10%
of Nigerian adults use formal credit, although 79% use formal or informal financial services.
Source: EFInA, A2F 2026
FinPsych Score
Hybrid Psychometric–Neurocognitive Credit Assessment Framework.
Redefining creditworthiness evaluation for credit invisibles.
Reliability-Aware Decision Science
Take Assessment
Complete the interactive creditworthiness assessment with behavioral and cognitive questions
Start Assessment
Bank/Institution Dashboard
Access institution portal to view applicant scores and manage assessments
View Dashboard
Admin Console
Monitor system performance and fairness metrics
Access Console
THE PROBLEM WE ARE SOLVING
Many people would repay a loan. The
system just can't see them.
Banks and lenders decide who gets credit mainly by looking at past borrowing. If you have never had a loan, a credit card or a bank account, there is nothing to look at. You become “credit invisible”. You are then refused, or charged more, however careful you are with money.
37.4 million
UK regulated credit agreements are held by firms reporting to only one or two of the three major credit-reference agencies (2024 data).
Source: FCA, CP26/7 (February 2026)1.3 billion
adults worldwide had no account with a bank or another formal financial provider (2024 data).
Source: World Bank, Global Findex 2025A trap that is hard to escape
- 1No credit history
You have never borrowed formally, so there is no record of you.
- 2Loan refused or priced high
With no record, lenders treat you as an unknown risk.
- 3No chance to build a record
Without a loan you cannot show that you repay.
↻ and so back to step 1
Who gets left out
Market traders and small business owners
Running enterprises without extensive formal borrowing records.
Informal and gig workers
Earning through flexible or informal arrangements.
Farmers
Managing agricultural income that can vary by season.
Young people starting out
Beginning financial life without an established credit record.
People new to a country
Bringing experience that may not transfer to a new credit system.
People who have always paid in cash
Managing expenses without building a conventional borrowing history.
Our answer: look at the person, not just the paperwork
TRADITIONAL SCORING ASKS
“What have you borrowed before?”
FINPSYCH SCORE ASKS
“How do you think about and manage money?”
For applicants
A short online assessment of financial attitudes, habits and decision-making. It gives people with no credit file a fair way to show they can be trusted with credit.
For lenders
A clear, explainable score that can help you serve customers you cannot see today. It has built-in checks for inconsistent answers and for fairness across gender, age, income and education.
PRIVACY-CONSCIOUS CREDIT ASSESSMENT
Assess financial behaviour — not private digital footprints.
FinPsych is designed to evaluate financial-management behaviour, decision-making and financial reasoning without using customers’ mobile-phone activity, browsing history, social-media profiles or social-credit surveillance data for creditworthiness scoring.
Instead, the assessment draws on responses people provide to structured financial questions and reasoning tasks. This is a deliberate distinction from alternative-data approaches that depend on tracking personal digital behaviour.
Key Features
Dual Assessment Framework
CWI psychometric + neurocognitive performance measures
Gaming Detection
Identifies discrepancies between self-report and objective performance
Five Cs Framework
Character, Capacity, Capital, Conditions, Collateral
Fairness-by-Design
Post-hoc diagnostics ensure equitable outcomes across gender, age, income and education
Research-Backed Solution | FinPsych Score is a proprietary framework. All rights reserved. | Patented Technology