Let's begin

Credit where it's due

We offer behavioural data analytics for credit risk insight and decisioning, using zero personal data.

Simple, smart, SaaS technology for Banks, Digital Lenders, Neo & Challenger Banks, BNPL and Asset Financing.

Personality can predict risk

All data is credit data

We provide financial businesses a different way to assess creditworthiness – by understanding personality & behaviour.

Through behavioural analytics, we can assess anyone, without using any personal data.

We are making credit assessment fairer, more accessible and more predictive by bringing alternative data into the mainstream.

Our clients

In their words

Helping lenders around the globe

“[Alternative Data] its going to be the main source [of data] for us now. I have worked in banks, and… when you see the whole [traditional] credit transaction layer, it doesn’t make sense for these communities. The whole history behind a good [credit] score [is] not aligned. But with this alternative data, you see the real behavior of people.”

"We were looking for a solution that allowed us to assess more people without increasing risk. Alternative data allowed us to extend credit opportunities to more customers. Begini offered us a flexible and intuitive solution. We are pleased with the results so far and look forward to a continued partnership."

Actionable insights

As diverse as our data

People are diverse, and credit assessment should consider a diversity of data.

We look at non-traditional and non-personal behavioural data like smart-phone data and psychometric assessment. We use data science models to provide insight around the consumer’s personality, behaviour, community, skills and experience.

Information which is highly predictive of creditworthiness and willingness to repay.