In the realm of finance, credit scores have traditionally been a reflection of past financial behaviours and decisions. But Splendi is introducing a fresh perspective: what if we could predict creditworthiness by delving into the intricacies of the human psyche? This is the promise of psychometric-based credit scoring, a method that seeks to understand not just the numbers, but the person behind them.

The Difference

The approach to psychometric-based credit scoring dives deep into an individual’s psychological and behavioural traits. By analyzing aspects of personality and decision-making tendencies, it offers insights into how someone might manage debt or ensure timely payments. It’s a holistic approach that recognizes the profound link between our mental makeup and our financial habits.

Beyond Traditional Metrics

While traditional credit scoring models have their place, they often provide a limited view of an individual’s creditworthiness. They might indicate past financial behaviours, but they don’t necessarily reveal the reasons behind them. The psychometric-based approach seeks to fill these gaps, offering lenders a more nuanced understanding of potential risks and rewards.

Discover Your Psychometric Score with Splendi

Curious about how this innovative approach translates to your financial profile? Dive into our quick quiz here and uncover your psychometric-based credit score. It’s not just a number; it’s a reflection of your personality, decision-making tendencies, and how they might influence your financial future.

In today’s complex financial landscape, understanding the person is just as crucial as understanding their credit history. With Splendi, it’s not just about where you’ve been financially, but who you are as an individual.