Begini Ltd., a UK-based leader in AI-powered behavioural analytics, has entered into a landmark partnership with The Bank of Punjab (BOP) to advance scalable, data-driven financial inclusion across Pakistan and beyond. This collaboration marks a pivotal step toward bringing fair and accessible credit to millions of underserved individuals through the power of artificial intelligence and behavioural science.
Building on earlier joint initiatives, Begini and BOP are now expanding their efforts to enhance Begini’s proprietary Behavioural Analytics Platform. By combining Begini’s cutting-edge technology with BOP’s deep domain expertise and data ecosystem, the partnership aims to deliver more accurate, inclusive, and human-centred credit assessments. The goal is to redefine how financial institutions understand and serve those who have traditionally been excluded from formal credit systems.
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The next stage of development will focus on localised innovation — including multilingual support, cultural adaptation, and reducing algorithmic bias — ensuring that the platform reflects the diverse financial behaviours and realities of borrowers across different regions. Once fully developed, this enhanced solution will be made available not only to BOP but also to other banks and non-banking financial institutions (NBFIs). This will empower the broader financial sector to extend responsible credit access at scale, driving sustainable financial inclusion across emerging markets.
“Real financial inclusion happens when innovation meets human need,” said James Hume, CEO of Begini Ltd. “By delivering fair credit access at a population level, the partnership between BOP and Begini can transform the lives of millions who have long been locked out of opportunity.”
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Zafar Masud, President & CEO of The Bank of Punjab, echoed this sentiment, stating: “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 wider region.”
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For Begini, this partnership reinforces its mission to make AI and behavioural science a force for good. By integrating technological innovation with local understanding, the company is demonstrating how fintech can both scale and humanise access to finance turning inclusion from an aspiration into a reality.
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