Overview

The Begini Psychometric Assessment is a mobile-first behavioural assessment designed to capture how users think, decide and interact, rather than relying on traditional self-reported data.

It uses a series of interactive tasks to generate behavioural signals that are processed into structured risk insights.

This allows lenders to assess applicants with limited or no formal credit history in a more consistent and scalable way.

Why the assessment matters

Traditional credit scoring relies heavily on historical financial data. In many markets, this data is incomplete, unavailable or unreliable.

The Begini assessment provides an additional layer of insight by measuring behaviour directly.

This helps lenders to:

• Assess first-time or thin-file applicants
• Improve risk segmentation
• Increase confidence in approval decisions
• Maintain or improve portfolio performance

How the assessment works

The assessment is designed as a guided, mobile-first experience.

Users complete a sequence of short, interactive tasks. These tasks are designed to capture behavioural patterns such as:

• Decision-making under uncertainty
• Risk tolerance
• Consistency and attention
• Memory and pattern recognition
• Response behaviour over time

Rather than relying on answers alone, the system captures how the user interacts throughout the process.

What data is captured

The assessment captures detailed behavioural interaction data, including:

• User inputs and choices
• Timing and response patterns
• Interaction sequences
• Completion behaviour
• Session-level metadata

This creates a rich dataset that goes beyond simple question-and-answer formats.

How scoring works (high level)

The captured data is processed through Begini’s scoring models to generate structured outputs.

These outputs may include:

• A risk score
• Behavioural trait indicators
• Confidence or trust signals

The scoring models are designed to identify patterns that correlate with real-world repayment behaviour.

For a deeper explanation, see:

• How Scoring Works

Trust and data quality

Not all assessment sessions carry the same level of reliability.

Begini evaluates the quality of each session to determine how trustworthy the results are. This includes detecting:

• Inconsistent behaviour
• Random or rushed responses
• Repeated or manipulated attempts
• Potential assisted completion

This is reflected in trust or confidence indicators within the output.

For more detail, see:

• Fraud Detection & Trust Score

How the assessment is delivered

The assessment can be delivered in multiple ways depending on your setup:

No-code (Link Generator)

• Generate links in Beacon
• Share links with users
• Users complete the assessment directly

This is the fastest way to get started.

Integrated (API / Webhooks)

• Create sessions via API
• Embed the assessment in your own flow
• Receive results in real time

This is used for production-scale deployments.

Where the assessment fits

The assessment is typically used during:

• Application or onboarding flows
• Pre-decision risk assessment
• Alternative scoring alongside traditional data

It is designed to complement existing decisioning systems rather than replace them.

What outputs you receive

Once an assessment is completed and processed, Begini returns structured outputs that can include:

• Risk score
• Behavioural insights
• Trust or confidence indicators
• Completion metadata

These outputs can be viewed in Beacon or received via API/webhooks.

Best practices

To get the most value from the assessment:

• Ensure users complete the assessment in one session
• Provide clear instructions before starting
• Use consistent identifiers for tracking users
• Monitor completion rates and behaviour patterns
• Combine Begini outputs with your existing decisioning logic

Next steps

To go deeper into the assessment:

• Creating an Assessment Session
• How Behavioural Data is Captured
• Understanding Assessment Results
• How Scoring Works
• Fraud Detection & Trust Score
• Assessment Troubleshooting