two behavioural layers. more lending journeys.
Begini’s active behavioural psychometric assessment works alongside Credolab’s passive, real-time behavioural intelligence to help lenders assess more applicants across digital, branch, agent and shared-device journeys.
type
Website
Business Model
Behavioural Analytics for Credit Risk
Territory
Global
what you get
Active psychometric assessment + Real-time behavioural intelligence
What you will achieve
Six benefits from combining independent behavioural analytics from Begini and Credolab.
DEFAULT RISK
Reduce credit default risk
Add independent behavioural scores to improve separation between lower- and higher-risk applicants.
APPROVALS
Increase loan approval rates
Use additional behavioural evidence to identify creditworthy applicants that traditional data may overlook.
THIN FILES
Assess thin-file borrowers
Evaluate applicants when bureau data or traditional credit history is limited.
INCLUSION
Expand financial inclusion
Extend behavioural assessment across digital, branch, agent and shared-device journeys.
PREDICTION
Improve credit risk prediction
Assess risk from two different behavioural perspectives without combining the scores.
DECISIONING
Make smarter lending decisions
Use each score independently within the lender’s existing models, rules and risk policy.
How it works: digital onboarding
Add two independent sources of predictive intelligence to the existing risk underwriting journey.
01
Capture behavioural signals
Credolab analyses consented device, session and application-interaction metadata during mobile and web application journeys in real time.
02
Complete the Active Assessment
Where relevant, applicants complete Begini’s active psychometric assessment through a digital link, branch, agent or shared device.
03
Deliver Independent Scores
Credolab and Begini provide their scores independently to the lender’s existing decisioning system.
04
Make the Decision
The lender decides how to use each available score and applies its own credit policy to make the final decision.
Where Credolab sits in the journey
Credolab generates a passive behavioural score for every eligible digital applicant across mobile and web journeys. Begini extends behavioural assessment to applicants who complete its active psychometric assessment, including physical and assisted journeys.
100%
Coverage — no thin-file gap
0%
Personal data processed
Get in touch with our partners
Check out
Begini
or connect with them directly.