad se demostr\u00f3 con un mayor poder predictivo (Arr\u00e1iz, Bruhn, Ruiz y Stucchi, 2018)<\/p><p>La evaluaci\u00f3n se puede aplicar directamente al solicitante para garantizar datos espec\u00edficos de la persona.<\/p><p>Es la \u00fanica fuente que contribuye al an\u00e1lisis de la voluntad de pago.<\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-011ec90\" data-id=\"011ec90\" 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-1a88dfe elementor-widget elementor-widget-text-editor\" data-id=\"1a88dfe\" 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><span style=\"font-size: 1rem;\" data-contrast=\"auto\"><strong style=\"font-size: 1rem;\">Desventajas<\/strong><\/span><\/p><p>Los datos recopilados son \u00fanicos y dependen de las capacidades y la experiencia de cada proveedor.<\/p><p>Puede haber fricci\u00f3n en el proceso si la evaluaci\u00f3n es desagradable o demasiado larga.<\/p><p>Esta fuente no proporciona informaci\u00f3n financiera para el an\u00e1lisis de la capacidad de pago.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8b9aca elementor-widget elementor-widget-text-editor\" data-id=\"f8b9aca\" 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>Banca abierta (Open Banking)<\/h2><p>El Open Banking permite a las instituciones financieras acceder a los datos transaccionales bancarios y no bancarios de los clientes mediante API. <\/p><p>En todo el mundo, esta tendencia est\u00e1 evolucionando r\u00e1pidamente.<\/p><p>Existen diferentes modelos en los que las instituciones financieras pueden desarrollar nuevos productos basados en datos a los que normalmente no tienen acceso, pero que las instituciones financieras y los minoristas con operaciones financieras ahora comparten a trav\u00e9s de las API.<\/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-56e2f76 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"56e2f76\" 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-0adc1e7\" data-id=\"0adc1e7\" 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-bdf635c elementor-widget elementor-widget-text-editor\" data-id=\"bdf635c\" 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><span style=\"font-weight: bolder;\">Ventajas<\/span><\/p><p>Industria en crecimiento con nuevos agregadores de datos que generan nuevos acuerdos con instituciones financieras y no financieras para compartir datos.<\/p><p>Las regulaciones en diferentes pa\u00edses est\u00e1n impulsando la implementaci\u00f3n del Open Banking.<\/p><p>Los casos muestran una precisi\u00f3n de predicci\u00f3n en aumento entre el 10% y el 20% cuando se combinan con modelos tradicionales (Birch, Cummins y Shin, 2018), (Equifax, 2019)<\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1fc0595\" data-id=\"1fc0595\" 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-ef3e8e9 elementor-widget elementor-widget-text-editor\" data-id=\"ef3e8e9\" 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><span style=\"font-size: 1rem;\" data-contrast=\"auto\"><strong style=\"font-size: 1rem;\">Desventajas<\/strong><\/span><\/p><p>Cobertura limitada porque el acceso a los datos depende de acuerdos entre proveedores de datos y agregadores.<\/p><p>Algunos segmentos de microempresas siguen siendo intensivos en efectivo, por lo que puede haber poca informaci\u00f3n operativa.<\/p><p>No resuelve el problema de la cobertura de las microempresas sin historial crediticio en las centrales de informaci\u00f3n.<\/p><p>El microempresario puede decidir compartir solo datos de ciertas instituciones a su conveniencia. Esto puede sesgar intencionadamente el an\u00e1lisis.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbedef3 elementor-widget elementor-widget-text-editor\" data-id=\"cbedef3\" 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>Datos de operadores de telefon\u00eda m\u00f3vil (Telco)<\/h2><p>A trav\u00e9s del registro del n\u00famero telef\u00f3nico del cliente, es posible conocer y evaluar el comportamiento que ha tenido el solicitante con su l\u00ednea telef\u00f3nica.<\/p><p>Los datos accesibles pueden ser prepago\/pospago, uso de datos, geolocalizaci\u00f3n, historial de recargas, patrones de llamadas y SMS (entre otros).<\/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-e40a3ca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e40a3ca\" 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-f88be60\" data-id=\"f88be60\" 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-0906d02 elementor-widget elementor-widget-text-editor\" data-id=\"0906d02\" 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><span style=\"font-weight: bolder;\">Ventajas<\/span><\/p><p>Los pilotos han obtenido puntajes de cr\u00e9dito precisos (Dietrich, De Souza y Guerreiro, 2020).<\/p><p>Particularmente \u00fatil para generar estrategias de cobranza.<\/p><p>Fuente complementaria para enriquecer los datos para la detecci\u00f3n de fraudes.<\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-47f0af6\" data-id=\"47f0af6\" 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-061a6b3 elementor-widget elementor-widget-text-editor\" data-id=\"061a6b3\" 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><strong>Desventajas<\/strong><\/p><p>Dificultades para establecer acuerdos con operadores de telecomunicaciones.<\/p><p>Disponibilidad limitada debido a las normativas locales de privacidad y protecci\u00f3n de datos.<\/p><p>Disminuci\u00f3n de la disponibilidad a medida que los segmentos de nivel inferior y la poblaci\u00f3n m\u00e1s joven a menudo cambian a alternativas sustitutivas y m\u00e1s baratas a las llamadas telef\u00f3nicas (por ejemplo, llamadas de WhatsApp y mensajes de voz)<br \/>La cobertura solo est\u00e1 disponible para usuarios y microempresas que utilizan un operador espec\u00edfico.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4928b elementor-widget elementor-widget-text-editor\" data-id=\"6b4928b\" 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>Datos del dispositivo \u2018tel\u00e9fono inteligente\u2019<\/h2><p>Se refiere a los datos rastreables de un dispositivo m\u00f3vil, a los que se accede a trav\u00e9s de una aplicaci\u00f3n instalada con el permiso del usuario.<\/p><p>Los datos accesibles pueden ser la ubicaci\u00f3n, la ubicaci\u00f3n aproximada, la informaci\u00f3n personal, el uso y los patrones de mensajer\u00eda, la biblioteca multimedia, el calendario, los contactos, la actividad en otras aplicaciones, el historial de b\u00fasqueda, etc.<\/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-48dd246 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48dd246\" 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-0c2ac5d\" data-id=\"0c2ac5d\" 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-c40ef70 elementor-widget elementor-widget-text-editor\" data-id=\"c40ef70\" 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><span style=\"font-weight: bolder;\">Ventajas<\/span><\/p><p>Los usuarios est\u00e1n adoptando cada vez m\u00e1s aplicaciones bancarias, lo que implica una amplia disponibilidad.<\/p><p>Tiempo de respuesta inmediato. <\/p><p>Alta adopci\u00f3n de dispositivos smartphone.<\/p><p>La huella digital del tel\u00e9fono inteligente tambi\u00e9n se puede utilizar para el an\u00e1lisis del comportamiento y el proxy de personalidad.<\/p><p>Aumento de las capacidades de los proveedores para desarrollar SDK de dispositivos.<\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-980a8ca\" data-id=\"980a8ca\" 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-abadcbe elementor-widget elementor-widget-text-editor\" data-id=\"abadcbe\" 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><strong>Desventajas<\/strong><\/p><p>Memoria del dispositivo. Algunos segmentos de poblaci\u00f3n son propensos a eliminar aplicaciones debido a la falta de memoria en sus dispositivos.<\/p><p>Dificultades en la especificidad de la informaci\u00f3n, ya que la actividad del dispositivo no est\u00e1 segregada entre el uso comercial y el uso personal del usuario del dispositivo.<\/p><p>El proveedor requiere \u2018expertise\u2019 en econom\u00eda conductual para interpretar los datos y desarrollar modelos reales utilizables para los pr\u00e9stamos.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2409993 elementor-widget elementor-widget-text-editor\" data-id=\"2409993\" 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>Datos de correo electr\u00f3nico<\/h2><p>El uso de datos de correo electr\u00f3nico se ha generalizado porque ingresar un correo electr\u00f3nico es parte de los datos m\u00ednimos requeridos de los solicitantes de cr\u00e9dito. Este mecanismo permite evaluar la consistencia de los datos del usuario.<\/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-06b80ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"06b80ab\" 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-83e753e\" data-id=\"83e753e\" 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-dcab0eb elementor-widget elementor-widget-text-editor\" data-id=\"dcab0eb\" 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><span style=\"font-weight: bolder;\">Ventajas<\/span><\/p><p>Ofrecen un alto volumen de informaci\u00f3n debido a los vastos puntos de datos resultantes de la actividad en las cuentas de correo.<\/p><p><br \/>Permite la detecci\u00f3n de fraudes (Centro para la Inclusi\u00f3n Financiera de Acci\u00f3n e Instituto de Finanzas Internacionales, 2018).<\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c564593\" data-id=\"c564593\" 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-45403ab elementor-widget elementor-widget-text-editor\" data-id=\"45403ab\" 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><strong>Desventajas<\/strong><\/p><p>Dificultades en la especificidad de la informaci\u00f3n, no todas las microempresas tienen una cuenta comercial, a veces se utiliza la cuenta personal del microempresario.<\/p><p>Depende de un gran volumen de datos, por lo que aumenta los esfuerzos tecnol\u00f3gicos.<\/p><p>No existen casos de uso concretos en riesgo crediticio para microempresas.<\/p><p>Se identifican algunos casos de uso piloto, pero principalmente para la prevenci\u00f3n del fraude.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-41b69f6 elementor-widget elementor-widget-text-editor\" data-id=\"41b69f6\" 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>Datos de transacciones p\u00fablicas<\/h2><p>Es un tipo de fuente de datos G2B que se refiere a los registros de las actividades de las microempresas.<\/p><p>Los subconjuntos de datos pueden incluir facturas de servicios p\u00fablicos, aportes de salud, pensiones y riesgos, e informaci\u00f3n fiscal.<\/p><p>Por lo general, incluyen informaci\u00f3n relacionada con el pago (flujo de caja) e informaci\u00f3n no relacionada con dinero. <\/p><p>Las tendencias de comportamiento generadas por el an\u00e1lisis de esta informaci\u00f3n se pueden utilizar para evaluar los ingresos y la situaci\u00f3n financiera m\u00e1s reciente de una microempresa.<\/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-3365f84 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3365f84\" 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-53d4b95\" data-id=\"53d4b95\" 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-57bafc6 elementor-widget elementor-widget-text-editor\" data-id=\"57bafc6\" 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><span style=\"font-weight: bolder;\">Ventajas<\/span><\/p><p>Durante la pandemia, varios pa\u00edses distribuyeron ayudas econ\u00f3micas, subsidios e incentivos para las microempresas, lo que gener\u00f3 un gran volumen de datos financieros.<\/p><p>En algunas geograf\u00edas hay algunos agregadores y proveedores de datos abiertos que proporcionan estos datos.<\/p><p>Las bases de datos gubernamentales se pueden utilizar para enriquecer la pol\u00edtica de riesgo operacional \/ fraude.<\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-cb0a359\" data-id=\"cb0a359\" 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-9867980 elementor-widget elementor-widget-text-editor\" data-id=\"9867980\" 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><strong>Desventajas<\/strong><\/p><p>Los microempresarios en las econom\u00edas emergentes a menudo est\u00e1n \u2018fuera de la red\u2019 en los programas gubernamentales como impuestos, salud y pensiones, principalmente.<\/p><p>Es com\u00fan encontrar inconsistencias entre los titulares de las cuentas y la microempresa que realmente utiliza el servicio (por ejemplo, el comerciante paga el alquiler y todas las facturas de servicios p\u00fablicos a nombre del propietario) <\/p><p>Dificultades para establecer acuerdos interinstitucionales (por ejemplo, empresas de servicios p\u00fablicos y proveedores de datos)<\/p><p>Disponibilidad limitada debido a las normativas locales de privacidad y protecci\u00f3n de datos.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-b224f70 elementor-widget elementor-widget-text-editor\" data-id=\"b224f70\" 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>Conclusi\u00f3n<\/h2><p>En el mundo actual impulsado por los datos, tanto los propietarios de microempresas como los individuos reconocen cada vez m\u00e1s el valor de sus datos y buscan controlar c\u00f3mo se utilizan para lograr objetivos personales y comerciales. La inclusi\u00f3n financiera busca una &#8220;democratizaci\u00f3n del cr\u00e9dito&#8221;, alcanzable a trav\u00e9s de la &#8220;democratizaci\u00f3n de los datos&#8221;, reflejando una tendencia creciente de las personas a ejercer su poder como consumidores para decidir qui\u00e9n accede a sus datos y c\u00f3mo se aprovechan para productos financieros m\u00e1s significativos. Las modernas fuentes de datos alternativos ofrecen un medio poderoso para este fin, proporcionando informaci\u00f3n m\u00e1s all\u00e1 de las m\u00e9tricas tradicionales para evaluar la calidad crediticia. A pesar de sus posibles ventajas, desaf\u00edos como la disponibilidad de datos, preocupaciones de privacidad y barreras tecnol\u00f3gicas persisten. Por lo tanto, seleccionar la fuente de datos adecuada y el socio adecuado requiere una cuidadosa consideraci\u00f3n para mejorar la inclusi\u00f3n financiera, mitigar los riesgos crediticios y empoderar a las microempresas y los individuos en sus trayectorias financieras.<\/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-c095f19 elementor-widget elementor-widget-text-editor\" data-id=\"c095f19\" 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>REFERENCES<\/h3>\n<p><span data-contrast=\"auto\">Arr\u00e1iz, I., Bruhn, M., Ruiz, C., &amp; Stucchi, R. (2018). <\/span><span data-contrast=\"auto\">Are Psychometric Tools a Viable Screening Method for Small and Medium Enterprise Lending. <\/span><i><span data-contrast=\"auto\">Private Sector Series, TN<\/span><\/i><span data-contrast=\"auto\">(5).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Birch, D., Cummins, W., &amp; Shin, C. (2018). How Open Banking Can Drive Innovation in Financial Services. <\/span><i><span data-contrast=\"auto\">Harvard Business Review, 96,<\/span><\/i><span data-contrast=\"auto\"> 18-19.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Bocconi, S. B. (2015). Social glass: a platform for urban analytics and decision-making through heterogeneous social data. In\u00a0 WWW2015Companion, <\/span><i><span data-contrast=\"auto\">WWW2015Companion<\/span><\/i><span data-contrast=\"auto\"> (pp. 175\u2013178). New York, NY: Association for Computing Machinery.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Center for Financial Inclusion at Accion &amp; Institute of International Finance. (2018). Accelerating Financial Inclusion with New Data. <\/span><i><span data-contrast=\"auto\">MAINSTREAMING FINANCIAL INCLUSION: BEST PRACTICES SERIES,<\/span><\/i><span data-contrast=\"auto\"> Part 4.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Dietrich, L., De Souza, F., y Guerreiro, A. (2020). <\/span><i><span data-contrast=\"auto\">Development of credit scores with\u00a0\u00a0\u00a0 telco data using ML and agile methodology in Brazil<\/span><\/i><span data-contrast=\"auto\">, 4831. S Global Forum 2020.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Equifax. (2019). <\/span><i><span data-contrast=\"auto\">Knowledge Centre<\/span><\/i><span data-contrast=\"auto\">. Retrieved from <\/span><i><span data-contrast=\"auto\">Open Banking &amp; Credit Risk: Friend or Foe?<\/span><\/i><span data-contrast=\"auto\">: <\/span><a href=\"https:\/\/www.equifax.co.uk\/resources\/open-banking-credit-risk-friend-or-foe.html\"><span data-contrast=\"none\">https:\/\/www.equifax.co.uk\/resources\/open-banking-credit-risk-friend-or-foe.html<\/span><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u200b<\/span><span data-contrast=\"auto\">\u200b<\/span><span data-contrast=\"auto\">Mondato. (Nov 15, 2023). <\/span><i><span data-contrast=\"auto\">mondato.com<\/span><\/i><span data-contrast=\"auto\">. Retrieved from <\/span><i><span data-contrast=\"auto\">Psychometrics: What makes a reliable borrower?<\/span><\/i><span data-contrast=\"auto\">: https:\/\/blog.mondato.com\/psychometrics-reliable-borrower\/<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u200b<\/span><span data-contrast=\"auto\">Nettle, D. (2020). <\/span><i><span data-contrast=\"auto\">Personality: What Makes You the Way You Are. <\/span><\/i><span data-contrast=\"auto\">HighBridge.<\/span><span data-contrast=\"auto\">\u200b<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p>Galvanizing MSMEs worldwide by supporting women and youth entrepreneurship and resilient supply chains:\u00a0<a href=\"https:\/\/www.un.org\/en\/observances\/micro-small-medium-businesses-day\"><span data-contrast=\"none\">https:\/\/www.un.org\/en\/observances\/micro-small-medium-businesses-day<\/span><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6dfcde88\" data-id=\"6dfcde88\" 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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6f6e596c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f6e596c\" 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-4c736648\" data-id=\"4c736648\" 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-2f4dbdc6 elementor-widget elementor-widget-heading\" data-id=\"2f4dbdc6\" 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\">Share:<\/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-7c041ee9\" data-id=\"7c041ee9\" 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-c215533 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=\"c215533\" 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<div class=\"elementor-element elementor-element-5104d7d1 elementor-widget elementor-widget-heading\" data-id=\"5104d7d1\" 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\">More Posts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-427be76b elementor-grid-1 elementor-posts--thumbnail-left elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"427be76b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\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-classic 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\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.begini.co\/es\/beyond-the-credit-bureau\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img 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;\n\" data-image-caption=\"&lt;p&gt;Alternative credit scoring in LATAM&lt;\/p&gt;\n\" 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=\"300\" height=\"200\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?fit=300%2C200&amp;ssl=1\" class=\"attachment-medium size-medium wp-image-3953\" alt=\"\" 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;\n\" data-image-caption=\"&lt;p&gt;Alternative credit scoring in LATAM&lt;\/p&gt;\n\" 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\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?resize=300%2C200&amp;ssl=1 300w, 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tag-psychometrics tag-sme tag-unbanked\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.begini.co\/es\/why-credit-history-alone-fails\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img 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;\n\" data-image-caption=\"&lt;p&gt;expanding credit access in informal economies with behavioural analytics&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?fit=800%2C534&amp;ssl=1\" width=\"300\" height=\"200\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?fit=300%2C200&amp;ssl=1\" class=\"attachment-medium size-medium wp-image-3857\" alt=\"informal marketplace in latin america\" 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;\n\" data-image-caption=\"&lt;p&gt;expanding credit access in informal economies with behavioural analytics&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?fit=800%2C534&amp;ssl=1\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\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\tWhy credit history alone fails in informal economies\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\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\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.begini.co\/es\/finalco-adopts-beginis-behavioural-insights\/\" tabindex=\"-1\" >\n\t\t\t<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;\n\" data-image-caption=\"&lt;p&gt;Financial inclusion in Colombia&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?fit=800%2C534&amp;ssl=1\" width=\"300\" height=\"200\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?fit=300%2C200&amp;ssl=1\" class=\"attachment-medium size-medium wp-image-3743\" alt=\"Begini&#039;s AI-powered financial inclusion tools launched in Colombia\" 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;\n\" data-image-caption=\"&lt;p&gt;Financial inclusion in Colombia&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?fit=800%2C534&amp;ssl=1\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\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 and Begini expand fair credit in Colombia\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3716 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-pakistan tag-psychometrics tag-unbanked\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.begini.co\/es\/begini-and-bank-of-punjab-join-forces-to-scale-ai-powered-financial-inclusion\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"3723\" data-permalink=\"https:\/\/www.begini.co\/es\/begini-and-bank-of-punjab-join-forces-to-scale-ai-powered-financial-inclusion\/dsc03751\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?fit=2560%2C1570&amp;ssl=1\" data-orig-size=\"2560,1570\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;4.5&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;ILCE-7M3&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1541461458&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;86&quot;,&quot;iso&quot;:&quot;640&quot;,&quot;shutter_speed&quot;:&quot;0.04&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Begini &amp;#038; BOP Signing Ceremony\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Begini &amp;#038; BOP sign strategic partnership agreement to scale financial inclusions solution&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?fit=800%2C491&amp;ssl=1\" width=\"300\" height=\"184\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?fit=300%2C184&amp;ssl=1\" class=\"attachment-medium size-medium wp-image-3723\" alt=\"\" data-attachment-id=\"3723\" data-permalink=\"https:\/\/www.begini.co\/es\/begini-and-bank-of-punjab-join-forces-to-scale-ai-powered-financial-inclusion\/dsc03751\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?fit=2560%2C1570&amp;ssl=1\" data-orig-size=\"2560,1570\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;4.5&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;ILCE-7M3&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1541461458&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;86&quot;,&quot;iso&quot;:&quot;640&quot;,&quot;shutter_speed&quot;:&quot;0.04&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Begini &amp;#038; BOP Signing Ceremony\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Begini &amp;#038; BOP sign strategic partnership agreement to scale financial inclusions solution&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?fit=800%2C491&amp;ssl=1\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?w=2560&amp;ssl=1 2560w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?resize=300%2C184&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?resize=1024%2C628&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?resize=768%2C471&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?resize=1536%2C942&amp;ssl=1 1536w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?resize=2048%2C1256&amp;ssl=1 2048w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?w=1600&amp;ssl=1 1600w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/10\/DSC03751-scaled.jpg?w=2400&amp;ssl=1 2400w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\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\/begini-and-bank-of-punjab-join-forces-to-scale-ai-powered-financial-inclusion\/\" >\n\t\t\t\tBegini and Bank of Punjab Join Forces to Scale AI-Powered Financial Inclusion\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\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\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-6e31aef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e31aef\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-fddd93b\" data-id=\"fddd93b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div 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<\/p>","protected":false},"author":209526199,"featured_media":2621,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","content-type":"","footnotes":""},"categories":[1364,1387],"tags":[1375,1405],"class_list":["post-2823","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-alternative-data","category-credit-scores","tag-credit-score","tag-msmes"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>7 Fuentes de Datos Modernos para el An\u00e1lisis del Riesgo de Cr\u00e9dito en Microempresas. - Begini<\/title>\n<meta name=\"description\" content=\"7 Fuentes de Datos Modernos para el An\u00e1lisis del Riesgo de Cr\u00e9dito en Microempresas.\" \/>\n<meta name=\"robots\" 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