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Access to credit is access to opportunity. Begini was founded on the idea of broadening credit access modern behavioural analytics data. We use advanced data science to assess character traits associated with an individual’s willingness to repay. Character has been shown to be a resilient and reliable indicator of someone’s likelihood to default.
We believe in giving credit where it’s due. Our assessments can collect or create first-party data, using zero personal information. This data informs our models, producing insights which are used to give safe credit to more people. We believe there is a fairer way to give access to credit, we are looking for organisations and individuals who share our mission.
The Mifos Initiative is a US-based 501(c)3 non-profit whose mission is to speed the elimination of poverty by leading a global community that builds, supports, and uses Mifos X, a free and open source platform enabling financial service providers to more effectively and efficiently deliver responsible financial services to the world’s 3 billion poor and unbanked. Our unprecedented approach to technology-enabled financial inclusion unites financial institutions, local technology partners, and volunteer developers to collectively advance open source banking infrastructure so the entire sector can sustainably build impactful innovations in digital financial services.