Redefining Creditworthiness for the Underserved

In a world where billions remain underbanked, traditional models simply don’t go far enough. Psyfint helps you unlock new lending markets by evaluating the person behind the profile

PsyFint is a psychometric credit scoring system developed by Opmital Nmax with 8 years of experience in the field.

It evaluates creditworthiness using behavioral and psychological data rather than financial history, offering a more inclusive way to assess individuals and businesses.

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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

The Challenge

Millions of creditworthy individuals are excluded for lacking financial history. This approach favors the served and overlooks first-time borrowers, gig workers, and those in informal or cash-based economies.

Credit history & past repayments

Bank transactions & financial statements

Collateral & employment records

Exclusionary

The Advantage

Even without a credit history, we can assess someone's likelihood to repay—using science-backed insights from behavioral psychology and AI. Our models predict creditworthiness in a more inclusive, ethical, and dynamic way.

See how it works

Evaluating a broader range of data

Increasing financial inclusion

Fairer assessment

Works with traditional models

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.

Solutions

Psyfint offers psychometric credit scoring solutions that help financial institutions confidently lend to thin-file or new-to-credit borrowers. Ideal for digital lenders, neobanks, microfinance providers, and impact investors, Psyfint fills the gaps where traditional scores fall short.

Go beyond the credit history. Discover true credit potential.

Psychometric Credit Scoring

Our flagship solution uses scientifically validated psychometric assessments to evaluate traits like reliability, risk tolerance, and self-control—key predictors of repayment behavior. Ideal for markets where credit history is limited or unavailable.

Benefits:

Predictive, real-time scoring

Bias-resistant and inclusive

No bank data or documents required

Use Cases:

First-time borrowers
Gig economy workers
Students & youth
Informal or cash-based earners
Refugees & migrants

Adaptable to your market, your needs, your borrowers.

Custom Assessments & Model Tuning

Psyfint works with clients to localize assessments, fine-tune scoring models, and develop custom solutions for specific markets or products. Whether you're targeting SMEs in East Africa or students in Southeast Asia, we make sure your solution fits.

Benefits:

Culturally relevant scoring

Higher model accuracy

Better borrower engagement

Options Include:

Region-specific psychometric models
Industry-specific borrower traits
A/B testing and model calibration
Co-branded assessment experiences

Built to scale. Easy to integrate.

API & Platform Integration

Psyfint offers a secure, developer-friendly API that integrates seamlessly into your existing onboarding or underwriting systems. You can automate psychometric assessments, receive instant scores, and customize thresholds to match your risk models.

Benefits:

Faster decision-making

Better customer experience

Flexible for any tech stack

Features:

Real-time scoring via API
Custom risk thresholds & recommendations
Detailed borrower insights
Web and mobile SDKs available

Understand more than just the score.

Behavioral Risk Analytics

Behavioral profiles that provide deeper context for each borrower. Lenders get a window into personality traits linked to financial behavior—enabling smarter, more informed lending decisions.

Benefits:

Improve credit policy precision

Enhance loan officer decision support

Track borrower types over time

You’ll see:

Trait-level risk indicators
Portfolio-wide trends and benchmarks
Credit segmentation by personality type

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

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.

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

Use Cases:

First-time borrowers
Gig economy workers
Students & youth
Informal or cash-based earners
Refugees & migrants

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

Options Include:

Region-specific psychometric models
Industry-specific borrower traits
A/B testing and model calibration
Co-branded assessment experiences

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

Features:

Real-time scoring via API
Custom risk thresholds & recommendations
Detailed borrower insights
Web and mobile SDKs available

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

You’ll see:

Trait-level risk indicators
Portfolio-wide trends and benchmarks
Credit segmentation by personality type

Scalable solutions for financial inclusion.

Government & 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

You’ll see:

Trait-level risk indicators
Portfolio-wide trends and benchmarks
Credit segmentation by personality type

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.