{"id":4718,"date":"2026-07-09T11:18:35","date_gmt":"2026-07-09T01:18:35","guid":{"rendered":"https:\/\/www.begini.co\/?p=4718"},"modified":"2026-08-24T12:23:43","modified_gmt":"2026-08-24T02:23:43","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":"\t\t<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\" 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-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\">5 lessons for lenders from Bank of Punjab&#8217;s digital lending transformation<\/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>Discover five lessons from Bank of Punjab&#8217;s digital lending transformation, including how alternative data and behavioural assessments are expanding financial inclusion.<\/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>julio 9, 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\/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-0b96286 e-grid e-con-boxed e-con e-parent\" data-id=\"0b96286\" 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-30b7914 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"30b7914\" 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;marker_view&quot;:&quot;bullets&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:96,&quot;sticky_parent&quot;:&quot;yes&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;:[]},&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" 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\tON THIS PAGE\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__30b7914\" 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__30b7914\" 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__30b7914\" 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<div class=\"elementor-element elementor-element-f1cf782 e-con-full e-grid e-con e-child\" data-id=\"f1cf782\" 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\">Editor&#8217;s note:<\/strong> This article summarises key insights from Brendan le Grange&#8217;s <em data-start=\"3026\" data-end=\"3058\">How to Lend Money to Strangers<\/em> podcast featuring Waqas Javed, Head of Data Science at Bank of Punjab.\u00a0<\/p><p>We encourage readers to listen to the full episode, which is linked below:<br \/><br \/><a href=\"https:\/\/www.howtolendmoneytostrangers.show\/episodes\/episode-202\" target=\"_blank\" rel=\"noopener\">EP202: Solving big problems in innovative ways, with 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\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\" 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\" data-attachment-id=\"4725\" data-permalink=\"https:\/\/www.begini.co\/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-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\" \/>\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\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. The demand for credit already exists<\/h2><p>According to Waqas, it is access, not demand, that is the real challenge.<\/p><p>With only 2.4% of Pakistan&#8217;s population accessing formal lending, many people still rely on family and friends when they need financial support. The opportunity for lenders isn&#8217;t to create demand, but to remove the barriers preventing people from accessing appropriate financial products.<\/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. Reducing friction matters as much as managing risk<\/h2><p class=\"isSelectedEnd\">Traditional lending processes can unintentionally exclude the very people they are designed to serve.<\/p><p class=\"isSelectedEnd\">As Waqas explains, lengthy applications, extensive documentation and repeated branch visits often cause applicants to abandon the process before a lending decision is even made.<\/p><p>The Bank of Punjab responded by redesigning the customer journey from end to end, creating a digital application process with minimal documentation that better reflects the realities of farmers, microbusinesses and other underserved customers.<\/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\" 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\" data-attachment-id=\"4378\" data-permalink=\"https:\/\/www.begini.co\/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;orientation&quot;:&quot;1&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\" \/>\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>Farming in Pakistan, 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>3. Innovation comes from testing new approaches<\/h2><p>Rather than relying on a single source of information, the bank experimented with a range of alternative data sources to better understand customers.<\/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. Customer experience enables scale<\/h2><p>One of the most remarkable outcomes discussed in the podcast was the response to the digital journey.<\/p><p>Reflecting on the introduction of Begini&#8217;s <a href=\"https:\/\/www.begini.co\/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. Financial inclusion creates wider economic impact<\/h2><p>The conversation finishes with an important reminder that lending is only part of the story.<\/p><p>Bank of Punjab has now approved more than 900,000 farmers through the programme, representing lending of more than PKR 100 billion. Beyond expanding access to finance, Waqas describes the wider impact on agricultural productivity, job creation and Pakistan&#8217;s growing digital economy.<\/p><p>It&#8217;s a powerful example of how better lending journeys can benefit individuals, businesses and entire communities.<br \/><br \/>The programme demonstrates how digital lending, supported by behavioural data and modern decisioning models, can responsibly expand financial inclusion without sacrificing operational efficiency.<\/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>Digital lending podcast: Listen to the full episode<\/h2><p class=\"isSelectedEnd\">There are many more insights in the full discussion between Brendan le Grange and Waqas Javed, covering digital transformation, customer experience, alternative data and the future of financial inclusion.<\/p><p>If you&#8217;re interested in how lenders can responsibly expand access to credit at scale, we highly recommend listening to the full episode of <a href=\"https:\/\/www.howtolendmoneytostrangers.show\/episodes\/episode-202\" target=\"_blank\" rel=\"noopener\"><em>How to Lend Money to Strangers<\/em>. <\/a><\/p><p>Thank you to Brendan for bringing these important conversations to a wider audience and for highlighting innovative approaches from across the financial services industry.<\/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\">Frequently asked questions about behavioural data and housing finance<\/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\">What is behavioural data in lending?<\/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\">Behavioural data measures how applicants interact with carefully designed digital assessments, providing additional insight that can complement traditional credit information when assessing creditworthiness.<\/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\">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-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\">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\" 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;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 loading=\"lazy\" decoding=\"async\" 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;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\" 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;camera&quot;:&quot;ILCE-7M3&quot;,&quot;created_timestamp&quot;:&quot;1541461458&quot;,&quot;focal_length&quot;:&quot;86&quot;,&quot;iso&quot;:&quot;640&quot;,&quot;shutter_speed&quot;:&quot;0.04&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>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 v28.6 - 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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