{"id":4718,"date":"2026-07-09T11:18:35","date_gmt":"2026-07-09T01:18:35","guid":{"rendered":"https:\/\/www.begini.co\/?p=4718"},"modified":"2026-07-09T12:27:05","modified_gmt":"2026-07-09T02:27:05","slug":"lessons-from-bank-of-punjabs-digital-lending-transformation","status":"publish","type":"post","link":"https:\/\/www.begini.co\/es\/lessons-from-bank-of-punjabs-digital-lending-transformation\/","title":{"rendered":"5 lecciones para los prestamistas de la transformaci\u00f3n de pr\u00e9stamos digitales del Bank of Punjab"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4718\" class=\"elementor elementor-4718\" 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\">Datos alternativos<\/span>, <span class=\"elementor-post-info__terms-list-item\">Inclusi\u00f3n financiera<\/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\">5 lecciones para los prestamistas de la transformaci\u00f3n de pr\u00e9stamos digitales del Bank of Punjab<\/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>Descubra cinco lecciones de la transformaci\u00f3n de pr\u00e9stamos digitales del Bank of Punjab, incluyendo c\u00f3mo los datos alternativos y las evaluaciones de comportamiento est\u00e1n ampliando la inclusi\u00f3n financiera.<\/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>9 de julio de 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 de lectura\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\/07\/Pakistand-farmer.jpg?fit=649%2C800&amp;ssl=1\" title=\"Pakistand farmer\" alt=\"Pakistand farmer\" 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<div class=\"elementor-element elementor-element-d07d550 e-con-full e-flex e-con e-child\" data-id=\"d07d550\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-68ee6a8 e-con-full e-flex e-con e-child\" data-id=\"68ee6a8\" data-element_type=\"container\" data-e-type=\"container\">\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><strong data-start=\"2945\" data-end=\"2963\">Nota del editor:<\/strong> Este art\u00edculo resume las ideas clave de Brendan le Grange <em data-start=\"3026\" data-end=\"3058\">C\u00f3mo prestar dinero a desconocidos<\/em> podcast con Waqas Javed, Jefe de Ciencia de Datos en Bank of Punjab.\u00a0<\/p><p>Animamos a los lectores a escuchar el episodio completo, que est\u00e1 enlazado a continuaci\u00f3n:<br \/><br \/><a href=\"https:\/\/www.howtolendmoneytostrangers.show\/episodes\/episode-202\" target=\"_blank\" rel=\"noopener\">EP202: Resolviendo grandes problemas de maneras innovadoras, con Waqas Javed (Bank of Punjab)<\/a><\/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-ace13c1 e-con-full e-flex e-con e-child\" data-id=\"ace13c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2420ffa elementor-widget elementor-widget-image\" data-id=\"2420ffa\" 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\t<a href=\"https:\/\/www.howtolendmoneytostrangers.show\/episodes\/episode-202\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" data-attachment-id=\"4725\" data-permalink=\"https:\/\/www.begini.co\/es\/bop-podcast\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/BOP-Podcast.jpeg?fit=300%2C300&amp;ssl=1\" data-orig-size=\"300,300\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"BOP Podcast\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/BOP-Podcast.jpeg?fit=300%2C300&amp;ssl=1\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/BOP-Podcast.jpeg?fit=300%2C300&amp;ssl=1\" class=\"attachment-large size-large wp-image-4725\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/BOP-Podcast.jpeg?w=300&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/BOP-Podcast.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/BOP-Podcast.jpeg?resize=12%2C12&amp;ssl=1 12w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\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<\/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-cc42dcf elementor-widget elementor-widget-text-editor\" data-id=\"cc42dcf\" 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>When it comes to financial inclusion, few organisations have achieved the scale of the <a href=\"https:\/\/www.bop.com.pk\/BoP\" target=\"_blank\" rel=\"noopener\">Bank of Punjab<\/a>&#8216;s recent digital lending programmes.<\/p><p>In a recent episode of How to Lend Money to Strangers, host Brendan le Grange sat down with Waqas Javed, Head of Data Science at Bank of Punjab, to discuss how the bank has redesigned lending journeys using alternative data, behavioural assessments and customer-centric design to reach hundreds of thousands of previously underserved borrowers.<\/p><p>The full episode is well worth listening to. Below are five lessons from the discussion which could be applied to lending in any emerging market.<\/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>1. La demanda de cr\u00e9dito ya existe<\/h2><p>According to Waqas, it is access, not demand, that is the real challenge.<\/p><p>Dado que solo el 2,41 TP3T de la poblaci\u00f3n de Pakist\u00e1n tiene acceso a cr\u00e9ditos formales, muchas personas siguen recurriendo a familiares y amigos cuando necesitan ayuda econ\u00f3mica. La oportunidad para los prestamistas no consiste en crear demanda, sino en eliminar las barreras que impiden a las personas acceder a productos financieros adecuados.<\/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>2. Reducir la fricci\u00f3n importa tanto como gestionar el riesgo<\/h2><p class=\"isSelectedEnd\">Los procesos de pr\u00e9stamos tradicionales pueden excluir involuntariamente a las mismas personas a las que est\u00e1n dise\u00f1ados para servir.<\/p><p class=\"isSelectedEnd\">Seg\u00fan explica Waqas, las solicitudes largas, la documentaci\u00f3n extensa y las visitas repetidas a las sucursales a menudo hacen que los solicitantes abandonen el proceso antes de que se tome una decisi\u00f3n de pr\u00e9stamo.<\/p><p>El Banco de Punjab respondi\u00f3 redise\u00f1ando la experiencia del cliente de principio a fin, creando un proceso de solicitud digital con documentaci\u00f3n m\u00ednima que refleja mejor las realidades de los agricultores, las microempresas y otros clientes desatendidos.<\/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-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 decoding=\"async\" data-attachment-id=\"4378\" data-permalink=\"https:\/\/www.begini.co\/es\/agri-lending\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Agri-Lending.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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Agri Lending\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Agri-Lending.webp?fit=800%2C534&amp;ssl=1\" width=\"1200\" height=\"800\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Agri-Lending.webp?fit=1200%2C800&amp;ssl=1\" class=\"attachment-full size-full wp-image-4378\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Agri-Lending.webp?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Agri-Lending.webp?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Agri-Lending.webp?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Agri-Lending.webp?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Agri-Lending.webp?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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>Agricultura en Pakist\u00e1n, donde los nuevos modelos est\u00e1n ayudando a quienes antes eran invisibles para los prestamistas.\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>3. La innovaci\u00f3n proviene de probar nuevos enfoques<\/h2><p>En lugar de depender de una \u00fanica fuente de informaci\u00f3n, el banco experiment\u00f3 con una variedad de fuentes de datos alternativas para comprender mejor a los clientes.<\/p><p>These included behavioural data through psychometric assessments, delivered in partnership with Begini, alongside innovations such as satellite imagery for specific programmes. The focus wasn&#8217;t simply on collecting more data, but on finding practical ways to make better lending decisions for people with limited traditional credit histories.<\/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-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>4. La experiencia del cliente permite la escalabilidad<\/h2><p>Uno de los resultados m\u00e1s notables discutidos en el podcast fue la respuesta al viaje digital.<\/p><p>Reflecting on the introduction of Begini&#8217;s <a href=\"https:\/\/www.begini.co\/es\/solutions\/\" target=\"_blank\" rel=\"noopener\">three-minute psychometric assessment<\/a>, Waqas was candid about the team&#8217;s initial reservations:<\/p><p><strong><em>&#8220;Initially we were sceptical of what would come out of it; however, we were surprised at how easily people were able to complete that evaluation. Within a matter of three months, more than 1.8 million people completed that test. That was so astonishing for us.&#8221;<\/em><\/strong><\/p><p>It&#8217;s a powerful reminder that well-designed digital experiences can achieve engagement at extraordinary scale. The behavioural data collected through the assessment then became part of the bank&#8217;s broader decisioning models, helping automate lending while maintaining a simple experience for applicants.<\/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-447ad1c elementor-widget elementor-widget-text-editor\" data-id=\"447ad1c\" 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>5. La inclusi\u00f3n financiera crea un mayor impacto econ\u00f3mico<\/h2><p>La conversaci\u00f3n termina con un recordatorio importante de que prestar es solo una parte de la historia.<\/p><p>El Banco de Punjab ha aprobado a m\u00e1s de 900.000 agricultores a trav\u00e9s del programa, lo que representa una financiaci\u00f3n de m\u00e1s de 100.000 millones de PKR. M\u00e1s all\u00e1 de ampliar el acceso a la financiaci\u00f3n, Waqas describe el impacto m\u00e1s amplio en la productividad agr\u00edcola, la creaci\u00f3n de empleo y la creciente econom\u00eda digital de Pakist\u00e1n.<\/p><p>Es un poderoso ejemplo de c\u00f3mo mejores experiencias de cr\u00e9dito pueden beneficiar a individuos, empresas y comunidades enteras.<br \/><br \/>El programa demuestra c\u00f3mo los pr\u00e9stamos digitales, respaldados por datos de comportamiento y modelos de toma de decisiones modernos, pueden expandir responsablemente la inclusi\u00f3n financiera sin sacrificar la eficiencia operativa.<\/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-1e8b71b elementor-widget elementor-widget-text-editor\" data-id=\"1e8b71b\" 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>Podcast de pr\u00e9stamos digitales: Escucha el episodio completo<\/h2><p class=\"isSelectedEnd\">Hay muchas m\u00e1s ideas en la discusi\u00f3n completa entre Brendan le Grange y Waqas Javed, que abordan la transformaci\u00f3n digital, la experiencia del cliente, los datos alternativos y el futuro de la inclusi\u00f3n financiera.<\/p><p>Si te interesa c\u00f3mo los prestamistas pueden expandir responsablemente el acceso al cr\u00e9dito a escala, te recomendamos encarecidamente que escuches el episodio completo de <a href=\"https:\/\/www.howtolendmoneytostrangers.show\/episodes\/episode-202\" target=\"_blank\" rel=\"noopener\"><em>C\u00f3mo prestar dinero a desconocidos<\/em>. <\/a><\/p><p>Gracias a Brendan por llevar estas importantes conversaciones a una audiencia m\u00e1s amplia y por resaltar enfoques innovadores de toda la industria de servicios financieros.<\/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-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\" id=\"hide-heading\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Preguntas frecuentes sobre datos de comportamiento y financiaci\u00f3n de la vivienda<\/h3>\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\">\u00bfQu\u00e9 son los datos conductuales en pr\u00e9stamos?<\/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 class=\"PDq2pG_selectionAnchorContainer\" data-start=\"2323\" data-end=\"2530\">Los datos de comportamiento miden c\u00f3mo los solicitantes interact\u00faan con evaluaciones digitales cuidadosamente dise\u00f1adas, proporcionando informaci\u00f3n adicional que puede complementar la informaci\u00f3n crediticia tradicional al evaluar la solvencia.<\/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\" id=\"hide-heading\" 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\">Ver m\u00e1s\nbuenos prestatarios.<\/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 ofrece evaluaci\u00f3n de cr\u00e9dito conductual en tiempo real a prestamistas en mercados emergentes, para que pueda hacer crecer su cartera con prestatarios que los modelos tradicionales nunca vieron. Hablemos de su 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-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-5f0f269 elementor-widget elementor-widget-heading\" data-id=\"5f0f269\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"hide-heading\" 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\">M\u00e1s desde el campo<\/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;\" data-image-caption=\"&lt;p&gt;expanding credit access in informal economies with behavioural analytics&lt;\/p&gt;\" 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\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Datos alternativos<\/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\tPor qu\u00e9 el historial crediticio por s\u00ed solo fracasa en econom\u00edas informales\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 Por qu\u00e9 el historial crediticio fracasa por s\u00ed solo en las econom\u00edas informales\" tabindex=\"-1\" >\n\t\t\tLeer M\u00e1s \"\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 loading=\"lazy\" decoding=\"async\" data-attachment-id=\"3743\" data-permalink=\"https:\/\/www.begini.co\/es\/finalco-adopts-beginis-behavioural-insights\/finalco-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2025\/11\/Finalco.jpg?fit=1200%2C800&amp;ssl=1\" data-orig-size=\"1200,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"Finalco\" data-image-description=\"&lt;p&gt;Financial inclusion in Colombia&lt;\/p&gt;\" data-image-caption=\"&lt;p&gt;Financial inclusion in Colombia&lt;\/p&gt;\" 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\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Datos alternativos<\/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 y Begini ampl\u00edan el cr\u00e9dito justo en 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 y Begini ampl\u00edan el cr\u00e9dito justo en Colombia\" tabindex=\"-1\" >\n\t\t\tLeer M\u00e1s \"\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;\" 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\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Datos alternativos<\/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 y Bank of Punjab unen sus fuerzas para ampliar la inclusi\u00f3n financiera impulsada por la IA\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 y Bank of Punjab unen sus fuerzas para ampliar la inclusi\u00f3n financiera impulsada por la IA\" tabindex=\"-1\" >\n\t\t\tLeer M\u00e1s \"\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>","protected":false},"excerpt":{"rendered":"<p>Descubra cinco lecciones de la transformaci\u00f3n de pr\u00e9stamos digitales del Bank of Punjab, incluyendo c\u00f3mo los datos alternativos y las evaluaciones de comportamiento est\u00e1n ampliando la inclusi\u00f3n financiera.<\/p>","protected":false},"author":209526199,"featured_media":4378,"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-4718","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 v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 lessons for lenders from Bank of Punjab&#039;s digital lending transformation - Begini<\/title>\n<meta name=\"description\" content=\"Discover five lessons from Bank of Punjab&#039;s digital lending transformation, including how 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