Gamifying credit scores for the unbanked, with Yatir Zaluski, Niharika Bhargava, and Jacobus Eksteen (ConfirmU)

I've worked in consumer credit for 20 years, but I think the first time that I heard of anybody trying to use a psychometric-based scorecard for making credit decisions was over a few beers with my friend Sam, who has a psychology degree and works in marketing. And I dismissed that because I figured these aren't my customers. In many ways, though, the fact that they weren’t my customers, as a traditional lender, was the problem.In this episode, I look at how ConfirmU - the fintech that I have recently joined as Chief Solution Architect - is using elements of psychometrics and gamification to build credit scores for the unbanked, without the need for credit histories, smartphones, or technical literacy.You can learn more about ConfirmU at their website, or by reaching out directly to Yatir by emailing yatir@confirmu.com or by finding him on his LinkedInNiharika is on LinkedIn, too, or you can click to learn more about her stand-alone psychometric business - Psych4uMatogen Applied Insights have their homepage here, or you can once again find Jacobus on LinkedIn.You can learn more about myself, Brendan le Grange, on my LinkedIn page If you have any feedback, questions, or if you would like to participate in the show, please feel free to reach out to me at brendan@howtolendmoneytostrangers.showA full written transcript with timestamps can be found on HowtoLendMoneytoStrangers.ShowYou can also find my pulpy action-adventure novels in all their formats on Amazon Hosted on Acast. See acast.com/privacy for more information.

Om Podcasten

A podcast about lending in all its forms and in all the markets in which it takes place, however diverse those markets may be. In fact, it’s a case of ‘the more diverse the better’ with guests from New York to New Zealand, talking about everything from crypto-backed mortgages to crowd-funded loans for refugees. I am the host, Brendan le Grange, and I have spent the last twenty years working in - or alongside - lenders across Africa, Asia, and Europe and I’ll be using that experience to find and learn from industry insiders in a series of weekly interviews. Sometimes, those interviews discuss the inspiration behind a new start-up, sometimes they look back at a career spent at the lending coal face, and sometimes they explore where the latest technologies might take us. In the end, if it shapes a lending decision, we’ll talk about how. You can join us every Thursday here, or wherever you prefer to find your podcasts. And you can find written transcripts and more content can be found at www.HowToLendMoneytoStrangers.show Hosted on Acast. See acast.com/privacy for more information.