{"id":5092,"date":"2026-08-26T10:01:08","date_gmt":"2026-08-26T00:01:08","guid":{"rendered":"https:\/\/www.begini.co\/?p=5092"},"modified":"2026-08-26T10:17:13","modified_gmt":"2026-08-26T00:17:13","slug":"behavioural-credit-scoring-use-cases","status":"publish","type":"post","link":"https:\/\/www.begini.co\/es\/behavioural-credit-scoring-use-cases\/","title":{"rendered":"6 casos de uso de la puntuaci\u00f3n de cr\u00e9dito conductual en los pr\u00e9stamos"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5092\" class=\"elementor elementor-5092\" 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__width-initial 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\">6 Use Cases for Behavioural Credit Scoring in Lending<\/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__width-initial 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>Credit assessment is changing as lenders look for better ways to understand applicants who are difficult to assess using conventional data alone.<\/p><p>\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-7f62ecb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7f62ecb\" 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-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>agosto 26, 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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0110d66 e-flex e-con-boxed e-con e-parent\" data-id=\"0110d66\" 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-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;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\tIN THIS ARTICLE\t\t\t<\/h4>\n\t\t\t\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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d5e6cb3 e-flex e-con-boxed e-con e-parent\" data-id=\"d5e6cb3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f32aad1 e-con-full e-flex e-con e-child\" data-id=\"f32aad1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-63c4e00 e-con-full e-flex e-con e-child\" data-id=\"63c4e00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-932c74a elementor-widget elementor-widget-text-editor\" data-id=\"932c74a\" 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>A consumer may be new to credit. A small business owner may have limited financial records. A farmer may earn most of their income seasonally. A housing applicant may have reliable income that is difficult to document.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7529219 e-con-full e-flex e-con e-child\" data-id=\"7529219\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9172f97 elementor-widget elementor-widget-text-editor\" data-id=\"9172f97\" 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>The circumstances are different, but the credit assessment challenge is similar: <strong>how do you make a fair lending decision when the available financial data does not tell the full story?<\/strong><\/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>\n\t\t\t\t<div class=\"elementor-element elementor-element-3703e40 elementor-widget elementor-widget-text-editor\" data-id=\"3703e40\" 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 data-dc-tpl=\"50\" data-om-id=\"5991f68a:54\">Behavioural credit scoring provides lenders with an additional source of information. Using a short digital assessment, lenders can measure behavioural characteristics associated with credit risk and repayment, adding a new signal alongside existing credit data and scorecards.<\/p><p data-dc-tpl=\"51\" data-om-id=\"5991f68a:55\">Here are six lending use cases where behavioural credit assessment can be particularly valuable.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56790f1 e-flex e-con-boxed e-con e-parent\" data-id=\"56790f1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-13dc7a8 e-con-full e-flex e-con e-child\" data-id=\"13dc7a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-45a9020 e-con-full e-flex e-con e-child\" data-id=\"45a9020\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c120c66 e-con-full e-flex e-con e-child\" data-id=\"c120c66\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d87ce8 elementor-widget elementor-widget-text-editor\" data-id=\"4d87ce8\" 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>1<\/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-ba185e4 elementor-widget elementor-widget-heading\" data-id=\"ba185e4\" 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\">Consumer lending: assessing thin-file and new-to-credit borrowers\n<\/h2>\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-1f4ed8e e-con-full e-flex e-con e-child\" data-id=\"1f4ed8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-890cd30 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"890cd30\" 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\" width=\"1200\" height=\"800\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg?fit=1200%2C800&amp;ssl=1\" class=\"attachment-full size-full wp-image-2848\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg?resize=768%2C512&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-attachment-id=\"2848\" data-permalink=\"https:\/\/www.begini.co\/psychometrics-what-makes-a-reliable-borrower\/psychometrics-2-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg?fit=1200%2C800&amp;ssl=1\" data-orig-size=\"1200,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"Psychometrics 2\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Group of young people using their smart phones&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/06\/Psychometrics-2.jpg?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-5a5b5d9 elementor-widget elementor-widget-text-editor\" data-id=\"5a5b5d9\" 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>Consumer lending is increasingly digital, but many potential borrowers still have limited credit histories.<\/p><p>This is particularly common in emerging markets and among younger consumers, people entering the formal financial system for the first time, and applicants whose previous financial activity has not created a strong bureau record.<\/p><p>For lenders, relying solely on conventional credit data can make these applicants difficult to differentiate. Good potential borrowers may be declined simply because there is not enough information available to assess them confidently.<\/p><p>Behavioural credit scoring can add another risk signal, helping lenders understand characteristics associated with how an applicant is likely to approach credit and repayment.<\/p><p>It can support pre-qualification, instant digital decisions, second-look policies and lending to new-to-credit 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-56a5c56 e-transform elementor-widget elementor-widget-button\" data-id=\"56a5c56\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-1,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.begini.co\/use-cases\/consumer-lending\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Explore behavioural credit scoring for consumer lending<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15a1909 e-flex e-con-boxed e-con e-parent\" data-id=\"15a1909\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d0fd9b5 e-con-full e-flex e-con e-child\" data-id=\"d0fd9b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fc48e7c e-con-full e-flex e-con e-child\" data-id=\"fc48e7c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88ded85 elementor-widget elementor-widget-text-editor\" data-id=\"88ded85\" 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>2<\/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-b67c1b1 elementor-widget elementor-widget-heading\" data-id=\"b67c1b1\" 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\">MSME finance: looking beyond incomplete business records\n<\/h2>\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-7932905 e-con-full e-flex e-con e-child\" data-id=\"7932905\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9474b4e elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"9474b4e\" 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\/2024\/05\/MSMEs.jpg?fit=1200%2C800&amp;ssl=1\" class=\"attachment-full size-full wp-image-2621\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?resize=768%2C512&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-attachment-id=\"2621\" data-permalink=\"https:\/\/www.begini.co\/modern-credit-data-for-msmes\/msmes\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.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=\"MSMEs\" data-image-description=\"&lt;p&gt;Small business owner&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Small business owner&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2024\/05\/MSMEs.jpg?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-14a8115 elementor-widget elementor-widget-text-editor\" data-id=\"14a8115\" 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>Small and micro businesses are critical to economies around the world, yet many remain underserved by formal credit.<\/p><p>One reason is data.<\/p><p>An MSME may have limited financial statements, irregular cash flow or little formal borrowing history. In smaller businesses, there may also be little separation between the financial behaviour of the business and the person running it.<\/p><p>Behavioural assessment gives lenders an additional way to evaluate the individual behind the business.<\/p><p>Rather than attempting to replace financial or business data, it can complement existing assessment by adding information about behavioural characteristics associated with repayment. This can be particularly useful for owner-managed businesses, sole traders and first-time business borrowers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-099a8e9 e-transform elementor-widget elementor-widget-button\" data-id=\"099a8e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-1,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.begini.co\/use-cases\/msme-finance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Explore behavioural credit scoring for MSME Finance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8aeae03 e-flex e-con-boxed e-con e-parent\" data-id=\"8aeae03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-00d38bb e-con-full e-flex e-con e-child\" data-id=\"00d38bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-50357ca e-con-full e-flex e-con e-child\" data-id=\"50357ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4dc05a elementor-widget elementor-widget-text-editor\" data-id=\"b4dc05a\" 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>3<\/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-8911a7c elementor-widget elementor-widget-heading\" data-id=\"8911a7c\" 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\">Microfinance: scaling assessment while managing portfolio risk<\/h2>\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-ee40dfc e-con-full e-flex e-con e-child\" data-id=\"ee40dfc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bdb579 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"5bdb579\" 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\/03\/Beyond-the-Bureau.webp?fit=1200%2C800&amp;ssl=1\" class=\"attachment-full size-full wp-image-3953\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-attachment-id=\"3953\" data-permalink=\"https:\/\/www.begini.co\/beyond-the-credit-bureau\/beyond-the-bureau\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?fit=1200%2C800&amp;ssl=1\" data-orig-size=\"1200,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"Beyond the Bureau\" data-image-description=\"&lt;p&gt;Two young latin american women shopping.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Alternative credit scoring in LATAM&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/03\/Beyond-the-Bureau.webp?fit=800%2C534&amp;ssl=1\" \/>\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-82a1497 elementor-widget elementor-widget-text-editor\" data-id=\"82a1497\" 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>Microfinance has long helped people and small businesses access credit when conventional banking does not meet their needs.<\/p><p>But as microfinance institutions grow and digitise, they face an important challenge: how to assess more applicants efficiently while maintaining responsible lending standards and portfolio quality.<\/p><p>Many borrowers may have little or no formal credit history. Manual interviews and relationship-based assessment can provide useful information, but they are difficult to apply consistently at scale.<\/p><p>A digital behavioural assessment can provide a standardised additional signal for each applicant. This can support first-loan screening, second-loan decisions, loan-size policies and the expansion of lending into new customer segments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99e5913 e-con-full e-flex e-con e-child\" data-id=\"99e5913\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5196be1 e-con-full e-flex e-con e-child\" data-id=\"5196be1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a6e350 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7a6e350\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-quote-left\"><\/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<\/div>\n\t\t<div class=\"elementor-element elementor-element-060e360 e-con-full e-flex e-con e-child\" data-id=\"060e360\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0aef0f6 elementor-widget elementor-widget-text-editor\" data-id=\"0aef0f6\" 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<div data-dc-tpl=\"92\" data-om-id=\"868cbfe3:96\"><p data-dc-tpl=\"94\" data-om-id=\"868cbfe3:98\">For lenders such as Solvenza in Honduras, behavioural scoring is already being used to identify creditworthy borrowers who might otherwise be difficult to assess using traditional information alone.<\/p><\/div>\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<div class=\"elementor-element elementor-element-549f1c2 e-transform elementor-widget elementor-widget-button\" data-id=\"549f1c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-1,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.begini.co\/use-cases\/microfinance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Explore behavioural credit scoring for Microfinance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4e6fe8 e-flex e-con-boxed e-con e-parent\" data-id=\"f4e6fe8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f90180b e-con-full e-flex e-con e-child\" data-id=\"f90180b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a872d2a e-con-full e-flex e-con e-child\" data-id=\"a872d2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0cd1bf6 elementor-widget elementor-widget-text-editor\" data-id=\"0cd1bf6\" 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>4<\/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-33f8c6c elementor-widget elementor-widget-heading\" data-id=\"33f8c6c\" 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\">Housing finance: assessing borrowers with informal income<\/h2>\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-5a19b85 e-con-full e-flex e-con e-child\" data-id=\"5a19b85\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c160ee0 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"c160ee0\" 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 loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/colombia_sm.webp?fit=1200%2C800&amp;ssl=1\" class=\"attachment-full size-full wp-image-4377\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/colombia_sm.webp?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/colombia_sm.webp?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/colombia_sm.webp?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/colombia_sm.webp?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/colombia_sm.webp?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-attachment-id=\"4377\" data-permalink=\"https:\/\/www.begini.co\/colombia_sm\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/colombia_sm.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=\"colombia_sm\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/colombia_sm.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-c06e693 elementor-widget elementor-widget-text-editor\" data-id=\"c06e693\" 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 finance presents a particularly difficult assessment problem in markets where large parts of the population earn income outside traditional salaried employment.<\/p><p>An applicant may have stable earnings and a strong willingness to repay, but limited payslips, formal employment records or conventional credit history.<\/p><p>This can leave potentially creditworthy households outside traditional mortgage and housing finance models.<\/p><p>Behavioural assessment gives housing lenders another way to understand the person behind the application. It can be used alongside affordability checks and existing risk models to support pre-qualification, second-look assessment and alternative housing finance products.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe5fd8c e-con-full e-flex e-con e-child\" data-id=\"fe5fd8c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a190dd2 e-con-full e-flex e-con e-child\" data-id=\"a190dd2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3eae2f elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c3eae2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-quote-left\"><\/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<\/div>\n\t\t<div class=\"elementor-element elementor-element-b0e4b18 e-con-full e-flex e-con e-child\" data-id=\"b0e4b18\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef29f8 elementor-widget elementor-widget-text-editor\" data-id=\"4ef29f8\" 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<div data-dc-tpl=\"92\" data-om-id=\"868cbfe3:96\"><p data-dc-tpl=\"94\" data-om-id=\"868cbfe3:98\">In Colombia, rent-to-own provider Duppla uses behavioural credit assessment as part of its approach to evaluating potential homeowners, including applicants who may not fit conventional bank lending criteria.<\/p><\/div>\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<div class=\"elementor-element elementor-element-55e3332 e-transform elementor-widget elementor-widget-button\" data-id=\"55e3332\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-1,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.begini.co\/use-cases\/housing-finance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Explore behavioural credit scoring for Housing Finance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1eea836 e-flex e-con-boxed e-con e-parent\" data-id=\"1eea836\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5373969 e-con-full e-flex e-con e-child\" data-id=\"5373969\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fe21b16 e-con-full e-flex e-con e-child\" data-id=\"fe21b16\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-783fadc elementor-widget elementor-widget-text-editor\" data-id=\"783fadc\" 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>5<\/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-b37f2de elementor-widget elementor-widget-heading\" data-id=\"b37f2de\" 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\">Agricultural lending: making sense of seasonal and irregular income<\/h2>\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-215780b e-con-full e-flex e-con e-child\" data-id=\"215780b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7913f51 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"7913f51\" 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 loading=\"lazy\" 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;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\" \/>\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-f998cec elementor-widget elementor-widget-text-editor\" data-id=\"f998cec\" 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>Agricultural borrowers rarely fit neatly into conventional monthly-income models.<\/p><p>Smallholder farmers may have seasonal cash flows, limited formal records and little bureau history. Their ability to repay may also depend on harvest cycles and the timing of agricultural income.<\/p><p>This creates a challenge for lenders trying to distinguish between a lack of conventional financial data and genuine credit risk.<\/p><p>Behavioural credit assessment can add another layer of information about the applicant, helping lenders evaluate characteristics associated with repayment alongside farm, income and financial data.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f537e1f e-con-full e-flex e-con e-child\" data-id=\"f537e1f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-99db408 e-con-full e-flex e-con e-child\" data-id=\"99db408\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ccbd23 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9ccbd23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-quote-left\"><\/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<\/div>\n\t\t<div class=\"elementor-element elementor-element-b898a06 e-con-full e-flex e-con e-child\" data-id=\"b898a06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b1fc29 elementor-widget elementor-widget-text-editor\" data-id=\"7b1fc29\" 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<div data-dc-tpl=\"92\" data-om-id=\"868cbfe3:96\"><div data-dc-tpl=\"120\" data-om-id=\"868cbfe3:124\"><p data-dc-tpl=\"122\" data-om-id=\"868cbfe3:126\">This approach is already being applied in agricultural lending. In Pakistan, Bank of Punjab has used behavioural credit scoring in agricultural finance, including government-backed lending programmes designed to reach underserved farmers.<\/p><\/div><\/div>\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<div class=\"elementor-element elementor-element-852c1b5 e-transform elementor-widget elementor-widget-button\" data-id=\"852c1b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-1,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.begini.co\/use-cases\/agri-lending\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Explore behavioural credit scoring for Agri Lending<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b53d9c0 e-flex e-con-boxed e-con e-parent\" data-id=\"b53d9c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-31dd644 e-con-full e-flex e-con e-child\" data-id=\"31dd644\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7c97fd4 e-con-full e-flex e-con e-child\" data-id=\"7c97fd4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31aef14 elementor-widget elementor-widget-text-editor\" data-id=\"31aef14\" 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>6<\/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-d230093 elementor-widget elementor-widget-heading\" data-id=\"d230093\" 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\">Asset finance: understanding the borrower behind the asset<\/h2>\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-79e338d e-con-full e-flex e-con e-child\" data-id=\"79e338d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23068a2 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"23068a2\" 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 loading=\"lazy\" decoding=\"async\" width=\"1248\" height=\"832\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/MSME-Finance_web.jpg?fit=1248%2C832&amp;ssl=1\" class=\"attachment-full size-full wp-image-4846\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/MSME-Finance_web.jpg?w=1248&amp;ssl=1 1248w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/MSME-Finance_web.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/MSME-Finance_web.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/MSME-Finance_web.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/MSME-Finance_web.jpg?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-attachment-id=\"4846\" data-permalink=\"https:\/\/www.begini.co\/use-cases\/msme-finance_web\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/MSME-Finance_web.jpg?fit=1248%2C832&amp;ssl=1\" data-orig-size=\"1248,832\" 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;@Wazzkii&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=\"MSME-Finance_web\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/MSME-Finance_web.jpg?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-008345d elementor-widget elementor-widget-text-editor\" data-id=\"008345d\" 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>Asset finance helps people and businesses access equipment, vehicles and other productive assets without needing to pay the full cost upfront.<\/p><p>The asset itself may provide some security for the lender, but collateral does not necessarily answer an important question: how is this borrower likely to approach repayment?<\/p><p>This is particularly relevant when financing customers with limited credit histories or informal income.<\/p><p>Behavioural credit assessment provides an additional view of the borrower behind the asset. Lenders can use it for point-of-sale approvals, risk-based pricing, dealer or agent-assisted lending and decisions about repeat customers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c9376ba e-con-full e-flex e-con e-child\" data-id=\"c9376ba\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4406b7f e-con-full e-flex e-con e-child\" data-id=\"4406b7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ccd5f6 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0ccd5f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-quote-left\"><\/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<\/div>\n\t\t<div class=\"elementor-element elementor-element-c206fc4 e-con-full e-flex e-con e-child\" data-id=\"c206fc4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae543df elementor-widget elementor-widget-text-editor\" data-id=\"ae543df\" 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<div data-dc-tpl=\"92\" data-om-id=\"868cbfe3:96\"><div data-dc-tpl=\"120\" data-om-id=\"868cbfe3:124\"><p data-dc-tpl=\"122\" data-om-id=\"868cbfe3:126\">Begini worked with an African asset finance provider who used behavioural assessment to support its credit decisioning, contributing to a 300% increase in approvals while managing credit risk.<\/p><\/div><\/div>\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<div class=\"elementor-element elementor-element-8c750c9 e-transform elementor-widget elementor-widget-button\" data-id=\"8c750c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-1,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.begini.co\/use-cases\/asset-finance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Explore behavioural credit scoring asset finance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f6ed9f e-flex e-con-boxed e-con e-parent\" data-id=\"4f6ed9f\" 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-cd1aaa3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"cd1aaa3\" 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-f43298b elementor-widget elementor-widget-heading\" data-id=\"f43298b\" 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\">What do these lending use cases have in common?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7c0a8a elementor-widget elementor-widget-text-editor\" data-id=\"b7c0a8a\" 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>Consumer lending, microfinance and agricultural finance can look very different. Yet the underlying assessment problems often overlap.<\/p><p>Behavioural credit scoring is particularly relevant when:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4cb0e5 e-con-full e-flex e-con e-child\" data-id=\"f4cb0e5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad41b68 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"ad41b68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/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<div class=\"elementor-element elementor-element-e3d4898 elementor-widget elementor-widget-text-editor\" data-id=\"e3d4898\" 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>Traditional data is incomplete.<\/strong> Applicants may have limited bureau history, irregular income or few formal financial records.<\/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-3c5e052 e-con-full e-flex e-con e-child\" data-id=\"3c5e052\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9766862 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"9766862\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/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<div class=\"elementor-element elementor-element-f87bc8e elementor-widget elementor-widget-text-editor\" data-id=\"f87bc8e\" 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>The lender needs another view of the applicant.<\/strong> Behavioural assessment adds information about the person behind the financial data.<\/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-635f2a4 e-con-full e-flex e-con e-child\" data-id=\"635f2a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e187ad elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"3e187ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/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<div class=\"elementor-element elementor-element-2cf8146 elementor-widget elementor-widget-text-editor\" data-id=\"2cf8146\" 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>Good borrowers are difficult to identify.<\/strong> More information can help lenders distinguish between an applicant who lacks data and one who presents higher credit risk.<\/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-cd78732 e-con-full e-flex e-con e-child\" data-id=\"cd78732\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee09f6a elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"ee09f6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/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<div class=\"elementor-element elementor-element-aa69736 elementor-widget elementor-widget-text-editor\" data-id=\"aa69736\" 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>Decisions need to scale.<\/strong> A digital assessment can provide a consistent signal across large applicant populations and different lending channels.<\/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-e748446 elementor-widget elementor-widget-text-editor\" data-id=\"e748446\" 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>The aim is not to replace existing credit data or lending policies. It is to give lenders another source of information when making a decision.<\/p><p>For lenders trying to expand access to credit while maintaining portfolio quality, that additional signal can make a meaningful difference.<\/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-d6d8491 e-flex e-con-boxed e-con e-parent\" data-id=\"d6d8491\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ebd9793 e-con-full e-flex e-con e-child\" data-id=\"ebd9793\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-813f76c elementor-widget elementor-widget-heading\" data-id=\"813f76c\" 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<h3 class=\"elementor-heading-title elementor-size-default\">want to know more?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f64d0f6 elementor-widget elementor-widget-heading\" data-id=\"f64d0f6\" 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<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e53d4e elementor-widget elementor-widget-n-accordion\" data-id=\"1e53d4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3180\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3180\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is behavioural credit scoring? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3180\" class=\"elementor-element elementor-element-2ee69b2 e-con-full e-flex e-con e-child\" data-id=\"2ee69b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7d8f82 elementor-widget elementor-widget-text-editor\" data-id=\"b7d8f82\" 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><br \/>Behavioural credit scoring uses information about an applicant&#8217;s behavioural characteristics to help assess credit risk. Begini uses short, gamified psychometric assessments to measure characteristics associated with repayment behaviour and produce a behavioural credit risk signal for lenders.<\/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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3181\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3181\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What types of lenders can use behavioural credit scoring? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3181\" class=\"elementor-element elementor-element-f4e28d7 e-con-full e-flex e-con e-child\" data-id=\"f4e28d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c98751 elementor-widget elementor-widget-text-editor\" data-id=\"2c98751\" 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>Behavioural credit scoring can be used across many forms of lending, including consumer lending, MSME finance, microfinance, housing finance, agricultural lending and asset finance. It is particularly useful where applicants have limited traditional credit data.<\/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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3182\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3182\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> When is behavioural data most useful in credit assessment? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3182\" class=\"elementor-element elementor-element-f498066 e-con-full e-flex e-con e-child\" data-id=\"f498066\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f279cd elementor-widget elementor-widget-text-editor\" data-id=\"0f279cd\" 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>Behavioural data can be particularly useful for thin-file, new-to-credit and underserved applicants, as well as borrowers with irregular or informal income and limited financial records.<\/p><p>\u00a0<\/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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3183\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3183\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does behavioural credit scoring replace traditional credit data? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3183\" class=\"elementor-element elementor-element-64aeb25 e-con-full e-flex e-con e-child\" data-id=\"64aeb25\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6c0fcc elementor-widget elementor-widget-text-editor\" data-id=\"a6c0fcc\" 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>No. Behavioural credit scoring can complement bureau data, affordability assessments, transaction data and lenders&#8217; existing scorecards and credit policies. It provides an additional signal to help lenders build a fuller picture of an applicant.<\/p><p>\u00a0<\/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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3184\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3184\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Can behavioural credit scoring help lenders approve more borrowers? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3184\" class=\"elementor-element elementor-element-50e1d1a e-con-full e-flex e-con e-child\" data-id=\"50e1d1a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28b8828 elementor-widget elementor-widget-text-editor\" data-id=\"28b8828\" 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>It can help lenders identify creditworthy applicants who may be difficult to assess using conventional data alone. How the score is used in approval decisions depends on the lender&#8217;s own credit policy, risk appetite and other available information.<\/p><p>\u00a0<\/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\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is behavioural credit scoring?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Behavioural credit scoring uses information about an applicant&#8217;s behavioural characteristics to help assess credit risk. Begini uses short, gamified psychometric assessments to measure characteristics associated with repayment behaviour and produce a behavioural credit risk signal for lenders.\"}},{\"@type\":\"Question\",\"name\":\"What types of lenders can use behavioural credit scoring?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Behavioural credit scoring can be used across many forms of lending, including consumer lending, MSME finance, microfinance, housing finance, agricultural lending and asset finance. It is particularly useful where applicants have limited traditional credit data.\"}},{\"@type\":\"Question\",\"name\":\"When is behavioural data most useful in credit assessment?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Behavioural data can be particularly useful for thin-file, new-to-credit and underserved applicants, as well as borrowers with irregular or informal income and limited financial records.\\u00a0\"}},{\"@type\":\"Question\",\"name\":\"Does behavioural credit scoring replace traditional credit data?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Behavioural credit scoring can complement bureau data, affordability assessments, transaction data and lenders&#8217; existing scorecards and credit policies. It provides an additional signal to help lenders build a fuller picture of an applicant.\\u00a0\"}},{\"@type\":\"Question\",\"name\":\"Can behavioural credit scoring help lenders approve more borrowers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It can help lenders identify creditworthy applicants who may be difficult to assess using conventional data alone. How the score is used in approval decisions depends on the lender&#8217;s own credit policy, risk appetite and other available information.\\u00a0\"}}]}<\/script>\n\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-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-con-full e-flex 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<div class=\"elementor-element elementor-element-6990ad2 e-con-full e-flex e-con e-child\" data-id=\"6990ad2\" data-element_type=\"container\" data-e-type=\"container\">\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<h3 class=\"elementor-heading-title elementor-size-default\">Add another signal to your lending decisions\n<\/h3>\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 provides behavioural credit scores designed specifically for lending. Our assessments can be integrated into existing digital lending journeys and used alongside your current data, scorecards and credit policies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-122f90c e-con-full e-flex e-con e-child\" data-id=\"122f90c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-293937d elementor-widget elementor-widget-button\" data-id=\"293937d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/www.begini.co\/try\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book a Demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffec93a elementor-widget elementor-widget-button\" data-id=\"ffec93a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.begini.co\/platform.\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See the platform<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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>La puntuaci\u00f3n crediticia basada en el comportamiento ayuda a los prestamistas a evaluar a los solicitantes con expedientes de cr\u00e9dito limitados. Seis casos de uso en pr\u00e9stamos al consumo, mipymes, microfinanzas, vivienda, agricultura y activos.<\/p>","protected":false},"author":209526199,"featured_media":4792,"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-5092","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 v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>6 Use Cases for Behavioural Credit Scoring in Lending - Begini<\/title>\n<meta name=\"description\" content=\"Behavioural credit scoring helps lenders assess thin-file applicants. Six use cases across consumer, MSME, microfinance, housing, agricultural and asset lending.\" \/>\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\/behavioural-credit-scoring-use-cases\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 Use Cases for Behavioural Credit Scoring in Lending - Begini\" \/>\n<meta property=\"og:description\" content=\"Behavioural credit scoring helps lenders assess thin-file applicants. Six use cases across consumer, MSME, microfinance, housing, agricultural and asset lending.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.begini.co\/es\/behavioural-credit-scoring-use-cases\/\" \/>\n<meta property=\"og:site_name\" content=\"Begini\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-26T00:01:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-26T00:17:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.begini.co\/wp-content\/uploads\/2026\/07\/SME_00069.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"acbegini\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"acbegini\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/\"},\"author\":{\"name\":\"acbegini\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/#\\\/schema\\\/person\\\/b43fddd1d3a9dc40ff7e76c59bf23f50\"},\"headline\":\"6 Use Cases for Behavioural Credit Scoring in Lending\",\"datePublished\":\"2026-08-26T00:01:08+00:00\",\"dateModified\":\"2026-08-26T00:17:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/\"},\"wordCount\":1538,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.begini.co\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/SME_00069.jpg?fit=1200%2C800&ssl=1\",\"keywords\":[\"Credit Score\",\"Financial Inclusion\",\"LATAM\"],\"articleSection\":[\"Alternative Data\",\"Financial Inclusion\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/\",\"url\":\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/\",\"name\":\"6 Use Cases for Behavioural Credit Scoring in Lending - Begini\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.begini.co\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/SME_00069.jpg?fit=1200%2C800&ssl=1\",\"datePublished\":\"2026-08-26T00:01:08+00:00\",\"dateModified\":\"2026-08-26T00:17:13+00:00\",\"description\":\"Behavioural credit scoring helps lenders assess thin-file applicants. Six use cases across consumer, MSME, microfinance, housing, agricultural and asset lending.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.begini.co\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/SME_00069.jpg?fit=1200%2C800&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.begini.co\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/SME_00069.jpg?fit=1200%2C800&ssl=1\",\"width\":1200,\"height\":800},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/behavioural-credit-scoring-use-cases\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.begini.co\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"6 Use Cases for Behavioural Credit Scoring in Lending\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/#website\",\"url\":\"https:\\\/\\\/www.begini.co\\\/\",\"name\":\"Begini\",\"description\":\"Measure what matters\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.begini.co\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/#organization\",\"name\":\"Begini\",\"url\":\"https:\\\/\\\/www.begini.co\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.begini.co\\\/wp-content\\\/uploads\\\/2021\\\/11\\\/Begini-logo_full-colour.png?fit=1709%2C639&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.begini.co\\\/wp-content\\\/uploads\\\/2021\\\/11\\\/Begini-logo_full-colour.png?fit=1709%2C639&ssl=1\",\"width\":1709,\"height\":639,\"caption\":\"Begini\"},\"image\":{\"@id\":\"https:\\\/\\\/www.begini.co\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/begini\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.begini.co\\\/#\\\/schema\\\/person\\\/b43fddd1d3a9dc40ff7e76c59bf23f50\",\"name\":\"acbegini\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e903faf7b20aa5fe525655b6f50d44bf04dca8fb1a015959785f10e22922a214?s=96&d=identicon&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e903faf7b20aa5fe525655b6f50d44bf04dca8fb1a015959785f10e22922a214?s=96&d=identicon&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e903faf7b20aa5fe525655b6f50d44bf04dca8fb1a015959785f10e22922a214?s=96&d=identicon&r=g\",\"caption\":\"acbegini\"},\"url\":\"https:\\\/\\\/www.begini.co\\\/es\\\/author\\\/acbegini\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"6 Use Cases for Behavioural Credit Scoring in Lending - Begini","description":"La puntuaci\u00f3n crediticia basada en el comportamiento ayuda a los prestamistas a evaluar a los solicitantes con expedientes de cr\u00e9dito limitados. Seis casos de uso en pr\u00e9stamos al consumo, mipymes, microfinanzas, vivienda, agricultura y activos.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.begini.co\/es\/behavioural-credit-scoring-use-cases\/","og_locale":"es_ES","og_type":"article","og_title":"6 Use Cases for Behavioural Credit Scoring in Lending - Begini","og_description":"Behavioural credit scoring helps lenders assess thin-file applicants. Six use cases across consumer, MSME, microfinance, housing, agricultural and asset lending.","og_url":"https:\/\/www.begini.co\/es\/behavioural-credit-scoring-use-cases\/","og_site_name":"Begini","article_published_time":"2026-08-26T00:01:08+00:00","article_modified_time":"2026-08-26T00:17:13+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/www.begini.co\/wp-content\/uploads\/2026\/07\/SME_00069.jpg","type":"image\/jpeg"}],"author":"acbegini","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"acbegini","Tiempo de lectura":"9 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/#article","isPartOf":{"@id":"https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/"},"author":{"name":"acbegini","@id":"https:\/\/www.begini.co\/#\/schema\/person\/b43fddd1d3a9dc40ff7e76c59bf23f50"},"headline":"6 Use Cases for Behavioural Credit Scoring in Lending","datePublished":"2026-08-26T00:01:08+00:00","dateModified":"2026-08-26T00:17:13+00:00","mainEntityOfPage":{"@id":"https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/"},"wordCount":1538,"commentCount":0,"publisher":{"@id":"https:\/\/www.begini.co\/#organization"},"image":{"@id":"https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/SME_00069.jpg?fit=1200%2C800&ssl=1","keywords":["Credit Score","Financial Inclusion","LATAM"],"articleSection":["Alternative Data","Financial Inclusion"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/","url":"https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/","name":"6 Use Cases for Behavioural Credit Scoring in Lending - Begini","isPartOf":{"@id":"https:\/\/www.begini.co\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/#primaryimage"},"image":{"@id":"https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/SME_00069.jpg?fit=1200%2C800&ssl=1","datePublished":"2026-08-26T00:01:08+00:00","dateModified":"2026-08-26T00:17:13+00:00","description":"La puntuaci\u00f3n crediticia basada en el comportamiento ayuda a los prestamistas a evaluar a los solicitantes con expedientes de cr\u00e9dito limitados. Seis casos de uso en pr\u00e9stamos al consumo, mipymes, microfinanzas, vivienda, agricultura y activos.","breadcrumb":{"@id":"https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/#primaryimage","url":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/SME_00069.jpg?fit=1200%2C800&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/SME_00069.jpg?fit=1200%2C800&ssl=1","width":1200,"height":800},{"@type":"BreadcrumbList","@id":"https:\/\/www.begini.co\/behavioural-credit-scoring-use-cases\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.begini.co\/"},{"@type":"ListItem","position":2,"name":"6 Use Cases for Behavioural Credit Scoring in Lending"}]},{"@type":"WebSite","@id":"https:\/\/www.begini.co\/#website","url":"https:\/\/www.begini.co\/","name":"Begini","description":"Mide lo que importa","publisher":{"@id":"https:\/\/www.begini.co\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.begini.co\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/www.begini.co\/#organization","name":"Begini","url":"https:\/\/www.begini.co\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.begini.co\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2021\/11\/Begini-logo_full-colour.png?fit=1709%2C639&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2021\/11\/Begini-logo_full-colour.png?fit=1709%2C639&ssl=1","width":1709,"height":639,"caption":"Begini"},"image":{"@id":"https:\/\/www.begini.co\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/begini\/"]},{"@type":"Person","@id":"https:\/\/www.begini.co\/#\/schema\/person\/b43fddd1d3a9dc40ff7e76c59bf23f50","name":"acbegini","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/e903faf7b20aa5fe525655b6f50d44bf04dca8fb1a015959785f10e22922a214?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e903faf7b20aa5fe525655b6f50d44bf04dca8fb1a015959785f10e22922a214?s=96&d=identicon&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e903faf7b20aa5fe525655b6f50d44bf04dca8fb1a015959785f10e22922a214?s=96&d=identicon&r=g","caption":"acbegini"},"url":"https:\/\/www.begini.co\/es\/author\/acbegini\/"}]}},"jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdtDxH-1k8","amp_enabled":false,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/07\/SME_00069.jpg?fit=1200%2C800&ssl=1","_links":{"self":[{"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/posts\/5092","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/users\/209526199"}],"replies":[{"embeddable":true,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/comments?post=5092"}],"version-history":[{"count":41,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/posts\/5092\/revisions"}],"predecessor-version":[{"id":5137,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/posts\/5092\/revisions\/5137"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/media\/4792"}],"wp:attachment":[{"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/media?parent=5092"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/categories?post=5092"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.begini.co\/es\/wp-json\/wp\/v2\/tags?post=5092"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}