Beyond the Credit Score: Psychometrics, Behavior, and AI in Modern Lending.

Unlocking credit access with alternative data and real-time risk insights 

Traditional credit scoring models are leaving millions behind, especially in emerging and digital-first markets. In this webinar, we’ll explore a smarter, fairer approach to credit assessment using alternative data, psychometrics, and behavioural AI insights. 

Discover how forward-thinking lenders are using these tools to: 

• Evaluate thin- and no-file customers 

• Make more accurate, real-time credit decisions 

• Expand access to credit — profitably and responsibly 

Whether you’re a fintech innovator, credit risk manager, or digital lender, this session will offer actionable insights to future-proof your credit models. 

The Credit Score is Broken: Why Traditional Models No Longer Work

Millions remain excluded from the financial system because legacy scoring methods were never built for today’s diverse, digital reality. In this opening session, we’ll examine: 

• Why conventional credit models fail to capture real-world behaviors 

• The impact of exclusion on lenders and underserved communities 

• Why banks and fintechs are demanding smarter, more inclusive models 

Inside the Begini Score: Measuring Creditworthiness Without Traditional Data

Begini’s alternative scoring engine provides: 

• Psychometric signals, digital behaviour, and contextual character and life data 

• Insights that go far beyond a person’s formal financial history 

We’ll show how this approach unlocks access to credit for those previously invisible to the system. 

Behavioural AI in Action: Real-Time Risk with Greater Precision

Learn how advanced behavioural analytics and AI are reshaping credit risk: