Behavioural Data and the Last Mile of Credit Access

Extending credit to underserved borrowers often requires decisioning beyond traditional financial data. This examines how behavioural and psychometric data are being used to assess risk, expand access, and improve credit outcomes where formal credit histories are limited. Drawing on experiences from banking and fintech, it looks at the practical considerations, safeguards, and trade-offs involved in deploying alternative data models to support more inclusive lending at scale.