{"id":3839,"date":"2026-01-27T17:06:59","date_gmt":"2026-01-27T06:06:59","guid":{"rendered":"https:\/\/www.begini.co\/?p=3839"},"modified":"2026-01-28T14:14:14","modified_gmt":"2026-01-28T03:14:14","slug":"why-credit-history-alone-fails","status":"publish","type":"post","link":"https:\/\/www.begini.co\/es\/why-credit-history-alone-fails\/","title":{"rendered":"Por qu\u00e9 el historial crediticio por s\u00ed solo fracasa en econom\u00edas informales"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3839\" class=\"elementor elementor-3839\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80659bf e-flex e-con-boxed e-con e-parent\" data-id=\"80659bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9d1982 elementor-widget elementor-widget-heading\" data-id=\"b9d1982\" 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\">Why credit history alone fails in informal economies<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b98f255 e-flex e-con-boxed e-con e-parent\" data-id=\"b98f255\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fcb74dd e-con-full e-flex e-con e-child\" data-id=\"fcb74dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d904dd0 elementor-widget elementor-widget-text-editor\" data-id=\"d904dd0\" 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 data-contrast=\"auto\">Across much of Latin America, lenders face a familiar dilemma: <a href=\"https:\/\/www.weforum.org\/stories\/2023\/08\/lessons-from-latin-america-s-drive-to-enhance-financial-and-digital-inclusion\/\" target=\"_blank\" rel=\"noopener\">strong demand for credit, but limited information to assess it.<\/a><\/span><a href=\"_wp_link_placeholder\"><span data-ccp-props=\"{}\">\u00a0<\/span><\/a><\/p><p><span data-contrast=\"auto\">Millions of individuals and small businesses\u00a0operate\u00a0outside the formal financial system. They trade daily, generate income, and repay obligations, yet remain invisible or misrepresented in traditional credit bureaus. The result is a persistent credit gap that affects lenders and borrowers alike.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">This is not simply a problem of inclusion. It is a problem of how risk is measured.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/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-6d94339 elementor-widget elementor-widget-text-editor\" data-id=\"6d94339\" 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><span class=\"TextRun MacChromeBold SCXW20820707 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW20820707 BCX0\">And how behavioural analytics helps lenders see risk more clearly<\/span><\/span><\/h2>\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-cf21bd1 elementor-widget elementor-widget-text-editor\" data-id=\"cf21bd1\" 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><span class=\"TextRun MacChromeBold SCXW75204606 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW75204606 BCX0\">The limits of traditional credit data<\/span><\/span><span class=\"EOP SCXW75204606 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/h2><p>Credit bureaus were designed for formal economies with stable employment, documented income, and long financial histories. In those contexts, historical repayment data works reasonably well.<\/p><p>In informal or semi-formal economies, however, credit history often tells an incomplete story.<\/p><p>Many creditworthy applicants are classified as \u201cthin-file\u201d or \u201cno-file\u201d because they:<\/p><ul><li>Have limited or no prior borrowing history<\/li><li>Operate cash-based or informal businesses<\/li><li>Are self-employed or seasonally employed<\/li><li>Use digital tools but lack traditional financial products<\/li><\/ul><p><br \/>From a bureau-only perspective, these applicants look risky. In reality, many demonstrate strong financial discipline and intent to repay.<\/p><p>The issue is not that credit bureaus are wrong, it\u2019s that they are insufficient on their own.<\/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-3c688a1 elementor-widget elementor-widget-text-editor\" data-id=\"3c688a1\" 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>Thin-file\u00a0does not mean\u00a0high risk\u00a0<\/h2><p><span data-contrast=\"auto\">A lack of historical data is often treated as a proxy for risk. This assumption creates two structural problems for lenders:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><strong>1. False negatives: <\/strong><span data-contrast=\"auto\">Creditworthy borrowers are rejected, reducing portfolio growth and lifetime value.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><strong>2. Blunt risk segmentation:\u00a0<\/strong><span data-contrast=\"auto\">Applicants are grouped into broad risk buckets that\u00a0fail to\u00a0reflect real behavioural differences.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">In markets with high informality, risk is less about past access to credit and more about current behaviour.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">How consistently does an applicant engage with a\u00a0task?<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">How do they respond to\u00a0situations involving decision-making and money management?<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Do their patterns suggest care, attention, and intent. Or randomness and disengagement?<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">These signals exist long before a loan is issued. Traditional models simply do not capture them.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Across multiple emerging markets, lenders are already applying behavioural signals alongside traditional credit data.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">In practice, this approach is\u00a0most commonly used\u00a0to better assess thin-file applicants, reduce false declines, and improve confidence in early-stage credit decisions \u2014 particularly in informal or mobile-first lending environments.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&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<div class=\"elementor-element elementor-element-7659431 elementor-widget elementor-widget-image\" data-id=\"7659431\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" data-attachment-id=\"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=\"800\" height=\"534\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?fit=800%2C534&amp;ssl=1\" class=\"attachment-large size-large wp-image-3857\" alt=\"informal marketplace in latin america\" 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: 800px) 100vw, 800px\" 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\" \/>\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-c079268 elementor-widget elementor-widget-text-editor\" data-id=\"c079268\" 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>Looking beyond \u201cwho\u201d to understand \u201chow\u201d<\/h2><p>This is where <a href=\"https:\/\/www.begini.co\/solutions\/\" target=\"_blank\" rel=\"noopener\">behavioural analytics<\/a> becomes relevant.<\/p><p>Behavioural analytics focuses on how people interact, not who they are. Rather than relying on demographics or identity attributes, it analyses behavioural patterns generated during a digital journey.<\/p><p>Examples of behavioural signals may include:<\/p><ul><li>Consistency in responses<\/li><li>Completion behaviour and attention patterns<\/li><li>Decision-making style<\/li><li>Interaction timing and flow<\/li><\/ul><p>Individually, these signals may seem subtle. Collectively, they provide insight into reliability, intent, and engagement\u2014factors that are highly relevant to credit risk.<\/p><p>Importantly, these signals are:<\/p><ul><li>Language-agnostic<\/li><li>Mobile-first<\/li><li>Independent of formal financial history<\/li><\/ul><p>This makes behavioural analytics for credit risk them particularly valuable in emerging and informal markets.<\/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-cb19966 elementor-widget elementor-widget-text-editor\" data-id=\"cb19966\" 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>Complementing, not replacing, existing models<\/h2><p>A common misconception is that behavioural analytics is intended to replace credit bureaus or traditional risk models. In practice, the opposite is true.<\/p><p>The strongest outcomes are achieved when behavioural signals are used to complement existing data, not substitute it.<\/p><p>For lenders, this typically means:<\/p><ul><li>Using behavioural analytics in pre-screening to filter risk early<\/li><li>Adding behavioural signals to thin-file applicants for better differentiation<\/li><li>Supporting second-chance or near-prime decisions with additional insight<\/li><\/ul><p><br \/>This layered approach allows lenders to make more confident decisions without fundamentally changing their risk framework.<\/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-4f62331 elementor-widget elementor-widget-text-editor\" data-id=\"4f62331\" 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>Inclusion without increasing portfolio risk<\/h2><p>Financial inclusion is often framed as a trade-off: approve more borrowers and accept higher risk or protect the portfolio and exclude more people.<\/p><p>This is a false choice.<\/p><p>When lenders improve the quality of information used in decision-making, inclusion and risk management can move in the same direction. In fact, better information enables what can be thought of as a \u201crisk swap\u201d within the portfolio.<\/p><p>Rather than simply approving more applicants across the board, lenders are able to remove genuinely high-risk profiles earlier in the journey, while identifying and onboarding more low-risk borrowers who were previously excluded due to limited or incomplete data. The result is not a trade-off between growth and prudence, but a rebalancing of the portfolio itself.<\/p><p>In this context, financial inclusion is not about taking on additional risk. It is about replacing uncertainty with insight, swapping risk that was poorly understood for risk that is better measured.<\/p><p>Behavioural analytics for credit risk helps reduce uncertainty where traditional data is weak. This leads to:<\/p><ul><li>Higher approval rates for genuinely creditworthy applicants<\/li><li>Fewer false declines<\/li><li>More accurate risk-based pricing<\/li><li>Improved customer experience<\/li><\/ul><p>In other words, better information leads to better outcomes, for both lenders and borrowers.<\/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-03e7d88 elementor-widget elementor-widget-text-editor\" data-id=\"03e7d88\" 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><b><span data-contrast=\"auto\">The \u201cRisk Swap\u201d Effect<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Better information allows lenders to remove high-risk applicants earlier, while approving more low-risk borrowers who were previously excluded.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">The result: inclusion and portfolio quality improve at the same time.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/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-f8eb219 elementor-widget elementor-widget-text-editor\" data-id=\"f8eb219\" 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>Designed for real-world lending contexts\u00a0<span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/h2><p><span data-contrast=\"auto\">In markets like Mexico, Colombia, Peru, and Central America, lending journeys are increasingly digital, mobile, and high-volume.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">Behavioural analytics fits naturally into these environments because it:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Works in low-literacy and informal contexts<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Requires minimal\u00a0additional\u00a0effort from applicants<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Can be deployed quickly alongside existing systems<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Scales across markets without heavy localisation<br \/><\/span>\u00a0<span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, 'Noto Sans', sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji';\" data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">Rather than forcing\u00a0applicants\u00a0into rigid models, it adapts to how people\u00a0actually behave.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/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-0817bfe elementor-widget elementor-widget-text-editor\" data-id=\"0817bfe\" 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>A better way to understand risk<\/h2><p>The future of credit assessment in emerging markets will not be built on a single data source. It will be built on combining signals: historical, behavioural, and contextual, to create a more accurate picture of risk.<\/p><p>Credit history remains valuable. But on its own, it is no longer enough.<\/p><p>By incorporating behavioural analytics for credit risk, lenders gain access to a layer of insight that has long been missing, one that reflects how people act today, not just what they did in the past.<\/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-d119618 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d119618\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0990356 elementor-widget elementor-widget-text-editor\" data-id=\"0990356\" 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>Curious how this applies to your portfolio?<\/h3><p data-start=\"1441\" data-end=\"1583\">We regularly exchange perspectives with lenders exploring behavioural analytics for credit risk and financial inclusion in emerging markets.<\/p><p data-start=\"1590\" data-end=\"1694\">If this topic is relevant to your organisation, feel free to <a href=\"https:\/\/www.begini.co\/contact\/\" target=\"_blank\" rel=\"noopener\">reach out<\/a> for a no-obligation conversation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61e780a e-con-full e-flex e-con e-child\" data-id=\"61e780a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1d95c62 e-con-full e-flex e-con e-child\" data-id=\"1d95c62\" data-element_type=\"container\" 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data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/01\/Ecuador.webp?fit=800%2C534&amp;ssl=1\" \/><\/div><\/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\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.begini.co\/es\/why-credit-history-alone-fails\/\" aria-label=\"M\u00e1s informaci\u00f3n sobre Why credit history alone fails in informal economies\" tabindex=\"-1\" >\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ddea8a e-flex e-con-boxed e-con e-parent\" data-id=\"9ddea8a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Por qu\u00e9 el historial crediticio por s\u00ed solo fracasa en las econom\u00edas informales En gran parte de Am\u00e9rica Latina, los prestamistas se enfrentan a un dilema familiar: fuerte demanda de cr\u00e9dito, pero informaci\u00f3n limitada para evaluarla.  Millones de particulares y peque\u00f1as empresas operan fuera del sistema financiero formal. Comercian a diario, generan ingresos y pagan obligaciones, pero permanecen invisibles o<\/p>","protected":false},"author":209526199,"featured_media":3857,"comment_status":"closed","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":[1364,1411,1387,1365],"tags":[1378,1375,1383,1371,1382,1408],"class_list":["post-3839","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-alternative-data","category-company-news","category-credit-scores","category-financial-inclusion","tag-credit-inclusion","tag-credit-score","tag-msme","tag-psychometrics","tag-sme","tag-unbanked"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why credit history alone fails in informal economies - 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