Pairing Responsible Banks with Responsible People

由于用于评估金融服务(FS)财务风险的方法过时、不透明，并且依赖于信用记录的存在，因此金融服务(FS)系统地为社会的几个部分提供了服务不足。传统信用评分的局限性在FS行业得到了很好的认识，然而到目前为止还没有一个替代解决方案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的、及时的、个性化的金融教育，以便他们能够提高他们的财务能力，并获得更公平的金融机会。使用我们的创新方法，该项目将对金融行为的主观体验与观察到的Open Banking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财务潜力，并避免通常提供给瘦文件客户的惩罚性借款成本。该项目将使Good能够有机会验证我们的方法，以帮助实现最终用户和FS的互惠互利结果。我们的愿景是，在这个世界里，个人拥有自己的风险状况，他们可以增长、分享并最终在全球范围内运输，以确保包容性服务、提高财务能力，并减少所有人口群体的财务压力。

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are systematically underserved by Financial Services (FS) because the methods used to assess their financial risk are outdated, opaque, and reliant on the presence of a credit history.The limitations of the classic credit score are well recognised in the FS industry, however until now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.