Overview

Once a user completes the Begini Psychometric Assessment, the captured behavioural data is processed into structured outputs.

These results are designed to help you understand risk, assess reliability and support decision-making within your existing workflows.

Results can be viewed in Beacon or received via API or webhooks.

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What you receive

A completed assessment generates a set of outputs that may include:

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

These outputs are designed to be used together rather than in isolation.

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Risk score

The risk score is the primary output of the assessment.

It represents the relative risk level of the user based on their behavioural patterns during the assessment.

What it means

• Lower risk scores indicate more favourable behavioural patterns
• Higher risk scores indicate higher-risk behavioural signals

The score is designed to:

• Rank users consistently within your applicant pool
• Support approval and decline decisions
• Improve segmentation across score bands

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How to use it

The risk score can be used to:

• Support approval thresholds
• Inform manual review decisions
• Segment applicants into different risk tiers
• Combine with existing credit data

It is typically used alongside your existing decisioning logic rather than as a standalone decision.

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Behavioural insights

In addition to the risk score, Begini provides insight into behavioural patterns observed during the assessment.

These may include indicators related to:

• Risk-taking behaviour
• Consistency and attention
• Decision-making patterns
• Engagement levels

These insights help explain why a user received a particular score.

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Trust and confidence indicators

Not all assessment sessions are equally reliable.

Begini provides trust or confidence indicators to help you understand how much weight to place on the results.

What affects trust

• Inconsistent or erratic behaviour
• Extremely fast or random responses
• Signs of disengagement
• Repeated or manipulated attempts

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How to use trust indicators

• High trust → results can be used with confidence
• Lower trust → results should be reviewed or treated with caution

This is particularly useful for identifying potentially unreliable or manipulated sessions.

For more detail, see:

• Fraud Detection & Trust Score

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Session metadata

Each assessment also includes supporting metadata, such as:

• Time to complete
• Completion status
• Interaction patterns
• Session identifiers

This information helps with:

• Operational tracking
• Debugging issues
• Understanding user behaviour at a session level

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Viewing results in Beacon

Within Beacon, you can:

• View individual assessment results
• Compare users across score ranges
• Analyse behavioural patterns
• Track completion and activity

This is useful for both operational monitoring and deeper analysis.

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Receiving results via API or webhooks

For integrated setups, results can be delivered directly into your systems.

This allows you to:

• Automate decisioning workflows
• Combine Begini outputs with internal data
• Trigger actions based on results

For more detail, see:

• Webhooks Overview
• Webhook Payload Structure

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Interpreting results in practice

When using Begini results, it is important to focus on:

Relative ranking

The score is most powerful when used to compare users within your own portfolio.

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Consistency across groups

Look for stable patterns across score bands rather than relying on a single result.

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Combination with other data

Begini is designed to complement:

• Traditional credit data
• Application data
• Internal risk models

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