ConfirmU

ConfirmU is a psychometric credit scoring platform on a mission to democratize lending for the 3 billion consumers worldwide who lack access to financial services due to reliance on traditional credit history. Using a hybrid model of psychological traits, behavioral indicators, and gamified assessments, ConfirmU generates a credit risk score in approximately 3 minutes without requiring any prior credit history. The platform serves lenders, banks, and fintechs — enabling them to assess thin-file applicants regardless of age, location, or financial history. ConfirmU has proven over 80% correlation for psychometric traits predicting financial conscientiousness and partners with organizations including Experian and Bridge2Capital.