{"id":4162,"date":"2026-06-12T12:14:13","date_gmt":"2026-06-12T02:14:13","guid":{"rendered":"https:\/\/www.begini.co\/?p=4162"},"modified":"2026-06-17T14:50:35","modified_gmt":"2026-06-17T04:50:35","slug":"unlocking-housing-access-in-latam-with-behavioural-data","status":"publish","type":"post","link":"https:\/\/www.begini.co\/es\/unlocking-housing-access-in-latam-with-behavioural-data\/","title":{"rendered":"Desbloqueo del acceso a la vivienda en LATAM con datos conductuales"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4162\" class=\"elementor elementor-4162\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2ea506 e-flex e-con-boxed e-con e-parent\" data-id=\"e2ea506\" 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-6d3f288 elementor-widget elementor-widget-spacer\" data-id=\"6d3f288\" 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-6fcc6d4 elementor-widget elementor-widget-spacer\" data-id=\"6fcc6d4\" 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<div class=\"elementor-element elementor-element-729a73b e-con-full e-flex e-con e-child\" data-id=\"729a73b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-453dae1 elementor-widget elementor-widget-post-info\" data-id=\"453dae1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-dc185a8 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Alternative Data<\/span>, <span class=\"elementor-post-info__terms-list-item\">Financial Inclusion<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\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-6a808bc elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6a808bc\" 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\">Unlocking housing access in LATAM with behavioural data<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b77271c elementor-widget elementor-widget-text-editor\" data-id=\"b77271c\" 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>Why rent-to-own providers and housing lenders are using behavioural data to assess repayment intent and expand access to home ownership.<\/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-e4eb5b3 elementor-widget elementor-widget-post-info\" data-id=\"e4eb5b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-0d6648f elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>junio 12, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-22a9c1f elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-tags\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t5 min read\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\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-9c9251c e-con-full e-flex e-con e-child\" data-id=\"9c9251c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1f4032 elementor-widget elementor-widget-image\" data-id=\"e1f4032\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/05\/Housing-access-in-LATAM_portrait.webp?fit=649%2C800&amp;ssl=1\" title=\"Housing access in LATAM_portrait\" alt=\"Unlocking housing access in LATAM with behavioural data\" loading=\"lazy\" \/>\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>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa3439a e-flex e-con-boxed e-con e-parent\" data-id=\"fa3439a\" 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-3ca2e3e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3ca2e3e\" 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-4b88d1a elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"4b88d1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTable of Contents\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__4b88d1a\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__4b88d1a\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__4b88d1a\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-365f09e e-flex e-con-boxed e-con e-parent\" data-id=\"365f09e\" 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-e3927f6 elementor-widget elementor-widget-text-editor\" data-id=\"e3927f6\" 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>Across Latin America, thousands of aspiring homeowners face the same challenge. They have stable income. They make their rent payments on time. They have worked hard to save towards a deposit. Yet when they apply for housing finance, they are often told they do not qualify.<\/p><p>In many cases, the issue is not affordability. It is a lack of traditional credit history. This creates a gap between people who are financially capable of becoming homeowners and the lending systems designed to assess them.<\/p><p>As new housing finance models emerge across the region, lenders are looking for better ways to understand risk. Increasingly, that means exploring alternative credit scoring approaches that can assess applicants with limited financial history. One of the fastest-growing areas is behavioural credit scoring.<\/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-557ca20 elementor-widget elementor-widget-text-editor\" data-id=\"557ca20\" 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>What is behavioural credit scoring?<\/h2><p>Behavioural credit scoring uses behavioural data to help predict repayment outcomes. Traditional credit scoring relies heavily on historical financial records such as loans, repayment history and credit bureau data. Behavioural credit scoring adds another layer of insight by analysing behavioural patterns associated with future financial behaviour.\u00a0This can include indicators linked to consistency, decision-making, self-control, planning behaviour and follow-through.<\/p><p>For lenders, the value is clear. Behavioural credit scoring can help assess applicants who have little or no traditional credit history, making it particularly useful in emerging markets and financially underserved segments. In housing finance, it provides an additional perspective when evaluating prospective homeowners.<\/p><h2>The missing middle in housing finance<\/h2><p>For many households across LATAM, the path to home ownership remains difficult.<\/p><p>Banks often require significant deposits and strong credit profiles. At the same time, millions of people earn income through informal or semi-formal channels, making it harder to satisfy traditional underwriting criteria.<\/p><p>The result is a large group of potential homeowners who fall between the cracks. They are not necessarily high risk. They are simply difficult to assess using conventional credit models.<\/p><p>According to the <a href=\"https:\/\/www.iadb.org\/en\/news\/idb-supports-access-housing-ecuador-250-million-guarantee\" target=\"_blank\" rel=\"noopener\">Inter-American Development Bank<\/a>, millions of households across the region remain underserved by formal housing finance. That gap represents both a social need and a commercial opportunity.<\/p><p>This challenge has helped drive the growth of alternative housing finance models, including rent-to-own programmes and progressive ownership schemes.<\/p><p>These approaches recognise that home ownership is often a journey rather than a single transaction.<\/p><h2>Why rent-to-own models are gaining momentum<\/h2><p>Rent-to-own housing is becoming increasingly attractive because it provides a practical pathway for people who may not yet qualify for a traditional mortgage.<\/p><p>One company addressing this challenge is <a href=\"https:\/\/duppla.co\/\" target=\"_blank\" rel=\"noopener\">Duppla in Colombia<\/a>.<\/p><p>Duppla\u2019s model is built around partnership. In fact, the company\u2019s name reflects the idea of partnering with customers throughout their journey towards home ownership.<\/p><p>Many applicants arrive with approximately 15% of a property\u2019s value saved as a deposit. Traditional lenders in the market often require closer to 30%.<\/p><p>Rather than competing with banks, Duppla helps bridge that gap.<\/p><p>Customers can begin their home ownership journey while continuing to build their financial profile. Over time, successful customers may transition into traditional mortgage products offered by banking partners.<\/p><p>This creates value across the ecosystem.<\/p><p>Borrowers gain access to housing opportunities that may otherwise be unavailable. Banks gain access to a pipeline of customers who have demonstrated commitment and financial discipline. Housing providers benefit from a larger addressable market.<\/p><p>But one important challenge remains.<\/p><p>How do you identify which applicants are most likely to succeed?<\/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-fb7b4c8 elementor-widget elementor-widget-text-editor\" data-id=\"fb7b4c8\" 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>How behavioural credit scoring measures intent to pay<\/h2><p>When Duppla began working with Begini, the conversation was not simply about credit risk. It was about understanding commitment.<\/p><p>Duppla refers to Begini\u2019s behavioural assessment as an \u201cintent to pay\u201d score.<\/p><p>Traditional underwriting focuses heavily on a customer\u2019s ability to pay. Behavioural credit scoring adds another perspective by helping lenders understand a customer\u2019s likely commitment to repayment.<\/p><p>Through a short mobile-based assessment, lenders gain insight into behavioural characteristics associated with successful repayment outcomes.<\/p><p>These include indicators linked to consistency, self-control, decision-making patterns, planning behaviour and follow-through.<\/p><p>Together, these signals help create a more complete picture of the applicant.<\/p><p>For Duppla, behavioural credit scoring provides an additional decisioning layer that helps identify applicants who may be overlooked by traditional credit models alone.<\/p><p>This kind of result is consistent with broader trends. <a href=\"https:\/\/openknowledge.worldbank.org\/entities\/publication\/7738aa96-6c1b-4fa3-86cb-be30f69d5a30\" target=\"_blank\" rel=\"noopener\">Research from the World Bank<\/a> highlights the role of alternative data in expanding access to financial services without weakening risk controls, particularly in emerging 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-76b45f1 elementor-widget elementor-widget-spacer\" data-id=\"76b45f1\" 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-fddc8fb e-flex e-con-boxed e-con e-parent\" data-id=\"fddc8fb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06c2c39 elementor-widget elementor-widget-spacer\" data-id=\"06c2c39\" 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-21bfda2 elementor-widget elementor-widget-text-editor\" data-id=\"21bfda2\" 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>\u201cThe psychometric score is critical in our customer acceptance policy. Begini enables us to analyse risk in ways traditional systems cannot, which helps us extend access while maintaining portfolio quality.\u201d\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccdd85d elementor-widget elementor-widget-text-editor\" data-id=\"ccdd85d\" 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>&#8211;\u00a0<span style=\"background-color: transparent; letter-spacing: 0em;\">Nicol\u00e1s Ayala, Duppla.<\/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-6a7a5a2 elementor-widget elementor-widget-spacer\" data-id=\"6a7a5a2\" 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-bb4a933 e-flex e-con-boxed e-con e-parent\" data-id=\"bb4a933\" 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-4a23ab6 elementor-widget elementor-widget-image\" data-id=\"4a23ab6\" 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=\"4164\" data-permalink=\"https:\/\/www.begini.co\/es\/unlocking-housing-access-in-latam-with-behavioural-data\/colombia-home-ownership\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/05\/Colombia-home-ownership.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=\"Colombia home ownership\" data-image-description=\"&lt;p&gt;Rent-to-own housing in LATAM supported by behavioural data and alternative credit scoring for underserved borrowers.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Rent-to-own housing in LATAM supported by behavioural data and alternative credit scoring for underserved borrowers.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/05\/Colombia-home-ownership.webp?fit=800%2C534&amp;ssl=1\" width=\"1200\" height=\"800\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/05\/Colombia-home-ownership.webp?fit=1200%2C800&amp;ssl=1\" class=\"attachment-full size-full wp-image-4164\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/05\/Colombia-home-ownership.webp?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/05\/Colombia-home-ownership.webp?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/05\/Colombia-home-ownership.webp?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/05\/Colombia-home-ownership.webp?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/05\/Colombia-home-ownership.webp?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-attachment-id=\"4164\" data-permalink=\"https:\/\/www.begini.co\/unlocking-housing-access-in-latam-with-behavioural-data\/colombia-home-ownership\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/05\/Colombia-home-ownership.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=\"Colombia home ownership\" data-image-description=\"&lt;p&gt;Rent-to-own housing in LATAM supported by behavioural data and alternative credit scoring for underserved borrowers.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Rent-to-own housing in LATAM supported by behavioural data and alternative credit scoring for underserved borrowers.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/05\/Colombia-home-ownership.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-a22c3cb elementor-widget elementor-widget-text-editor\" data-id=\"a22c3cb\" 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>Housing in Colombia, where new models are helping those previously invisible to lenders.\u00a0<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b2691cb e-flex e-con-boxed e-con e-parent\" data-id=\"b2691cb\" 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-1b7e8d3 elementor-widget elementor-widget-text-editor\" data-id=\"1b7e8d3\" 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>Behavioural credit scoring at a glance<\/h2>\n<ul>\n \t<li>Helps assess applicants with limited credit history<\/li>\n \t<li>Supports rent-to-own and alternative housing finance models<\/li>\n \t<li>Measures behavioural indicators linked to repayment outcomes<\/li>\n \t<li>Complements traditional credit bureau and affordability checks<\/li>\n \t<li>Provides additional insight into repayment intent<\/li>\n \t<li>Helps lenders make more informed credit decisions<\/li>\n<\/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-e28ac59 elementor-widget elementor-widget-text-editor\" data-id=\"e28ac59\" 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 a single score<\/h2>\nOne of the most important lessons from innovative housing finance models is that decisions should not always be reduced to a simple pass-or-fail outcome. A customer does not need a perfect behavioural score to become a successful homeowner.\n\nBehavioural credit scoring works best when viewed as part of a broader decisioning framework where the goal is not to identify perfect applicants. Rather, behavioural credit scoring helps to better understand different types of risk.\n\nRecent developments in behavioural analytics have expanded beyond a single score to include lifecycle behavioural indicators. These indicators help lenders understand how customers engage throughout the assessment process and highlight patterns that may support deeper review.\n\nThis creates opportunities for more informed decisions, tailored interventions and better customer segmentation. Inclusion becomes more achievable when lenders can understand risk with greater nuance.\n<h2>Understanding risk trade-offs<\/h2>\nEvery lending decision involves risk. The most important question is how well is that risk understood.\n\nTraditional credit models rely heavily on financial history. Behavioural credit scoring introduces additional signals that help lenders assess future repayment behaviour from a different perspective.\n\nBehavioural credit scoring does not replace traditional risk assessment. It complements it. By combining bureau data, affordability measures and behavioural signals, lenders can create a more complete view of the applicant and make more informed credit decisions.\n\nIn some cases, applicants who appear risky through conventional measures may demonstrate strong behavioural indicators linked to repayment intent. In other cases, behavioural signals may highlight concerns that deserve further attention.\n<h2>Building the next generation of housing finance<\/h2>\nThe opportunity extends well beyond rent-to-own. Across LATAM, lenders and proptech companies are exploring new ways to expand access to housing.\n\nThese include:\n<ul>\n \t<li>Rent-to-own programmes<\/li>\n \t<li>Progressive ownership models<\/li>\n \t<li>Developer-led financing<\/li>\n \t<li>Embedded finance within proptech platforms<\/li>\n \t<li>Flexible mortgage products designed for non-traditional income profiles<\/li>\n<\/ul>\nEach of these models faces the same challenge. How do you assess someone who may not have the financial history required by traditional underwriting systems?\n\nBehavioural credit scoring helps answer that question.\n<h2>A new pathway to home ownership<\/h2>\nThe future of housing finance in LATAM will require new approaches to both access and risk.\n\nCompanies like Duppla are demonstrating that there is a large population of aspiring homeowners who sit just outside traditional lending criteria. They have the ambition, discipline and commitment required to succeed, but they need a pathway into the system.\n\nBehavioural credit scoring helps create that pathway.\n\nBy combining traditional financial information with insights into repayment intent and decision-making behaviour, lenders can make more informed decisions and expand access to housing responsibly.\n\nAs housing finance continues to evolve across the region, understanding intent to pay may become just as important as understanding ability to pay.\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-663e60e e-flex e-con-boxed e-con e-parent\" data-id=\"663e60e\" 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-2a32d9b elementor-widget elementor-widget-spacer\" data-id=\"2a32d9b\" 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-714d1e2 elementor-widget elementor-widget-heading\" data-id=\"714d1e2\" 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\">Frequently asked questions about behavioural data and housing finance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4577593 elementor-widget elementor-widget-toggle\" data-id=\"4577593\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-7281\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7281\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is behavioural credit scoring?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7281\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7281\"><p>Behavioural credit scoring uses behavioural data to help predict repayment outcomes. It analyses behavioural patterns associated with future financial behaviour and provides lenders with an additional source of insight alongside traditional credit information.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-7282\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-7282\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is the difference between behavioural credit scoring and traditional credit scoring?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7282\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-7282\"><p>Traditional credit scoring relies primarily on historical financial information such as loans, repayment records and credit bureau data.<\/p><p>Behavioural credit scoring uses behavioural signals associated with future repayment performance. Many lenders use both approaches together to improve credit decisioning, particularly when assessing applicants with limited financial history.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-7283\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-7283\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is an Intent-to-pay score?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7283\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-7283\"><p>An intent-to-pay score uses behavioural data to help lenders understand characteristics linked to repayment commitment and financial discipline. It provides an additional perspective alongside traditional credit information.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-7284\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-7284\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Why is behavioural data important for housing finance in LATAM?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7284\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-7284\"><p>Large parts of the LATAM population remain underserved by traditional financial systems. Many people have informal income or thin credit files, which makes conventional underwriting difficult. Alternative data approaches help lenders reach these segments more effectively.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-7285\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-7285\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How does behavioural data help rent-to-own housing models?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7285\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-7285\"><p>Rent-to-own platforms often work with customers who have limited credit history. Behavioural data provides an additional layer of insight that helps lenders assess applicants more confidently at the point of application.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-7286\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-7286\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How quickly can behavioural scoring be integrated into a prop-tech platform?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7286\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-7286\"><p>Integration can be very fast depending on the platform setup. In Begini\u2019s work with Duppla, deployment was completed within a single day.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-7287\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-7287\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What types of housing finance models can behavioural data support?<\/a>\n\t\t\t\t\t<\/h4>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7287\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-7287\"><p>Behavioural insight can support rent-to-own, progressive ownership, embedded property finance, flexible mortgage products, and other digital lending models designed for underserved borrowers.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\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<div class=\"elementor-element elementor-element-c2b31ae elementor-widget elementor-widget-spacer\" data-id=\"c2b31ae\" 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-f29d128 e-flex e-con-boxed e-con e-parent\" data-id=\"f29d128\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6585850 e-flex e-con-boxed e-con e-child\" data-id=\"6585850\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23a4c34 elementor-widget elementor-widget-heading\" data-id=\"23a4c34\" 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\">See more \ngood borrowers.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52c7bbc elementor-widget elementor-widget-text-editor\" data-id=\"52c7bbc\" 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>Begini brings real-time, behavioural credit assessment to lenders across emerging markets \u2014 so you can grow your book into the borrowers traditional models never saw. Let&#8217;s talk about your portfolio.<\/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-1054579 elementor-widget elementor-widget-hubspot-form\" data-id=\"1054579\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hubspot-form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<div\n\t\t\tclass=\"hs-form-frame\"\n\t\t\tdata-region=\"eu1\"\n\t\t\tdata-form-id=\"547cbf13-b34b-40d5-8e22-3da4a9cb167f\"\n\t\t\tdata-portal-id=\"146706934\"\n\t\t\t >\n\t\t\t<\/div>\n\t\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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9376d8 e-flex e-con-boxed e-con e-parent\" data-id=\"a9376d8\" 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-efc8014 elementor-widget elementor-widget-spacer\" data-id=\"efc8014\" 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-df08c35 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"df08c35\" 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-c443c0c elementor-widget elementor-widget-text-editor\" data-id=\"c443c0c\" 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>KEEP READING<\/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-5f0f269 elementor-widget elementor-widget-heading\" data-id=\"5f0f269\" 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 from the field<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8893b8e elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"8893b8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3839 post type-post status-publish format-standard has-post-thumbnail hentry category-alternative-data category-company-news category-credit-scores category-financial-inclusion tag-credit-inclusion tag-credit-score tag-msme tag-psychometrics tag-sme tag-unbanked\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.begini.co\/es\/why-credit-history-alone-fails\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img 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\" 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\" 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\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Alternative Data<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.begini.co\/es\/why-credit-history-alone-fails\/\" >\n\t\t\t\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<article class=\"elementor-post elementor-grid-item post-3734 post type-post status-publish format-standard has-post-thumbnail hentry category-alternative-data category-company-news category-credit-scores category-financial-inclusion tag-credit-inclusion tag-credit-score tag-msme tag-psychometrics tag-sme tag-unbanked\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.begini.co\/es\/finalco-adopts-beginis-behavioural-insights\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img 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\" 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\" 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\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Alternative Data<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.begini.co\/es\/finalco-adopts-beginis-behavioural-insights\/\" >\n\t\t\t\tFinalco and Begini expand fair credit in Colombia\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.begini.co\/es\/finalco-adopts-beginis-behavioural-insights\/\" aria-label=\"M\u00e1s informaci\u00f3n sobre Finalco and Begini expand fair credit in Colombia\" 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<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<div class=\"elementor-post__card\">\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\" ><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=\"\" 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\" 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\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Alternative Data<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.begini.co\/es\/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\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.begini.co\/es\/begini-and-bank-of-punjab-join-forces-to-scale-ai-powered-financial-inclusion\/\" aria-label=\"M\u00e1s informaci\u00f3n sobre Begini and Bank of Punjab Join Forces to Scale AI-Powered Financial Inclusion\" 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 class=\"elementor-element elementor-element-973260d elementor-widget elementor-widget-spacer\" data-id=\"973260d\" 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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Por qu\u00e9 los proveedores de alquiler con opci\u00f3n a compra y los prestamistas de vivienda utilizan datos de comportamiento para evaluar la intenci\u00f3n de pago y ampliar el acceso a la propiedad de la vivienda. <\/p>","protected":false},"author":209526199,"featured_media":4277,"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":[1364,1365],"tags":[1375,1369,1377],"class_list":["post-4162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-alternative-data","category-financial-inclusion","tag-credit-score","tag-financial-inclusion","tag-latam"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Unlocking housing access in LATAM with behavioural data - Begini<\/title>\n<meta name=\"description\" content=\"Discover how behavioural credit scoring helps housing finance providers and rent-to-own platforms in LATAM assess repayment intent, improve credit decisions and expand access to home ownership.\" \/>\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\/unlocking-housing-access-in-latam-with-behavioural-data\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Unlocking housing access in LATAM with behavioural data - Begini\" \/>\n<meta property=\"og:description\" content=\"Discover how behavioural credit scoring helps housing finance providers and rent-to-own platforms in LATAM assess repayment intent, improve credit decisions and expand access to home ownership.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.begini.co\/es\/unlocking-housing-access-in-latam-with-behavioural-data\/\" \/>\n<meta property=\"og:site_name\" content=\"Begini\" \/>\n<meta property=\"article:published_time\" 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