Pairing Responsible Banks with Responsible People

由于用于评估其金融风险的方法过时、不透明且依赖于信用记录，社会的一些部分系统地得不到金融服务（FS）的服务。经典信用评分的局限性在金融服务行业是公认的，但是到目前为止，还没有一种替代的解决方案向市场提出，可以令人信服地填补评估瘦文件客户的空白。在Good With，我们的使命是帮助服务不足的群体获得全面、及时、个性化的理财教育，从而提高他们的理财能力，并更快地获得更公平的融资。利用我们的创新方法，将对金融行为主观体验的见解与观察到的开放银行数据相结合，我们正在开发一个教育框架和评分解决方案，以支持服务不足的群体更早地实现其金融潜力，并避免通常向瘦客户提供的惩罚性借贷成本。该项目将使Good With有机会验证我们的方法，以帮助最终用户和FS实现互利的结果。我们的愿景是建立一个个人对自己的风险状况拥有自主权的世界，他们可以增加、分担并最终在全球范围内运输风险状况，以确保所有人口群体的包容性服务，提高财务能力，减轻财务压力。

Several sections of society are systematically underserved by Financial Services (FS) because the methods used to assess their financial risk are outdated, opaque, and reliant on the presence of a credit history.The limitations of the classic credit score are well recognised in the FS industry, however until now there has not been an alternative solution presented to the market which could convincingly fill the gap for assessing thin file customers.At Good With, we are on a mission to help underserved groups to access a holistic, just-in-time, personalised financial education so they can improve their financial capability and gain access to fairer finance, sooner.Using our innovative methodology, which combines insights about subjective experiences of financial behaviour with observed Open Banking data, we are developing an educational framework and scoring solution that will support underserved groups to realise their financial potential earlier, and avoid punitive borrowing costs typically offered to thin file customers.This project will enable Good With the opportunity to validate our approach to help realise a mutually beneficial outcome for end users and FS. Our vision is of a world where individuals take ownership of their risk profile, which they can grow, share, and ultimately transport globally, to ensure inclusive servicing, improved financial capability, and reduced financial stress for all demographic groups.