In communities where credit history is rare, character counts. Psyfint empowers MFIs to assess borrowers based on behavioral traits like reliability, honesty, and self-discipline—improving inclusion and repayment rates.
Tailored Credit Scoring for Every Lending Model
Industries
Whether you're a fintech startup, established lender, or public-sector initiative, Psyfint helps you reach more borrowers and make smarter credit decisions—especially in markets where traditional data doesn’t go far enough.
Serve the underserved with deeper borrower insights.
Microfinance Institutions
Benefits:
Identify high-potential borrowers in informal markets
Reduce default rates with behavior-driven risk profiling
Empower field officers with real-time, mobile-ready tools
Fast credit decisions, smarter risk controls.
Digital Lending / BNPL
Digital lending thrives on speed and scale—but also demands precision. Psyfint enhances BNPL and consumer lending platforms with instant psychometric credit scoring that doesn’t rely on credit history.
Benefits:
Score first-time and thin-file borrowers
Reduce fraud and delinquency risk
Seamlessly integrate via API
Build loyalty through inclusive credit experiences.
Neobanks & Digital Wallets
As digital banking expands, the next challenge is enabling fair, accessible credit. Psyfint equips neobanks and e-wallets with tools to offer credit products to new users without needing traditional financial data.
Benefits:
Boost engagement and retention through credit access
Personalize financial products with behavioral insights
Extend services to the underbanked
Connect people, backed by behavioral trust signals.
Peer-to-Peer Lending Platforms
For P2P platforms, understanding borrower intent and reliability is key to building investor confidence. Psyfint brings a science-based layer of trust, enabling smarter matching and risk-tiering of borrowers.
Benefits:
Assess character and credibility in real time
Enhance investor transparency and confidence
Support more inclusive and responsible lending
Scalable solutions for financial inclusion.
Gov & Impact Lending Programs
Governments and NGOs need effective tools to serve populations with little to no financial data. Psyfint provides an ethical, evidence-based solution to assess creditworthiness across regions and income levels.
Benefits:
Support inclusive policy implementation
Monitor risk and impact with behavioral data
Localize assessments to cultural and linguistic context
Back students based on potential—not paperwork.
Education & Student Lending
Students are often left out of credit systems due to age or inexperience. Psyfint lets you assess young borrowers’ potential through traits like discipline, ambition, and self-control—key indicators of future reliability.
Benefits:
Approve student loans with minimal traditional data
Engage youth borrowers early in their financial journey
Improve financial literacy and inclusion
