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

<p>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.</p> <p>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.</p> <p>You can learn more about ConfirmU at their <a href='https://confirmu.com/'>website</a>, or by reaching out directly to Yatir by emailing yatir@confirmu.com or by finding him on <a href='https://www.linkedin.com/in/yatir-zaluski-a7447214a/'>his LinkedIn</a></p> <p>Niharika is on <a href='https://www.linkedin.com/in/niharika-bhargava/'>LinkedIn</a>, too, or you can click to learn more about her stand-alone psychometric business - <a href='https://www.facebook.com/Niharikapsych/'>Psych4u</a></p> <p><a href='https://ai.matogen.com/'>Matogen Applied Insights have their homepage here</a>, or you can once again find <a href='https://www.linkedin.com/in/jacobuseksteen/'>Jacobus </a>on LinkedIn.</p> <p>You can learn more about myself, Brendan le Grange, <a href='https://www.linkedin.com/in/brendanlegrange/'>on my LinkedIn page</a> </p> <p>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 <a>brendan@howtolendmoneytostrangers.show</a></p> <p>A full written transcript with timestamps can be found on <a href='https://www.howtolendmoneytostrangers.show/episodes/episode-12'>HowtoLendMoneytoStrangers.Show</a></p> <p>You can also find my <a href='https://www.amazon.com/Brendan-le-Grange/e/B013A8R876'>pulpy action-adventure novels in