{"id":2840,"date":"2024-06-19T10:55:40","date_gmt":"2024-06-19T00:55:40","guid":{"rendered":"https:\/\/www.begini.co\/?p=2840"},"modified":"2025-10-21T15:25:54","modified_gmt":"2025-10-21T04:25:54","slug":"psychometrics-what-makes-a-reliable-borrower","status":"publish","type":"post","link":"https:\/\/www.begini.co\/es\/psychometrics-what-makes-a-reliable-borrower\/","title":{"rendered":"Psicometr\u00eda: \u00bfQu\u00e9 hace que un prestatario sea fiable? Investigaci\u00f3n conjunta con Mondato"},"content":{"rendered":"\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Psychometrics: What makes a reliable borrower? <\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Joint Research prepared with Mondato<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

With various forms of data proving insufficient or invasive (or both), the quest for privacy-protective \u2014 yet repayment-predictive \u2014 data for applicants leads back to that basic question of what makes a good borrower. Emerging research and data collected through psychometric assessments are getting right to the heart of the matter, pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits.<\/p>

Quantifying Character<\/h2>

Judging loan applicants by credit scores or bank statements often is not sufficient, as it fails to account for financial opportunities they have not been afforded. But going beyond the simple binary judgment of a credit score to unearth the underlying characteristics of a good borrower is not a simple endeavor. The first digital attempt at doing so \u2014 exploiting data from sources like social media or phone contacts \u2014 brought data privacy issues while never seeming to give the true potential borrower profile, filters and all.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t

\n\t\t\t\t\u201cFor all the data that flies around like social media data, it's not very pertinent to making [lending] decisions about individuals because it's extremely fragmented.\u201d\t\t\t<\/p>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\tJames Hume, CEO, Begini<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Especially when it comes to thin-file borrowers, finding the \u201chidden gems\u201d that prove themselves capable of fulfilling credit obligations requires a more holistic approach.<\/p>

Efforts to do so by measuring core personality traits, or psychometrics, have taken time. Humans are complicated creatures, and so is identifying the characteristics most telling of a potential good borrower, all while maintaining responsible, consensual and seamless data gathering. But after years of trial and error \u2014 and with the capabilities of analytics and lending models improved dramatically through machine learning \u2014 the psychometrics approach seems to be hitting its stride.<\/p>

For years, research provided evidence of the potential for psychometrics to expand financial inclusion to thin-file applicants. A 2017 World Bank study<\/a> looked at a collaboration between EFL and a bank in Peru that used a psychometric assessment to offer loans to SMEs. In this case, the psychometric assessment increased loan use among SMEs by 59% \u2014 without leading to worse repayment behavior. On the behavioral front, a 2021 study<\/a> found a statistically significant relationship between borrowers\u2019 levels of self-control, conscientiousness, selflessness, and attitudes toward money, and their likelihood of repaying credit debts.<\/p>

Struggling to keep up with fintech\u2019s drive for seamless onboarding, adoption of these methods as a data stream for credit provisioning fell short in its early years. However, the case of Begini, a behavioral data analytics company, is prescriptive in the advancement of psychometrics as a tool to both expand credit access and inform individually tailored financial products.<\/p>

In Begini\u2019s case, a gamified assessment measures the psychometrics of individuals through 12 core personality traits. The simple exercises are designed to be culturally neutral, using as few words as possible, and take less than 10 minutes to complete. Each applicant is subsequently given a composite risk score from 1 to 99, with higher scores suggesting a potentially more reliable lendee. Lenders can subsequently decide a given cutoff point to offer loans for any scores above that figure, depending on how risk-averse they wish to be, while deciding which terms to offer this group of applicants that otherwise have their loan applications rejected without the psychometrics data.<\/p>

In validating its models, Begini received an informational gold mine when an innovative financial institution in Thailand told Begini to test for character traits of all loan applicants they previously rejected \u2014 and offer them loans anyway, regardless of their psychometric results.<\/p>

With such a large sample size of over 20,000, including a substantial \u201ccontrol\u201d group, subsequent repayment rates proved definitive in psychometrics\u2019 favor. In the aggregate, applicants that scored 53 or below were found to be three times as likely to default on loans as those who score 80 and above.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Taking it a step further, Begini found in its pilots that the cohort of rejected borrowers \u201crescued\u201d by psychometrics ultimately repaid at similar rates as the average borrower approved through conventional means.<\/p>

The Model Borrower<\/h2>

The efficacy of psychometrics in predicting repayment rates established, Begini researchers began to develop a clearer idea of which personality traits demonstrate the strongest relationship to being a faithful borrower, regardless of finances. Begini rated applicants for each of the 12 personality traits on a scale of 1 to 5, with 1 as the lowest and 5 as the highest score for a given trait. Over pilots like the one in Thailand, comparing these scores to ensuing repayment data gave a clearer picture of what makes a promising thin-file borrower.<\/p>

Through its research, Begini found conscientiousness and honesty to be the traits most suggestive for a good borrower, with applicants scoring highest regarding conscientiousness proving to be almost three times less likely to default than those who scored lowest.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Such results support the prevailing idea that expanding financial services to thin-file applicants requires not a narrow-minded understanding of a person\u2019s on-paper finances, but a deeper understanding of how individuals handle these financial circumstances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t

\n\t\t\t\t\u201cIf someone has that high level of conscientiousness, regardless [of financial circumstances], they will find a way to make that critical payment if they view that product to be extremely important in their lives.\u201d\t\t\t<\/p>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\tJames Hume, CEO, Begini<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

In Begini\u2019s trials, research showed several other traits strongly correlate with being a good loan applicant. Having a present bias\u2014 in which people lack patience to receive rewards (i.e., money) that would be larger with time \u2014 increases the risk of default. Those who are overconfident evince higher rates of default.<\/p>

But there are nuances to how several traits impact lendee behavior. Something like fluid intelligence \u2014 a trait that involves logical thinking and memory of images \u2014 exhibits relatively consistent default rates among those that achieved a score between 3 to 5, the highest. Yet for those whose fluid intelligence scores are as low as 2 or especially 1, the default rates skyrocket. A trait like optimism provides the strongest repayment rates when someone exhibits a modest amount\u2014 not overly optimistic they\u2019re not realistic, nor too pessimistic that belief becomes a self-fulfilling prophecy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\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<\/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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\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<\/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
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Understanding this nonlinearity within certain traits \u2014 and the underlying relationships between separate traits \u2014 is fleshed out through machine learning capable of finding deeper features and patterns. Begini continues to evolve their generic model as more data across geographies flow in. With more time and data, more granular patterns can be discerned through deep learning.<\/p>

There is no singular \u201cmodel borrower,\u201d with different character traits interacting with one another in innumerable ways. More detailed understanding, as more data is gathered and crunched, will yield multiple avenues to find promising thin-file borrowers that are otherwise rejected. But in terms of character traits, the data suggests the \u201cmodel borrower\u201d to look like a conscientious, honest individual with a high locus of control \u2014 a belief in controlling one\u2019s own fate \u2014 alongside a balance in optimism, moderation and life satisfaction.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t

\n\t\t\t\t\u201cThe psychometric assessment is not magic, but the data validates our hypothesis that the behavioral information can correctly [predict] credit risk.\u201d\t\t\t<\/p>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\tCatherine Chen, Head of Data Science, Begini<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

A Second Lease On Loans<\/h2>

Putting psychometrics into practice allows for various pathways to both meet the desires of a given lender and tailor offerings to a particular customer base. Once repayment data starts coming in from a client, Begini can analyze the data and create a custom build attuned to the characteristics of their customers, a process that Chen has found to double the prediction rates for loan repayment. Understanding the personality profile of a given client can also allow for alternative payment methods and approaches to customer relations that better match the character traits of that given applicant.<\/p>

A customer exhibiting troubling levels of present bias, for example, can receive virtual rewards in a gamified setting to stave off irresponsible spending. Those possessing lower levels of fluid intelligence can be given increased reminders of payments needing to be made and further assistance calculating financial status and patterns. Generative AI-powered chatbots can intake customer data on optimism levels to keep customers even-headed \u2014 offering positive words of encouragement for the most pessimistic, and conveying words of caution to the overly optimistic.<\/p>

Psychometric data isn\u2019t the end-all-be-all in provisioning thin-file cases. Device data can also be used in combination with the psychometrics as a behavioral footprint, if different from social data. Applicants with financial apps in their phones are more likely to be good borrowers than those who have gambling apps, for instance. Some mobile money data can be helpful as well \u2014 if done carefully, according to Hume.<\/p>

When other data is lacking, psychometrics may take the lead. In Honduras, access to credit is limited to only about a quarter of people, with smartphone penetration likewise insufficient. However, according to Jacobo Santos, head of analytics and risk management at Solvenza<\/a>, this has made psychometrics a perfect solution to meet the needs of the Honduran market, which has many thin-file applicants operating in informal markets.<\/p>

Solvenza is one of several companies operating in tandem to provide essential, yet expensive, items for people mostly operating in the informal economy, including motorcycles, ATVs, TVs and smartphones. With Solvenza serving as the credit provider for these customers, the goal, says Santos, is to ultimately provide straight cash to poor Hondurans in the informal sector \u2014 and the only path he sees for that to happen is through psychometrics.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t

\n\t\t\t\t\u201cIt's going to be the main source [of data] for us now. The whole history behind a good [credit] score [is] not aligned. But with this alternative data, you see the real behavior of people.\"\t\t\t<\/p>\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\tJacobo Santos, Head of Analytics and Risk Management, Solvenza<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

In the case of Solvenza, which began with a pilot and will be heading towards a full launch of psychometrics, psychometric evaluations were given to 500 applicants otherwise rejected for loans. Of those, 25% received loans thanks to their psychometric scores alone \u2014 right in the ballpark of the 15% to 30% \u201crescue rate\u201d Begini typically finds its clients approaching.<\/p>

Though Solvenza incurs a higher risk with these individuals, lending terms are adjusted to retain more favorable rates compared to the other last resort options available for these highly marginalized populations, who are often fishermen or farmers. Starting at a conservative cutoff for providing \u201crescue model\u201d loans, Solvenza is waiting for more results before rolling out psychometric assessments on a wider scale.<\/p>

Impartiality Towards Our Partial Selves<\/h2>

According to Santos, customers enthusiastically opt for this second chance at loan origination, with them often surprised by how \u201ceasy\u201d the assessments are. Rather, it\u2019s Solvenza\u2019s own employees that have been skeptical of approving loans to customers regardless of their financial statements \u2014 and without human judgment and all its biases involved.<\/p>

Such a radical departure from traditional lending towards a psychometrics-based, nearly automated decision-making process divorced from a person\u2019s financial history can seem far-fetched on first impression. It will take time and establishing a record of success to convince the naysayers.<\/p>

To get there, proper execution will be what matters. Failing to account for cultural differences can perpetuate exclusion of marginalized populations. Using psychometrics in a punitive manner \u2014 like rejecting applicants who otherwise would receive a loan \u2014 rather than as a second-chance tool invites dystopian possibilities. Enough data needs to be gathered and analyzed in a sophisticated enough manner to provide meaningful patterns and tailored solutions.<\/p>

However, through proper design like Begini\u2019s model, such risks can be mitigated. Breaking through the glass ceiling of automating lending decisions in a way that leaves applicants feeling seen rather than ignored isn\u2019t easy. Automated lending decisions require a truly 360-degree perspective of an individual that accounts for both financial behaviors and tendencies. Through psychometrics, the possibility now exists for that to happen \u2014 and with services customized not only to the size of their wallet, but the shape of their personality.<\/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

\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

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
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/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
\n\t\t\t\t
\n\t\t\t\t\t

More Posts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\n\t\t\t
\"\"<\/div>\n\t\t<\/a>\n\t\t\t\t
\n\t\t\t\t

\n\t\t\t\n\t\t\t\tBeyond the Credit Bureau\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
\n\t\t\t\t\n\t\t\t
\"informal<\/div>\n\t\t<\/a>\n\t\t\t\t
\n\t\t\t\t

\n\t\t\t\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
\n\t\t\t\t\n\t\t\t
\"Begini's<\/div>\n\t\t<\/a>\n\t\t\t\t
\n\t\t\t\t

\n\t\t\t\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
\n\t\t\t\t\n\t\t\t
\"\"<\/div>\n\t\t<\/a>\n\t\t\t\t
\n\t\t\t\t

\n\t\t\t\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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t<\/i>Ant<\/span><\/span>Previous<\/span>Webinar: Beyond the Credit Score: Psychometrics, Behaviour, and AI in Modern Lending<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t\t\t\t\t\t
\n\t\t\t\t\t
<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t
\n\t\t\t\tNext<\/span>Finalco and Begini expand fair credit in Colombia<\/span><\/span><\/i>Siguiente<\/span><\/span><\/a>\t\t\t<\/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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Want to know more?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

If you have a question about the potential of alternative data, or you'd like to see our platform in action, drop us a line?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tContact Us<\/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
\n\t\t\t
\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
\n\t\t\t
\n\t\t\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
\n\t\t\t\t\t\t\t
<\/div>\n\t\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
\n\t\t\t
\n\t\t\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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Las nuevas investigaciones y los datos recogidos mediante evaluaciones psicom\u00e9tricas est\u00e1n se\u00f1alando los atributos psicol\u00f3gicos que presagian un prestatario prometedor, al tiempo que detallan c\u00f3mo adaptar los productos y las soluciones en funci\u00f3n de los rasgos psicol\u00f3gicos individuales.<\/p>","protected":false},"author":209526199,"featured_media":2848,"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":[1364,1387],"tags":[1375,1405,1371],"class_list":["post-2840","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-alternative-data","category-credit-scores","tag-credit-score","tag-msmes","tag-psychometrics"],"yoast_head":"\nPsychometrics: What makes a reliable borrower? Joint Research with Mondato - Begini<\/title>\n<meta name=\"description\" content=\"Emerging research and data collected through psychometric assessments are pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits\" \/>\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\/psychometrics-what-makes-a-reliable-borrower\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Psychometrics: What makes a reliable borrower? Joint Research with Mondato - Begini\" \/>\n<meta property=\"og:description\" content=\"Emerging research and data collected through psychometric assessments are pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.begini.co\/es\/psychometrics-what-makes-a-reliable-borrower\/\" \/>\n<meta property=\"og:site_name\" content=\"Begini\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-19T00:55:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-21T04:25:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"acbegini\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"acbegini\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/psychometrics-what-makes-a-reliable-borrower\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/psychometrics-what-makes-a-reliable-borrower\\\/\"},\"author\":{\"name\":\"acbegini\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/#\\\/schema\\\/person\\\/b43fddd1d3a9dc40ff7e76c59bf23f50\"},\"headline\":\"Psychometrics: What makes a reliable borrower? Joint Research with Mondato\",\"datePublished\":\"2024-06-19T00:55:40+00:00\",\"dateModified\":\"2025-10-21T04:25:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/psychometrics-what-makes-a-reliable-borrower\\\/\"},\"wordCount\":2002,\"publisher\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/psychometrics-what-makes-a-reliable-borrower\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.begini.co\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/Psychometrics-2.jpg?fit=1200%2C800&ssl=1\",\"keywords\":[\"Credit Score\",\"MSMEs\",\"Psychometrics\"],\"articleSection\":[\"Alternative Data\",\"Credit Scores\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/psychometrics-what-makes-a-reliable-borrower\\\/\",\"url\":\"https:\\\/\\\/www.begini.co\\\/psychometrics-what-makes-a-reliable-borrower\\\/\",\"name\":\"Psychometrics: What makes a reliable borrower? Joint Research with Mondato - Begini\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/psychometrics-what-makes-a-reliable-borrower\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/psychometrics-what-makes-a-reliable-borrower\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.begini.co\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/Psychometrics-2.jpg?fit=1200%2C800&ssl=1\",\"datePublished\":\"2024-06-19T00:55:40+00:00\",\"dateModified\":\"2025-10-21T04:25:54+00:00\",\"description\":\"Emerging research and data collected through psychometric assessments are pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/psychometrics-what-makes-a-reliable-borrower\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.begini.co\\\/psychometrics-what-makes-a-reliable-borrower\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/psychometrics-what-makes-a-reliable-borrower\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.begini.co\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/Psychometrics-2.jpg?fit=1200%2C800&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.begini.co\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/Psychometrics-2.jpg?fit=1200%2C800&ssl=1\",\"width\":1200,\"height\":800,\"caption\":\"Group of young people using their smart phones\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/psychometrics-what-makes-a-reliable-borrower\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.begini.co\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Psychometrics: What makes a reliable borrower? Joint Research with Mondato\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/#website\",\"url\":\"https:\\\/\\\/www.begini.co\\\/\",\"name\":\"Begini\",\"description\":\"Make Better Decisions\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.begini.co\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/#organization\",\"name\":\"Begini\",\"url\":\"https:\\\/\\\/www.begini.co\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.begini.co\\\/wp-content\\\/uploads\\\/2021\\\/11\\\/Begini-logo_full-colour.png?fit=1709%2C639&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.begini.co\\\/wp-content\\\/uploads\\\/2021\\\/11\\\/Begini-logo_full-colour.png?fit=1709%2C639&ssl=1\",\"width\":1709,\"height\":639,\"caption\":\"Begini\"},\"image\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/begini\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/#\\\/schema\\\/person\\\/b43fddd1d3a9dc40ff7e76c59bf23f50\",\"name\":\"acbegini\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e903faf7b20aa5fe525655b6f50d44bf04dca8fb1a015959785f10e22922a214?s=96&d=identicon&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e903faf7b20aa5fe525655b6f50d44bf04dca8fb1a015959785f10e22922a214?s=96&d=identicon&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e903faf7b20aa5fe525655b6f50d44bf04dca8fb1a015959785f10e22922a214?s=96&d=identicon&r=g\",\"caption\":\"acbegini\"},\"url\":\"https:\\\/\\\/www.begini.co\\\/es\\\/author\\\/acbegini\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Psychometrics: What makes a reliable borrower? Joint Research with Mondato - Begini","description":"Las nuevas investigaciones y los datos recogidos mediante evaluaciones psicom\u00e9tricas est\u00e1n se\u00f1alando los atributos psicol\u00f3gicos que presagian un prestatario prometedor, al tiempo que detallan c\u00f3mo adaptar los productos y las soluciones en funci\u00f3n de los rasgos psicol\u00f3gicos individuales.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.begini.co\/es\/psychometrics-what-makes-a-reliable-borrower\/","og_locale":"es_ES","og_type":"article","og_title":"Psychometrics: What makes a reliable borrower? Joint Research with Mondato - Begini","og_description":"Emerging research and data collected through psychometric assessments are pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits","og_url":"https:\/\/www.begini.co\/es\/psychometrics-what-makes-a-reliable-borrower\/","og_site_name":"Begini","article_published_time":"2024-06-19T00:55:40+00:00","article_modified_time":"2025-10-21T04:25:54+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg","type":"image\/jpeg"}],"author":"acbegini","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"acbegini","Tiempo de lectura":"12 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/#article","isPartOf":{"@id":"https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/"},"author":{"name":"acbegini","@id":"https:\/\/www.begini.co\/#\/schema\/person\/b43fddd1d3a9dc40ff7e76c59bf23f50"},"headline":"Psychometrics: What makes a reliable borrower? Joint Research with Mondato","datePublished":"2024-06-19T00:55:40+00:00","dateModified":"2025-10-21T04:25:54+00:00","mainEntityOfPage":{"@id":"https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/"},"wordCount":2002,"publisher":{"@id":"https:\/\/www.begini.co\/#organization"},"image":{"@id":"https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg?fit=1200%2C800&ssl=1","keywords":["Credit Score","MSMEs","Psychometrics"],"articleSection":["Alternative Data","Credit Scores"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/","url":"https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/","name":"Psychometrics: What makes a reliable borrower? Joint Research with Mondato - Begini","isPartOf":{"@id":"https:\/\/www.begini.co\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/#primaryimage"},"image":{"@id":"https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg?fit=1200%2C800&ssl=1","datePublished":"2024-06-19T00:55:40+00:00","dateModified":"2025-10-21T04:25:54+00:00","description":"Las nuevas investigaciones y los datos recogidos mediante evaluaciones psicom\u00e9tricas est\u00e1n se\u00f1alando los atributos psicol\u00f3gicos que presagian un prestatario prometedor, al tiempo que detallan c\u00f3mo adaptar los productos y las soluciones en funci\u00f3n de los rasgos psicol\u00f3gicos individuales.","breadcrumb":{"@id":"https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/#primaryimage","url":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg?fit=1200%2C800&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg?fit=1200%2C800&ssl=1","width":1200,"height":800,"caption":"Group of young people using their smart phones"},{"@type":"BreadcrumbList","@id":"https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.begini.co\/"},{"@type":"ListItem","position":2,"name":"Psychometrics: What makes a reliable borrower? Joint Research with Mondato"}]},{"@type":"WebSite","@id":"https:\/\/www.begini.co\/#website","url":"https:\/\/www.begini.co\/","name":"Begini","description":"Tome mejores decisiones","publisher":{"@id":"https:\/\/www.begini.co\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.begini.co\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/www.begini.co\/#organization","name":"Begini","url":"https:\/\/www.begini.co\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.begini.co\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2021\/11\/Begini-logo_full-colour.png?fit=1709%2C639&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2021\/11\/Begini-logo_full-colour.png?fit=1709%2C639&ssl=1","width":1709,"height":639,"caption":"Begini"},"image":{"@id":"https:\/\/www.begini.co\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/begini\/"]},{"@type":"Person","@id":"https:\/\/www.begini.co\/#\/schema\/person\/b43fddd1d3a9dc40ff7e76c59bf23f50","name":"acbegini","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/e903faf7b20aa5fe525655b6f50d44bf04dca8fb1a015959785f10e22922a214?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e903faf7b20aa5fe525655b6f50d44bf04dca8fb1a015959785f10e22922a214?s=96&d=identicon&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e903faf7b20aa5fe525655b6f50d44bf04dca8fb1a015959785f10e22922a214?s=96&d=identicon&r=g","caption":"acbegini"},"url":"https:\/\/www.begini.co\/es\/author\/acbegini\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg?fit=1200%2C800&ssl=1","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdtDxH-JO","amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/posts\/2840","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/users\/209526199"}],"replies":[{"embeddable":true,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/comments?post=2840"}],"version-history":[{"count":56,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/posts\/2840\/revisions"}],"predecessor-version":[{"id":3703,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/posts\/2840\/revisions\/3703"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/media\/2848"}],"wp:attachment":[{"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/media?parent=2840"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/categories?post=2840"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/tags?post=2840"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}