Tag: Psychometrics

Begini and Bank of Punjab join forces on SME credit access initiative in Pakistan

Begini and Bank of Punjab join forces on SME credit access initiative in Pakistan London, UK | 1 May 2025 – Begini, a global provider of behavioural and data analytics for financial decisioning, has launched a strategic partnership with the Bank of Punjab (BOP), one of the largest commercial banks in Pakistan, to support the […]

What is Alternative Data and how can it improve credit scoring? 

What is Alternative Data and how can it improve credit scoring? For decades, traditional credit scoring models have relied on a narrow set of financial data – primarily past loan repayments, credit card usage, and banking history. But in emerging markets, where millions lack access to formal financial services, these models leave many individuals and […]

How FinTech can help lenders reach the unbanked

How FinTech can help lenders reach the unbanked Access to fair and reliable financial services is a key driver of personal and economic growth, yet 1.4 billion adults worldwide remain excluded from the formal financial system. In emerging markets, where traditional credit models rely on historical data, millions of people face systemic barriers to obtaining […]

The future of lending

The Future of Lending Modern data and behavioural analytics are redefining risk assessment and client management. At its core lending is about trust. Traditionally, lenders have relied on a limited set of data to assess who is and is not creditworthy. This limited data means millions of potential customers have been excluded from access to […]

Embedded Finance in Lending

Emerging research and data collected through psychometric assessments are pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits

Psychometrics: What makes a reliable borrower? Joint Research with Mondato

Emerging research and data collected through psychometric assessments are pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits

The future of lending is first-party data

In a data-rich world, it is increasingly important to know how to select the best data source for each process.   What is the difference between first-party and third-party data?   And why are some lenders moving to first-party data for risk assessment?  Let’s start with some definitions  First-party data is data that you create or […]

What is a psychometric assessment?

And how can it help your credit score? If we want to measure temperature, we use a thermometer. But how can we measure variables like knowledge and attitudes? We use a psychometric assessment. The term ‘Psychometrics’ sounds intimidating and complicated, but essentially it refers to the ability to measure psychological traits. Psychometric assessments can objectively […]