Psychometric Character Assessments
At Begini, we create first-party data through simple yet thorough assessments that are targeted to character traits which are associated with creditworthiness.
Assess people you normally could not reach, increasing your market.
Reduce time and increase efficiency in the credit application process
Gain greater insight into the likelihood of default to control NPL.
Enhance portfolio management through better data to support policy and performance.
A psychometric assessment is a way to understand character and behaviour.
The assessment can be used to build insights, or a score, by looking at traits which have been shown to predict an individual’s willingness to repay.
Our assessment captures more multiple personality traits. The most relevant are locus of control, fluid intelligence, impulsiveness, confidence, delayed gratification and conscientiousness. These traits let us identify applicants who are likely to repay their loans.
The assessment takes less than 10 mins to complete and includes a series of short, interactive modules from which we can extract thousands of data points.
All our exercises are designed to gamify the assessment process to ensure engaged applicants and higher completion.
Accessible from any device, on or offline with the ability to customise the branding as required.
Our exercises have been designed to be as applicable as possible to any cultural backgrounds and we can work with our customers on bespoke tests if required.
Our exercises cater to low-literacy populations, they are pictographic and use the number of least words possible.
SaaS technology that provide character-based credit scores for Banks, Micro Finance, Digital Lenders, Neo Banks, BNPL and Asset Financing.
