Worthy Credit is IA’s flagship product. It is a proprietary platform that assesses creditworthiness based on a borrower’s personal character, and is designed to augment traditional scoring models, particularly among the underbanked. Worthy Credit takes the form of a brief questionnaire that uses psychometrics to assess the underlying traits and attitudes that are crucial for good borrowers’ behaviors.
Worthy Credit helps lenders identify potentially valuable customers among the many millions of people around the world that are denied credit based on “thin” or incorrect credit histories. Worthy Credit focuses on borrowers’ “willingness” to repay their loans, above and beyond their financial “ability” to repay. Worthy Credit uses advanced technology and proprietary psychometric algorithms to assess creditworthiness in a unique way that augments traditional credit scores.
Psychometrics is a tried-and-true science for measuring traits and attitudes that are predictive of future behaviors. Psychometrics is widely used by nearly all Fortune 500s for talent assessments, and is backed by over a century of research studies.
Psychometric solutions usually take the form of a behavioral questionnaire or test, which scores individuals based on their responses to the questions asked. Worthy Credit uniquely applies cutting-edge developments in psychometrics to the world of consumer credit.
Worthy Credit is an online questionnaire that asks customers to rate their preferred behaviors and attitudes towards credit and finance. All questions are multiple-choice, with  no “right” or “wrong” answers, and normally takes just 3-4 minutes to complete.
Worthy Credit is scored only based on patterns of responses to the questionnaire, according to a customer’s profile of preferences to different financial related behaviors. Worthy Credit does not look at any 3rd party data sources. It also does not consider (or collect) any demographic information.
Worthy Credit is designed as an added/complementary layer of analytics to be considered together with a lender’s other credit scores or financial information.
Worthy Credit can be used with any type of loan, where the character of the borrower is of relevance, both in consumer loans and small business loans.
Worthy Credit has no “right” or “wrong” answers per se, which largely prevents gaming. However, Worthy Credit also has built in algorithms to detect unrealistic or faked responses and reaction times, such that when detected, may disqualify the applicant’s scores.
IA works with direct lenders (i.e., online lenders, retail banks, credit card companies), marketplace lending platforms (i.e., P2P lenders), and credit scorers (i.e., bureaus and alternative scorers).
IA is active on nearly every continent, and is growing quickly. IA has administered over 2 million tests and collected validity data in 20 countries so far, and is not limited to any geography or demographic.
Yes, Worthy Credit measures universal traits that are required for good borrowers around the world. Our tests have been proven valid in very diverse cultures spanning S.E. Asia, Europe, Africa, North America, and Latin America.
Worthy Credit is currently available in 20 languages, with more languages being added as needed: English, Chinese, Dutch, Croatian, French, Hebrew, Hindi, Indonesian, Japanese, Polish, Portuguese, Romanian, Russian, Spanish, Swahili, Swedish, Tagalog, Ukrainian, Japanese, and Malaysian.
Yes! While traditional credit scores may adversely impact some demographic groups, Worthy Credit scores are non-biased and do not discriminate against race, age, or gender. In addition, Worthy Credit does not ask any demographic related information or questions that may be illegal in some countries, and abides by fair lending regulations.
Yes! Because we do not collect any personally identifiable information (PII), Worthy Credit is able to easily comply with GDPR and LGPD regulations. See our privacy statement for more.

Worthy Credit can integrate with any lending platform, and we have multiple API packages available. Worthy Credit can also be administered independently, without software integration.
Some parts of Worthy Credit can be customized, and specific questions can be added upon request. Please contact us for more information.

Of course! Worthy Credit can be easily administered via desktop, tablet or mobile.

Yes! Please contact info@iassessments.com to set up a demo and trial of Worthy Credit.