16 hours ago
Duppla Drives Financial Inclusion in Colombia With Begini's Behavioural Data Insights
BOGOTÁ, Colombia--(BUSINESS WIRE)-- Duppla, a Colombian PropTech startup, has successfully deployed Begini's behavioural data solution to accelerate its rent-to-own model, supporting its mission to unlock homeownership for underserved families.
'This is the kind of partnership that validates both our vision and our execution,' said James Hume, CEO, Begini. 'We're not just improving credit scoring; we're reshaping how financial institutions think about inclusion and risk in emerging economies.'
Begini's platform has enabled Duppla to enhance credit assessment processes, expand access to its housing solution, and gain strategic insights to support sustainable portfolio growth.
Facing the challenge of serving credit-invisible consumers typically excluded by traditional financial institutions, Duppla turned to Begini, a behavioural data platform that enables ethical and predictive decision-making for thin-file customers. With Begini's solution, Duppla achieved same-day integration, launching psychometric credit evaluations with minimal technical effort.
Since launch, Duppla has seen remarkable adoption: 93% of applicants have completed the assessment process, validating the user-centric design and intuitive interface of Begini's solution. Initially introduced as a complementary input, Begini's psychometric score is now a core component of Duppla's credit policy.
'The psychometric score is critical in our customer acceptance policy,' said Nicolás Ayala, from Duppla. 'Begini enables us to analyse risk in ways traditional systems cannot, which helps us extend access while maintaining portfolio quality.'
Beyond credit scoring, Duppla has embraced the broader potential of character-based insights. Personality traits such as conscientiousness, honesty, and moderation, delivered as part of Begini's assessments, are now analysed to improve customer lifecycle value, and long-term engagement.
This partnership has also reshaped internal alignment. The sales team, initially uncertain about user receptiveness, now promotes the psychometric assessment as a gateway to benefits and tailored offers. Internally, commercial staff have also seen value: by leveraging Begini's insights, they can approve more applicants responsibly, aligning incentives across customer acquisition and portfolio growth.
Begini's solution has become a strategic asset in attracting and reassuring investors. By strengthening risk controls and demonstrating scientific, data-driven underwriting, Duppla has enhanced transparency and trust for those financing their housing assets.
'One of the top questions we get from stakeholders is how we manage risk given our customer segment,' said Ayala. 'Begini has allowed us to present a robust, innovative process that sets us apart and builds real confidence in our growth model.'
'This is the kind of partnership that validates both our vision and our execution,' said James Hume, CEO, Begini. 'We're not just improving credit scoring; we're reshaping how financial institutions think about inclusion and risk in emerging economies.'
