Rory Spanton
Behavioural Data Scientist - Good With
Credit Risk as Psychological Readiness: The Behavioural Data Science of Financial Health
45 min talk Entry level 🤖 Data + AIMillions of people are misjudged by banks every year when applying for credit. Financial organisations often make poor decisions about individuals with limited credit histories, denying financially capable people credit, and lending to those who present hidden risks.
Good With uses data science to give lenders better information about these “credit invisibles”, promoting fairer access to finance for all. Crucially, this includes psychological data and insights from behavioural science in conjunction with banking data. In this talk, I discuss our approach to behavioural data science, and how we apply it to modelling financial health.
Key Takeaways
- What is behavioural data science?
- Understanding how we can apply this to modelling financial health
- How behavioural data can be captured and modelled at scale
LinkedInRory specialises in using data science to understand human behaviour. He holds a PhD in psychology, following a track record of research publications investigating memory with statistical models. Now, in his current role at Good With, he helps to create data-focused products that deliver deep and reliable insights about financial health.
He also writes tutorials and blogs about data science, programming, and more for online publications like Towards Data Science and Built In.