{"id":5157,"date":"2026-10-16T14:47:59","date_gmt":"2026-10-16T03:47:59","guid":{"rendered":"https:\/\/www.begini.co\/?p=5157"},"modified":"2026-10-16T17:51:26","modified_gmt":"2026-10-16T06:51:26","slug":"new-generation-behavioural-credit-intelligence-platform","status":"publish","type":"post","link":"https:\/\/www.begini.co\/es\/new-generation-behavioural-credit-intelligence-platform\/","title":{"rendered":"Begini presenta una nueva generaci\u00f3n de inteligencia de cr\u00e9dito basada en el comportamiento"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5157\" class=\"elementor elementor-5157\" 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\">Begini introduces a new generation of behavioural credit intelligence<\/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>Expanded repayment and borrower insights, powered by AI-driven innovation and shaped by real-world lender feedback.<\/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>octubre 16, 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\t3 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-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>When we asked our customers what they wanted next from behavioural credit assessment, the message was clear: they valued the predictive power of Begini&#8217;s risk scores, but wanted to understand more about the people behind them.<\/p><p>That feedback sparked 12 months of intensive innovation across our behavioural assessments, scoring engines and analytics platform, accelerated by advances in AI.<\/p><p>Building on nearly 5 million assessments and years of real-world lending experience, we have developed new ways to identify meaningful behavioural patterns and translate them into practical credit intelligence.<\/p><p>Today, Begini&#8217;s expanded platform is live, providing lenders with deeper repayment and trait insights alongside our established predictive credit risk scores. More than 10,000 scores were generated in its first month, with adoption continuing to grow.<\/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-e84aaa8 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"e84aaa8\" 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=\"1671\" height=\"868\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-dashboard.png?fit=1671%2C868&amp;ssl=1\" class=\"attachment-full size-full wp-image-4594\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-dashboard.png?w=1671&amp;ssl=1 1671w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-dashboard.png?resize=300%2C156&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-dashboard.png?resize=1024%2C532&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-dashboard.png?resize=768%2C399&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-dashboard.png?resize=1536%2C798&amp;ssl=1 1536w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-dashboard.png?resize=18%2C9&amp;ssl=1 18w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-dashboard.png?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-attachment-id=\"4594\" data-permalink=\"https:\/\/www.begini.co\/platform-dashboard\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-dashboard.png?fit=1671%2C868&amp;ssl=1\" data-orig-size=\"1671,868\" data-comments-opened=\"1\" data-image-title=\"platform-dashboard\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-dashboard.png?fit=800%2C416&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>\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\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\">More insight from every assessment<\/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-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>Behavioural credit assessment uses first-party data captured through a short digital assessment to identify behavioural signals associated with credit risk and repayment.<\/p><p>For lenders, it provides a different source of information about an applicant, particularly when traditional credit histories are limited or do not provide the full picture.<\/p><p>The latest Begini platform brings several layers of behavioural intelligence together in one applicant result:<\/p><h3>Risk Score and Score Summary<\/h3><p>A predictive assessment of credit risk, with a clear summary to support lending decisions.<\/p><h3>Repayment Insights<\/h3><p>Additional indicators associated with expected repayment behaviour, giving lenders more information to support credit policy and customer management strategies.<\/p><h3>Trait Scores and Trait Insights<\/h3><p>A deeper understanding of behavioural characteristics relevant to financial decision-making, including consistency, patience, risk tolerance and self-control.<\/p><h3>Trust Rating and Session Information<\/h3><p>Information about assessment integrity and applicant interactions, helping lenders evaluate the reliability of the assessment session.<\/p><p>Together, these outputs give lenders a more complete behavioural picture, helping them make informed decisions and develop lending strategies that better serve their 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-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 decoding=\"async\" width=\"1670\" height=\"770\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-result-detail-e1782265748222.png?fit=1670%2C770&amp;ssl=1\" class=\"attachment-full size-full wp-image-4580\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-result-detail-e1782265748222.png?w=1670&amp;ssl=1 1670w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-result-detail-e1782265748222.png?resize=300%2C138&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-result-detail-e1782265748222.png?resize=1024%2C472&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-result-detail-e1782265748222.png?resize=768%2C354&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-result-detail-e1782265748222.png?resize=1536%2C708&amp;ssl=1 1536w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-result-detail-e1782265748222.png?resize=18%2C8&amp;ssl=1 18w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-result-detail-e1782265748222.png?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-attachment-id=\"4580\" data-permalink=\"https:\/\/www.begini.co\/platform\/platform-result-detail\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-result-detail-e1782265748222.png?fit=1670%2C770&amp;ssl=1\" data-orig-size=\"1670,770\" data-comments-opened=\"1\" data-image-title=\"platform-result-detail\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/platform-result-detail-e1782265748222.png?fit=800%2C369&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>\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\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\">Over 900 behavioural features. In under four minutes.<\/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-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>Behind the expanded insights is a new generation of Begini&#8217;s interactive behavioural assessments.<\/p><p>Our latest games capture more than 900 behavioural features through a short series of tasks, examining patterns in how applicants make decisions and interact with the assessment.<\/p><p>These signals are analysed by Begini&#8217;s models to generate information relevant to credit risk, repayment and behavioural traits.<\/p><p>The result is a rich source of first-party, opt-in, non-PII behavioural data that lenders can use alongside their existing credit information.<\/p><p>And for the applicant, the experience typically takes less than four minutes.<\/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-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=\"2400\" height=\"1800\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/10\/game-screens-1a.png?fit=2400%2C1800&amp;ssl=1\" class=\"attachment-full size-full wp-image-5159\" alt=\"Begini behavioural intelligence game screens\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/10\/game-screens-1a.png?w=2400&amp;ssl=1 2400w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/10\/game-screens-1a.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/10\/game-screens-1a.png?resize=1024%2C768&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/10\/game-screens-1a.png?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/10\/game-screens-1a.png?resize=1536%2C1152&amp;ssl=1 1536w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/10\/game-screens-1a.png?resize=2048%2C1536&amp;ssl=1 2048w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/10\/game-screens-1a.png?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/10\/game-screens-1a.png?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-attachment-id=\"5159\" data-permalink=\"https:\/\/www.begini.co\/new-generation-behavioural-credit-intelligence-platform\/game-screens-1a\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/10\/game-screens-1a.png?fit=2400%2C1800&amp;ssl=1\" data-orig-size=\"2400,1800\" data-comments-opened=\"1\" data-image-title=\"game-screens-1a\" data-image-description=\"&lt;p&gt;Begini behavioural intelligence game screens &lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Begini behavioural intelligence game screens &lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/10\/game-screens-1a.png?fit=800%2C600&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>\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\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\">An assessment designed for real borrowers<\/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-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 data-pm-slice=\"1 1 []\">The assessment experience has developed alongside the intelligence behind it.<\/p><p>Begini&#8217;s latest generation of interactive games combines an intuitive, engaging applicant experience with sophisticated behavioural data capture.<\/p><p>Lenders can configure assessments for different products and markets, apply their own branding and deploy in multiple languages.<\/p><p>Because the assessment does not rely on an existing credit history or digital footprint, it is particularly relevant for thin-file, new-to-credit and underserved borrowers.<\/p><p>The aim is simple: make richer behavioural information accessible to lenders without adding unnecessary complexity for applicants.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-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 loading=\"lazy\" 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;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>\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\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\">Built on nearly 5 million assessments and real-world lending experience<\/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-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>The expanded platform reflects years of learning from real-world deployment and direct collaboration with lenders.<\/p><p>Our customers have helped shape not only the predictive models but also the way behavioural intelligence is presented and used in practice.<\/p><p>Nearly 5 million assessments have contributed to our understanding of behavioural patterns, while lending outcomes and customer feedback continue to inform model development.<\/p><h3>Accelerating innovation with AI<\/h3><p>AI has played an important role in the latest generation of Begini&#8217;s platform.<\/p><p>By analysing large volumes of behavioural data, AI helps our data science team identify patterns and groups of applicants with shared characteristics associated with credit risk. These insights support the development of richer scoring models, repayment indicators and behavioural trait analysis.<\/p><p>AI has also accelerated our research and product development, helping us bring together academic research, real-world lending outcomes and customer feedback to advance our assessment technology.<\/p><p>Importantly, model development remains monitored and governed, with changes evaluated to support predictive performance, explainability and responsible lending.<\/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-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=\"1898\" height=\"911\" src=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-19.11.47.png?fit=1898%2C911&amp;ssl=1\" class=\"attachment-full size-full wp-image-4650\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-19.11.47.png?w=1898&amp;ssl=1 1898w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-19.11.47.png?resize=300%2C144&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-19.11.47.png?resize=1024%2C491&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-19.11.47.png?resize=768%2C369&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-19.11.47.png?resize=1536%2C737&amp;ssl=1 1536w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-19.11.47.png?resize=18%2C9&amp;ssl=1 18w, https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-19.11.47.png?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-attachment-id=\"4650\" data-permalink=\"https:\/\/www.begini.co\/platform\/screenshot-2026-06-30-at-19-11-47\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-19.11.47.png?fit=1898%2C911&amp;ssl=1\" data-orig-size=\"1898,911\" data-comments-opened=\"1\" data-image-title=\"Traits credit score\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.begini.co\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-30-at-19.11.47.png?fit=800%2C384&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>\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\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\">What could behavioural data reveal about your applicants?<\/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-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>Traditional credit data remains an important part of lending. But it cannot provide a complete picture of every applicant.<\/p><p>Behavioural data adds another perspective.<\/p><p>For lenders looking to reach customers with limited credit histories, improve risk segmentation or expand into new lending segments, these additional signals can help identify opportunities that existing data sources may overlook.<\/p><p>More informed lending decisions can create better outcomes for lenders and borrowers alike, supporting responsible credit access while helping lenders manage portfolio risk.<\/p><p><b>Risk. Repayment. Behavioural traits. Assessment integrity.<\/b><\/p><p>All from a few minutes of first-party behavioural data.<\/p><p>What information could your current credit assessment be missing?<\/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-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\/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>\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 about behavioural credit assessment<\/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 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-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>Behavioural credit assessment uses data captured through a short digital assessment to identify behavioural patterns associated with credit risk and repayment. Begini applies predictive models to these signals to generate additional information for lending decisions.<\/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\"> How does AI support Begini's behavioural 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-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 data-pm-slice=\"1 1 []\">AI and advanced modelling techniques support the development and analysis of behavioural signals, helping Begini generate predictive risk scores and additional borrower insights. AI-assisted development also helps accelerate improvements to the platform and assessment experience.<\/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\"> Can behavioural assessment help lenders assess thin-file 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-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 data-pm-slice=\"1 1 []\">Yes. Because behavioural assessment does not depend on an existing credit history, it can provide additional information about applicants with limited or no previous borrowing 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\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 data replace traditional 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-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 data-pm-slice=\"1 1 []\">No. Behavioural data complements bureau, transactional and other existing credit information, adding another layer of insight to a lender&#8217;s decisioning process.<\/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\"> What information does Begini provide lenders? <\/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 data-pm-slice=\"1 1 []\">Begini provides predictive risk scores, repayment insights, behavioural trait scores and insights, Trust Rating and supporting assessment information, generated through a short interactive assessment.<\/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 assessment?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Behavioural credit assessment uses data captured through a short digital assessment to identify behavioural patterns associated with credit risk and repayment. Begini applies predictive models to these signals to generate additional information for lending decisions.\"}},{\"@type\":\"Question\",\"name\":\"How does AI support Begini's behavioural credit assessment?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"AI and advanced modelling techniques support the development and analysis of behavioural signals, helping Begini generate predictive risk scores and additional borrower insights. AI-assisted development also helps accelerate improvements to the platform and assessment experience.\"}},{\"@type\":\"Question\",\"name\":\"Can behavioural assessment help lenders assess thin-file borrowers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Because behavioural assessment does not depend on an existing credit history, it can provide additional information about applicants with limited or no previous borrowing records.\"}},{\"@type\":\"Question\",\"name\":\"Does behavioural data replace traditional credit scoring?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Behavioural data complements bureau, transactional and other existing credit information, adding another layer of insight to a lender&#8217;s decisioning process.\"}},{\"@type\":\"Question\",\"name\":\"What information does Begini provide lenders?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Begini provides predictive risk scores, repayment insights, behavioural trait scores and insights, Trust Rating and supporting assessment information, generated through a short interactive assessment.\"}}]}<\/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":4594,"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-5157","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 v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Begini&#039;s New Generation of Behavioural Credit Intelligence<\/title>\n<meta name=\"description\" content=\"Discover Begini&#039;s expanded behavioural analytics platform, combining AI-driven risk modelling, repayment insights and behavioural assessment.\" \/>\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\/new-generation-behavioural-credit-intelligence-platform\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Begini&#039;s New Generation of Behavioural Credit Intelligence\" \/>\n<meta property=\"og:description\" content=\"Discover Begini&#039;s expanded behavioural analytics platform, combining AI-driven risk modelling, repayment insights and behavioural assessment.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.begini.co\/es\/new-generation-behavioural-credit-intelligence-platform\/\" \/>\n<meta property=\"og:site_name\" content=\"Begini\" \/>\n<meta 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