Skip links

Free Consultation
Psychometric Credit Scoring That Unlocks Financial Potential

The Science Behind Psychometric Scoring

The Psyfint Methodology

Psyfint measures what traditional credit scores miss: how people think, act, and manage financial decisions.

Our psychometric approach is built on decades of psychological research, tailored for credit risk assessment, and field-tested across diverse markets. We analyze traits directly linked to financial behavior—like responsibility, risk appetite, and self-control—to generate an accurate, real-time credit score.

Step 1: Quick, Science-Backed Assessment

The journey begins with a short, mobile-first assessment that takes just 5–8 minutes to complete. Built using validated psychometric models and behavioral economics principles, this test measures core traits linked to repayment behavior.

Step 2: AI-Powered Scoring Engine

Once the assessment is complete, responses are instantly processed by our AI-powered scoring engine, which uses psychology, machine learning, and financial data to generate a Psyfint Score—predicting repayment likelihood.

Step 3: Actionable Insights in Real Time

You receive a full decision-ready output, available via our intuitive dashboard or delivered through API to plug directly into your loan origination system.

USE CASES

4.5%

Non-Performing Loan (NPL) Rate

59.1%

Approval Rate Based on Risk Assessment

95%

Low-to-Middle Income Borrower Composition

1 min

Average Processing Time per Borrower

Comparison at a Glance

Required prior credit history

Psyfint

Traditional Scoring

Consider behavioral traits

Works informal/cash-based markets

Ideal for first-time borrowers

Bias towards formal employment

Inclusivity & Financial Access

Real-time scoring capability

Psyfint

Required prior credit history

Consider behavioral traits

Works informal/cash-based markets

Ideal for first-time borrowers

Bias towards formal employment

Inclusivity & Financial Access

Real-time scoring capability

Traditional Scoring

Required prior credit history

Consider behavioral traits

Works informal/cash-based markets

Ideal for first-time borrowers

Bias towards formal employment

Inclusivity & Financial Access

Real-time scoring capability

PsyFint gathers behavioral and psychological data through surveys, tests, and digital footprints.

Data Collection and Analysis

PsyFint gathers behavioral and psychological data through surveys, tests, and digital footprints. This data is analyzed to create an accurate psychometric profile, reflecting personality traits, decision-making patterns, and emotional intelligence.

Psychometric Profiles

Psychometric profiles are comprehensive assessments of an individual’s psychological traits. These profiles consider factors such as personality, cognitive patterns, and emotional responses to provide a deeper understanding of creditworthiness.

Scoring Algorithm and Methodology

PsyFint’s scoring algorithm uses advanced machine learning to analyze psychometric profiles and predict creditworthiness. The algorithm continuously adapts, improving over time to generate more accurate and reliable scores.

Behavioral Science + AI

We blend validated psychometric models with machine learning to produce powerful, predictive credit scores.
While behavioral science uncovers deep personality insights, AI enables us to process thousands of data points instantly, refine predictions continuously, and adapt to different borrower profiles and market contexts. Together, they allow us to understand not just who a borrower is—but how they’re likely to behave.