No credit history? No problem.
Millions of people are ready for credit but excluded by conventional systems. Psyfint evaluates first-time borrowers based on their behavior, mindset, and reliability—not outdated financial records.
Now you can lend to:
Newly banked individuals
Informal sector workers
Borrowers with no previous loans
Benefits:
Flexible work, flexible risk assessment.
Gig workers often lack stable income documentation—but that doesn’t mean they’re high-risk. Psyfint helps lenders evaluate gig workers’ creditworthiness by analyzing traits like discipline, adaptability, and financial responsibility.
Serve borrowers like:
Ride-share drivers
Freelancers & digital workers
Part-time & seasonal earners
Benefits:
Credit scoring made for the global majority.
In many developing regions, traditional financial data is scarce. Psyfint provides a culturally adaptable, mobile-ready scoring solution that works where formal credit infrastructure doesn’t.
Enable credit access in:
Cash-based economies
Low-data environments
Regions with limited financial literacy
Benefits:
Score the next generation of borrowers.
Young adults and students are often excluded due to limited financial history. With Psyfint, you can confidently assess their potential through personality and behavior—building long-term relationships from the start.
Perfect for:
Student loans and scholarships
Entry-level consumer credit
Digital banking onboarding
Benefits: