Begini Ltd., a UK-based innovator in AI-powered behavioural analytics, has announced a transformative partnership with The Bank of Punjab (BOP) to drive scalable, data-driven financial inclusion across Pakistan and beyond. The collaboration marks a major step forward in leveraging artificial intelligence and behavioural science to expand fair credit access to millions of underserved individuals. Building on previous joint efforts, the new partnership focuses on advancing Begini’s proprietary Behavioural Analytics Platform. By integrating BOP’s deep domain knowledge and vast data ecosystem, the platform will achieve higher predictive accuracy and greater accessibility for populations traditionally excluded from formal credit systems. The next phase of development will prioritize localised innovation, including multilingual support, cultural adaptation, and proactive measures to reduce algorithmic bias—ensuring the solution reflects the diverse realities of borrowers across different regions. Beyond BOP, the enhanced platform will be made available to other banks and non-banking financial institutions (NBFIs), enabling the broader financial sector to adopt responsible, human-centred credit assessment at scale. This approach combines technological innovation with social impact, aiming to create a more inclusive financial future. James Hume, CEO of Begini Ltd., said: “Groundbreaking financial inclusion happens when innovation, matched with scale, meets human need. By delivering fair credit access at population level, the partnership between BOP and Begini can transform the lives of millions who have long been locked out of opportunity.” Zafar Masud, President & CEO of The Bank of Punjab, added: “At BOP, we believe that true financial inclusion begins with understanding people beyond numbers. This partnership with Begini reflects our commitment to harnessing AI and behavioural science to unlock credit access for those traditionally excluded. By combining data intelligence with empathy, we are setting a new benchmark for inclusive banking in Pakistan and the region.” For Begini, the collaboration reinforces its mission to use AI and behavioural science as forces for good. By integrating cutting-edge technology with local expertise, the company continues to push the boundaries of inclusive fintech—demonstrating that scalable innovation can also be deeply human. About Begini Begini provides scientifically validated, privacy-consented behavioural analytics to help financial institutions assess credit risk, detect fraud, and segment customers effectively. The company is committed to building fair, transparent, and responsible AI solutions that expand access to finance for all. Learn more: https://begini.co