{"id":3952,"date":"2026-03-30T16:30:12","date_gmt":"2026-03-30T05:30:12","guid":{"rendered":"https:\/\/www.begini.co\/?p=3952"},"modified":"2026-04-01T14:41:44","modified_gmt":"2026-04-01T03:41:44","slug":"beyond-the-credit-bureau","status":"publish","type":"post","link":"https:\/\/www.begini.co\/es\/beyond-the-credit-bureau\/","title":{"rendered":"M\u00e1s all\u00e1 de la oficina de cr\u00e9dito"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3952\" class=\"elementor elementor-3952\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a05c628 e-flex e-con-boxed e-con e-parent\" data-id=\"3a05c628\" 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-46b3d22 elementor-widget elementor-widget-spacer\" data-id=\"46b3d22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48fdfc94 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"48fdfc94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">M\u00e1s all\u00e1 de la oficina de cr\u00e9dito<\/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-1ab30d21 e-flex e-con-boxed e-con e-parent\" data-id=\"1ab30d21\" 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-8c200ee elementor-position-right elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"8c200ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img fetchpriority=\"high\" decoding=\"async\" data-attachment-id=\"3953\" data-permalink=\"https:\/\/www.begini.co\/es\/beyond-the-credit-bureau\/beyond-the-bureau\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?fit=1200%2C800&amp;ssl=1\" data-orig-size=\"1200,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"Beyond the Bureau\" data-image-description=\"&lt;p&gt;Two young latin american women shopping.&lt;\/p&gt;\" data-image-caption=\"&lt;p&gt;Alternative credit scoring in LATAM&lt;\/p&gt;\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?fit=800%2C534&amp;ssl=1\" width=\"1200\" height=\"800\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?fit=1200%2C800&amp;ssl=1\" class=\"attachment-full size-full wp-image-3953\" alt=\"\" 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, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">En toda Am\u00e9rica Latina, la calificaci\u00f3n crediticia alternativa se est\u00e1 volviendo esencial, ya que millones de personas y peque\u00f1as empresas permanecen invisibles para los sistemas crediticios tradicionales.\n\nMuchos prestamistas todav\u00eda dependen en gran medida de los datos de las agencias de cr\u00e9dito y los registros financieros hist\u00f3ricos, pero estos modelos a menudo no logran capturar la realidad financiera completa de los prestatarios en los mercados emergentes.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94d89d1 elementor-widget elementor-widget-text-editor\" data-id=\"94d89d1\" 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>La brecha crediticia en LATAM<\/h2><p>La econom\u00eda de Am\u00e9rica Latina es cada vez m\u00e1s digital. Los prestatarios interact\u00faan en l\u00ednea, solicitan servicios a trav\u00e9s de dispositivos m\u00f3viles y se relacionan con servicios financieros de nuevas maneras.<\/p><p>Sin embargo, muchos de estos comportamientos no son capturados por los modelos tradicionales de calificaci\u00f3n crediticia.<\/p><p>Esto crea varios desaf\u00edos para los prestamistas:<\/p><ul><li>Historiales crediticios delgados o incompletos<\/li><li>Fuentes de ingresos informales<\/li><li>Grandes segmentos de prestatarios primerizos<\/li><li>Pol\u00edticas de pr\u00e9stamo conservadoras impulsadas por datos limitados<\/li><\/ul><p><br \/>Como se destac\u00f3 en nuestra reciente investigaci\u00f3n, esto lleva a un resultado desafortunado: los buenos prestatarios son rechazados simplemente por falta de informaci\u00f3n.<\/p><p>Para los prestamistas, el impacto es significativo:<\/p><ul><li>Oportunidades de crecimiento perdidas<\/li><li>Costos de adquisici\u00f3n de clientes m\u00e1s altos<\/li><li>Diversificaci\u00f3n de cartera m\u00e1s lenta<\/li><li>Acceso perdido a mercados desatendidos<\/li><\/ul>\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-25eafd4 elementor-widget elementor-widget-text-editor\" data-id=\"25eafd4\" 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>Por qu\u00e9 los modelos de cr\u00e9dito tradicionales se quedan cortos<\/h2><p>Los modelos tradicionales de calificaci\u00f3n crediticia se dise\u00f1aron en torno a econom\u00edas donde la mayor\u00eda de la gente:<\/p><ul><li>Recibir salarios formales<\/li><li>Usar cuentas bancarias habitualmente<\/li><li>Historiales crediticios establecidos<\/li><\/ul><p><strong><br \/>En muchos mercados emergentes, estas suposiciones no se aplican.<\/strong><\/p><p>Los modelos tradicionales tienden a mirar hacia atr\u00e1s, bas\u00e1ndose en gran medida en los registros crediticios pasados en lugar del comportamiento actual del prestatario. Para los prestatarios primerizos o aquellos que operan en sectores informales, esto a menudo significa ser clasificados autom\u00e1ticamente como de alto riesgo.<\/p><p>El problema no es necesariamente que estos prestatarios sean arriesgados, sino que los datos disponibles son incompletos.<\/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-3060e52 elementor-widget elementor-widget-text-editor\" data-id=\"3060e52\" 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>Anal\u00edtica del comportamiento: Un complemento a los datos crediticios tradicionales<\/h2>\n<p>El an\u00e1lisis de comportamiento proporciona a los prestamistas una capa adicional de informaci\u00f3n sobre c\u00f3mo se comportan los solicitantes durante el proceso digital de solicitud de pr\u00e9stamos.<\/p>\n<p>En lugar de reemplazar los datos crediticios existentes, el an\u00e1lisis de comportamiento los complementa.<\/p>\n<p>Este enfoque examina patrones como:<\/p>\n<ul>\n<li>C\u00f3mo interact\u00faan los solicitantes con los formularios digitales<\/li>\n<li>Consistencia en la toma de decisiones y patrones de respuesta<\/li>\n<li>Indicadores de compromiso y confiabilidad<\/li>\n<li>Se\u00f1ales de comportamiento durante la incorporaci\u00f3n<\/li>\n<\/ul>\n<p><br \/>Estas se\u00f1ales proporcionan a los prestamistas informaci\u00f3n prospectiva que ayuda a diferenciar entre solicitantes genuinamente de alto riesgo y aquellos que simplemente carecen de historial crediticio formal.<\/p>\n<p>En la pr\u00e1ctica, esto permite a los prestamistas pasar de la escasez de datos a una mejor diferenciaci\u00f3n del riesgo.<\/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-3d8021f elementor-widget elementor-widget-text-editor\" data-id=\"3d8021f\" 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>Aplicaciones en el mundo real en LATAM<\/h2>\n<p>Varios prestamistas en Am\u00e9rica Latina ya est\u00e1n utilizando el an\u00e1lisis conductual para expandir el cr\u00e9dito de manera responsable.<\/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-264f216 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"264f216\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" data-attachment-id=\"1171\" data-permalink=\"https:\/\/www.begini.co\/es\/regional-focus-credit-inclusion-in-latin-america\/laint-america\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2022\/02\/laint-america.png?fit=1200%2C800&amp;ssl=1\" data-orig-size=\"1200,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Houses in Bogota\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2022\/02\/laint-america.png?fit=800%2C534&amp;ssl=1\" width=\"1200\" height=\"800\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2022\/02\/laint-america.png?fit=1200%2C800&amp;ssl=1\" class=\"attachment-full size-full wp-image-1171\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2022\/02\/laint-america.png?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2022\/02\/laint-america.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2022\/02\/laint-america.png?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2022\/02\/laint-america.png?resize=768%2C512&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Colombia: Ampliando el acceso con una mejor diferenciaci\u00f3n de riesgos<\/h3><p class=\"elementor-image-box-description\">Una entidad crediticia nacional en Colombia integr\u00f3 evaluaciones de comportamiento en su proceso de solicitud de pr\u00e9stamos digitales.\n\nAl analizar se\u00f1ales de comportamiento durante la incorporaci\u00f3n, la entidad crediticia pudo identificar solicitantes con solvencia crediticia previamente excluidos por modelos tradicionales y mejorar la diferenciaci\u00f3n entre solicitantes de alto y bajo riesgo, al tiempo que ampli\u00f3 el acceso a segmentos desatendidos.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e7909d elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"4e7909d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" data-attachment-id=\"3417\" data-permalink=\"https:\/\/www.begini.co\/es\/a-second-chance-at-credit-how-psychometrics-are-rewriting-the-rules-of-lending\/honduras_2\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/06\/Honduras_2.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=\"Honduras_2\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/06\/Honduras_2.jpg?fit=800%2C534&amp;ssl=1\" width=\"1200\" height=\"800\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/06\/Honduras_2.jpg?fit=1200%2C800&amp;ssl=1\" class=\"attachment-full size-full wp-image-3417\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/06\/Honduras_2.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/06\/Honduras_2.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/06\/Honduras_2.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/06\/Honduras_2.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/06\/Honduras_2.jpg?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Honduras: Desbloqueando oportunidades en mercados informales<\/h3><p class=\"elementor-image-box-description\">En Honduras, un prestamista minorista introdujo la calificaci\u00f3n psicom\u00e9trica y conductual para evaluar a los prestatarios que compran bienes de consumo. Este enfoque permiti\u00f3 al prestamista ofrecer financiaci\u00f3n a clientes previamente rechazados por las calificaciones tradicionales y comprender mejor la disposici\u00f3n al pago y el comportamiento del prestatario.\n<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6026aa4 elementor-widget elementor-widget-text-editor\" data-id=\"6026aa4\" 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\">El efecto de \"intercambio de riesgos\"<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>Uno de los resultados m\u00e1s importantes del an\u00e1lisis conductual es lo que llamamos el efecto de \u201cintercambio de riesgos\u201d.<\/p>\n<p>En lugar de simplemente aumentar las aprobaciones, los prestamistas mejoran la visibilidad del riesgo en toda su base de solicitantes.<\/p>\n<p>Esto normalmente resulta en:<\/p>\n<ul>\n<li>Identificaci\u00f3n temprana de solicitantes de alto riesgo<\/li>\n<li>Mayor confianza al aprobar prestatarios de menor riesgo<\/li>\n<li>Una cartera de pr\u00e9stamos m\u00e1s s\u00f3lida y diversificada<\/li>\n<\/ul>\n<p><br \/>En otras palabras, los prestamistas pueden ampliar los pr\u00e9stamos sin aumentar el riesgo general de la cartera.<\/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-9d60d45 elementor-widget elementor-widget-text-editor\" data-id=\"9d60d45\" 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>Mejores datos significan mejores pr\u00e9stamos<\/h2>\n<p>Cuando las percepciones conductuales se introducen temprano en el proceso de pr\u00e9stamo, las instituciones a menudo tambi\u00e9n ven beneficios operativos:<\/p>\n<ul>\n<li>Reducir los costos de procesamiento<\/li>\n<li>Suscripci\u00f3n m\u00e1s eficiente<\/li>\n<li>Aplicaciones de mayor calidad entrando en el proceso de riesgo<\/li>\n<\/ul>\n<p><br \/>Esto conduce a una cartera m\u00e1s resiliente y a una base m\u00e1s s\u00f3lida para un crecimiento responsable.<\/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-f8bbe99 elementor-widget elementor-widget-text-editor\" data-id=\"f8bbe99\" 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>Dise\u00f1ado para las realidades de LATAM<\/h2>\n<p>Las soluciones de an\u00e1lisis de comportamiento dise\u00f1adas para mercados emergentes se construyen teniendo en cuenta consideraciones pr\u00e1cticas.<\/p>\n<p>Deben ser:<\/p>\n<ul>\n<li>'Mobile-first'<\/li>\n<li>Independiente del lenguaje<\/li>\n<li>Accesible para usuarios con baja alfabetizaci\u00f3n digital<\/li>\n<li>R\u00e1pido de implementar dentro de los flujos de trabajo de pr\u00e9stamos existentes<\/li>\n<\/ul>\n<p><br \/>Esto los hace adecuados tanto para prestamistas fintech como para instituciones financieras tradicionales que buscan expandir los pr\u00e9stamos digitales a trav\u00e9s de la calificaci\u00f3n crediticia con datos alternativos.<\/p>\n<p>Esto conduce a una cartera m\u00e1s resiliente y a una base m\u00e1s s\u00f3lida para un crecimiento responsable.<\/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-2243ea9 elementor-widget elementor-widget-spacer\" data-id=\"2243ea9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-826a5f4 e-con-full e-flex e-con e-parent\" data-id=\"826a5f4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1dacd226 e-con-full e-flex e-con e-child\" data-id=\"1dacd226\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a8e6d0 elementor-widget elementor-widget-heading\" data-id=\"2a8e6d0\" 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\">Descarga el white paper<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ebb70ee elementor-widget elementor-widget-text-editor\" data-id=\"6ebb70ee\" 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>Si est\u00e1 explorando formas de expandir los pr\u00e9stamos manteniendo la calidad de la cartera, nuestro \u00faltimo libro blanco explora el tema en profundidad.<\/p><p><strong>\u201cM\u00e1s All\u00e1 del Bur\u00f3 de Cr\u00e9dito: Una Gu\u00eda Pr\u00e1ctica para Bancos, Fintechs y Prestamistas en Am\u00e9rica Latina\u201d<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d69567 elementor-align-left elementor-mobile-align-center elementor-tablet-align-center elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"7d69567\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div 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elementor-button-link elementor-size-sm\" href=\"https:\/\/go.begini.co\/en\/beyondthebureau\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Descarga el Livre Blanco en ingl\u00e9s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65e8abeb elementor-widget__width-initial elementor-hidden-mobile elementor-widget elementor-widget-gallery\" data-id=\"65e8abeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;gallery_layout&quot;:&quot;masonry&quot;,&quot;columns&quot;:1,&quot;lazyload&quot;:&quot;yes&quot;,&quot;columns_tablet&quot;:2,&quot;columns_mobile&quot;:1,&quot;gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;overlay_background&quot;:&quot;yes&quot;}\" data-widget_type=\"gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-gallery__container\">\n\t\t\t\t\t\t\t<div class=\"e-gallery-item elementor-gallery-item\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?fit=1200%2C800&amp;ssl=1\" data-width=\"1200\" data-height=\"800\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"e-gallery-item elementor-gallery-item\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2022\/11\/personal-data.jpg?fit=1200%2C800&amp;ssl=1\" data-width=\"1200\" data-height=\"800\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\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<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Across Latin America, alternative credit scoring is becoming essential as millions of individuals and small businesses remain invisible to traditional credit systems. Many lenders still rely heavily on credit bureau data and historical financial records, but these models often fail to capture the full financial reality of borrowers in emerging markets. The credit gap in [&hellip;]<\/p>\n","protected":false},"author":209526199,"featured_media":3953,"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":[1364,1387,1365],"tags":[1378,1375,1377,1383,1371,1382,1408],"class_list":["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"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Beyond the Credit Bureau - Begini<\/title>\n<meta name=\"description\" content=\"Learn how behavioural analytics and alternative credit scoring helps lenders in LATAM expand lending while protecting portfolio quality.\" \/>\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\/beyond-the-credit-bureau\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Beyond the Credit Bureau - 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