Banking on personality: psychometrics and consumer creditworthiness

An empirical article published in the Journal of Credit Risk, on the efficacy of psychometric-based credit scoring and Worthy Credit among consumer borrowers across five geographies.

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Financial stress and decision-making: More in common than you might think

Making good financial decisions is never an easy task. It involves considering some things that are fun for us in the short term, and other things that are good for us in the long term. But the challenge of making good decisions gets even worse when we are stressed.

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The Perfect Storm for Financial Inclusion in Brazil

Reducing the number of unbanked people is a goal for almost every country, but the opportunity to successfully achieve this goal is rarely as reachable as it is in Brazil.

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Debt collection tech gets a “personal” upgrade for COVID-19 and beyond

Debt collection is arguably one of the most difficult and unpleasant aspects of the credit industry, for just about everyone involved. Indeed, despite the fact that both collectors and debtors wish to resolve their debt issues, collection recoveries often fall far short from being successful.

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Open Banking and Alternative Data in Brazil: Key Legal Issues

An Interview with Bruno Balduccini, Partner @Pinheiro Neto

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Credit Scores and the Willingness to Repay in the Age of COVID-19

How the coronavirus is effecting credit and credit scoring, and how psychometrics can help.

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Digital Banking, Alternative Data, and Advances in Credit Modeling

An Interview with Roberto Jabali, CRO @Banco BV.

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How Do Consumers React to Psychometric-Based Credit Scoring?

Nearly 50 million Americans and literally billions more around the world have limited access to affordable credit, due primarily to a lack of credit histories.

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Alternative Data for Improving Financial Services

An Interview with Dr. José Murillo, Chief Analytics Officer at Banorte

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The Promise of Psychometric-Based Credit Scoring in Financial Inclusion

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Putting Character Back into the Equation. Credit Scoring for the Underbanked using Psychometrics

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Le Modèle Psychométrique

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