About Us

Our mission is to apply the tried-and-true science of psychometrics to predictive consumer analytics, as a means to provide fairer and more accurate decisions.

In the world of consumer credit, we firmly believe that people should be measured not only on their credit histories, but on their character as well. In the process, we aim to help lenders identify more creditworthy consumers, for whom to provide affordable credit, while also highlighting the potentially underlying risks that are untapped by traditional credit scores.

Our Founders:

Innnovative Assessments Saul

Saul Fine, PhD

CEO & Chief Scientist


Saul is a licensed psychologist in the area of personnel assessment and selection, and an adjunct lecturer in psychology at the University of Haifa, in Israel. He has held senior management and research positions at Midot, CareerHarmony, and the Israeli Defense Forces, and has been developing and validating psychometric assessments for nearly 20 years for large private and government organizations around the world. His research in this area has been widely published, with over 30 articles in academic journals, and more than 50 papers presented at international conferences.

Innnovative Assessments Benny

Benny Ben Ami



Benny is an IT executive with more than 20 years of experience in engineering and management. He has co-founded a number of successful companies, including: Appixia (acquired by Wix), Kagoor Networks (acquired by Juniper Networks) and Univonix. Benny also co-founded Microsoft’s Telecom product group and served as its CTO, and was an officer (captain) and group leader in the IDF’s Cyber-Intelligence Unit (8200). Benny holds a master’s degree and bachelor’s degree in computer science from Tel Aviv University, and the Technion Institute of Technology, respectively.

Innnovative Assessments Andrew

Andrew Fine



Andrew is a founding partner of Novel TMT Investments. Novel TMT’s investments include: Square, Skrill, Stripe, Kabbage, Lenddo, Upstart, Loop, Facebook, Farfetch, Inturn, Bento, PlaySpan, and more. Andrew is also Managing Director of SHL Investment Group, the global investment group that acquired and developed Tommy Hilfiger, Pepe Jeans and Michael Kors. Andrew attended the London School of Economics, and received a B.A. in Business Economics with a minor in Computer Science from UCLA.