Cognitt
 
 
 

Cognitive Engagement as a Predictor of Success

 

To power lending by financial institutions, we use alternative data and innovative technology. Our application collects and analyzes non-traditional information about borrowers to better forecast their likelihood of default. Financial institutions are traditionally good at analysing  capacity, capital, collateral and conditions in the classical 5Cs model of credit appraisal. But they find it difficult to assess the character aspect of the 5Cs. Capacity, capital and collateral indicate the borrower's 'ability to pay', these factors are unable to indicate the 'willingness to way' side of the borrower. Cognitt BCS steps in to fill this gap and forms a credible tool to quantify character.

 
 
 
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Cognitive Engagement Test

 
 

Rationality Orientation

Cognitive errors

Research in psychology and economics has found that human beings are systematically irrational. Not only do they misjudge situations, but they do it in fairly regular patterns. Fortunately, as Nobel laureate Daniel Kahneman says, “we can improve our ability to identify and understand errors of judgment and choice in others, and eventually in ourselves”.

SOCIAL LEARNING

If we all fall prey to cognitive errors, knowing these can help us avoid them. Discover some of your own biases by a simple test. Or go for a full test, to discover how many of the known errors of judgment you are prone to. 

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Making of a Good Borrower

Research in psychology and economics has found that human beings are systematically irrational. Not only do they misjudge situations, but they do it in fairly regular patterns. Fortunately, as Nobel laureate Daniel Kahneman says, “we can improve our ability to identify and understand errors of judgment and choice in others, and eventually in ourselves”.

If we all fall prey to cognitive errors, knowing these can help us avoid them. Discover some of your own cognitive biases by a simple test. This short sample test is free, no credit card required.

You can order copies of this test at the 'Order a Purchase' button on top of this page.

 
 
Cognitive Engagement Test
 

 Are humans rational, or emotional, or a mix of both? How rational are humans, really? More importantly, how rational are YOU? The following short quiz will give you an idea of how rational you are.