Behavioral credit risk, built for lenders
ConfirmU gives lenders a validated behavioral risk signal for small business owners and consumers with limited credit history, from a three minute game that needs no bureau file.
Applicant with no bureau file
Returned to the lender
712Band B
Illustrative output shown to explain the flow. Not a published ConfirmU statistic.
Our mission
Credit risk assessment depends on historic payment information, so a consumer cannot access credit unless they have had credit before.
There are three billion consumers worldwide that cannot access the financial services they need. We believe this is wrong, and that everyone should be able to access the products and services they need regardless of age, location or past performance.
Partners
ExperianGlobal credit bureau partnership
Bridge2CapitalIntegrated into underwriting
MyFugoCredit risk scoring partnershipHow it works
ConfirmU supplements your existing underwriting process. It does not replace it. The behavioral score works alongside bureau data, bank statements, and the other signals you already use.
A three minute behavioral assessment sits inside your application flow. Borrowers play on any device, at their own pace.
SDK and API integration into your existing digital onboarding journey.
As the borrower plays, ConfirmU measures psychometric and behavioral traits in real time. There is no self reporting and no gaming the answers.
Game telemetry captures behavioral data points throughout the session.
Signals are processed through a validated model and returned to your underwriting system as a single, interpretable risk score.
Score returned via API once the game is complete.
Where the sequence lands
ConfirmU is designed to supplement, not replace, your existing underwriting processes. The lender keeps full decision authority.
Business value
One assessment framework, configured per portfolio, that adds a signal where bureau data runs out.
The lift
Applicants who cannot be placed in a risk band on bureau data alone can be placed once a behavioral signal is added, so credit teams can review cases they previously had to set aside.
Reviewable applicants by risk band
Illustrative shape of a lender portfolio, shown to explain the effect of an additional signal. Not a published ConfirmU statistic.
Evaluate consumers and small business owners who lack traditional credit history, without turning them away.
Layer psychometric signals on top of your existing data to surface willingness to repay that numbers alone miss.
One assessment framework works across personal loans and small business credit, configured per portfolio.
Adapt assessments to language, culture, and regulatory context so scores stay relevant in every market you operate.
The assessment
A four question preview of the ConfirmU assessment. Your answers build a behavioral signal in real time. Nothing is stored or sent. This is a demonstration only.
Four questions. About three minutes.
You will face short scenarios about budgeting, prioritizing tasks, and making tradeoffs. There are no right answers. Your pattern of choices is what matters.
Each signal captures a different dimension of behavior.
How applicants sequence tasks and anticipate future steps.
How applicants structure resources and manage competing priorities.
Care and consistency in resource allocation decisions.
Stability of choices under varying time pressure.
The evidence
Validated against real payment performance, then read back through four lenses on the same pool of applicants with limited credit history.
0%+
Correlation for selected psychometric traits related to financial conscientiousness
0%+
Positive correlation for behavioral traits including planning and organizational skills
0%
Of assessed applicants with limited credit history fell within lender risk appetite
0%+
Correlation where a bureau score already existed
Results reflect ConfirmU testing and client deployments. Outcomes vary by portfolio, market, and implementation.
Applicants with limited credit history now reviewable
Bands applicants with limited credit history fall into
Over the first 10 months of a portfolio
Behavioral dimensions measured
Charts are illustrative representations of the kind of lift lenders can observe when a behavioral signal is layered on top of bureau data. They are not published ConfirmU statistics and do not represent any specific lender's portfolio.
Use cases
One behavioral assessment framework, applied to two distinct lending contexts and configured per portfolio.
Limited credit history
Small business owner
These use cases describe how ConfirmU supports lending decisions. They do not guarantee approval outcomes, which remain the lender's responsibility.
Privacy and responsible use
No certifications are claimed unless verified by ConfirmU. The principles below describe how behavioral data is collected, processed, and used.
Borrowers explicitly consent before playing. No data is collected without informed, opt in agreement.
Behavioral signals are processed securely and used solely for credit risk assessment. Data is not sold or shared with third parties.
ConfirmU models are validated against real payment performance data and monitored for bias and drift over time.
ConfirmU scores are designed to supplement human underwriting decisions, not replace them. Lenders retain full decision authority.
Consent is captured before anything is measured. Only then does a behavioral signal exist, and only the signal reaches the lender.
Interaction
Borrower plays the assessment
Permission
Explicit, informed consent
Processing
Secure, purpose limited
Behavioral output
One interpretable score
Lender delivery
Returned through your API
Privacy policy: not yet published. A detailed privacy policy is pending verification by ConfirmU and is not available at this address. It will be linked here once supplied.
In their words
“We have found that customers onboarded using the psychometric test have not defaulted during the Covid period. This has reaffirmed our belief in ConfirmU. We are making their service an integral part of our underwriting process.”
Bridge2Capital
Partner
About ConfirmU
ConfirmU was founded after a colleague (an intelligent professional in a secure job) was denied a personal loan simply because he had moved country and left his credit history behind.
By measuring behavioral and psychometric traits through a short game, ConfirmU gives lenders a risk signal that works regardless of age, location, or credit history, enabling financial inclusion one assessment at a time.
Cofounder & CEO
Enterprise software veteran, fintech entrepreneur, digitisation leader, certified accountant.
Lead Psychologist & Game Designer
Internationally recognised psychologist and mental health practitioner, entrepreneur, TEDx speaker. MA Applied Psychology, University of Mumbai.
Chief Solution Architect
Passionate for credit risk modeling and owner of the Lending to Strangers podcast series.
APAC Director
Business builder with 25+ years across consumer finance, digital banking, and credit technology in Vietnam, Cambodia, Thailand, and China. Built and launched Liobank.
Yatir Zaluski
Cofounder & CEO, ConfirmU
A note from our CEO
Traditional credit scoring depends on historic payment data. If you have never had credit, you cannot get credit. It is a catch 22 that locks out young professionals, recent movers, small business owners, and entire emerging markets.
ConfirmU breaks that cycle. Our three minute behavioral game reveals psychometric traits (planning, organization, financial conscientiousness) that correlate with repayment behavior. We give lenders a signal where bureaus are silent, and we give creditworthy people a chance to be seen.
Financial inclusion is not charity. It is good business. When lenders can safely say yes to more people, everyone wins.
Media and blog
Coverage, talks, and writing from the ConfirmU team on behavioral credit and financial inclusion.
Featured film
Why ConfirmU exists: the people a bureau file cannot describe, and what behavior reveals about them.
More from ConfirmUContact
Tell us about your lending portfolio and we'll show you how ConfirmU's behavioral assessment fits into your underwriting flow.
Demo form. This form is a front end demonstration. Submissions are not transmitted or stored until a backend service is connected.
