ConfirmU is a B2B2C startup that enables lenders to assess first-time borrowers using a three-minute game, providing lenders with a credit score based on psychometric data. Over 24,000 consumers have played the game and received a credit score with over 7,000 loans disbursed. We’ve signed clients in telco, insurance, financial service, and retail sectors with one billion total borrowers and $1 trillion assets in management. After conducting extensive primary research into theories of psychology, ConfirmU has created a hybrid model bringing together traits that are most likely to predict financial conscientiousness. Through focus groups and external testing, high performing variables were selected to form the basis of an expert credit risk model. This model is currently deployed and being used for consumer and SME risk assessment. The data has and will continue to be validated against extensive payment performance data.