A person can earn an income, pay their bills and run a small business yet still struggle to qualify for a loan. If they have little conventional credit history, a lender may have too little information to assess them. For gig workers, young adults and others outside standard employment patterns, the absence of a record can close doors.
Global Psytech is trying to give lenders another way to make that decision. The Malaysian technology company combines psychometrics, behavioural science, data analytics and artificial intelligence to study factors that traditional credit reports may miss. Its work also extends to talent assessment, governance and other decisions involving human behaviour.
Founder & Chief Executive Officer of Global Psytech – Dr. Haniza Yon.
“A lack of credit history should not automatically mean a lack of creditworthiness,” the company says.
That belief led Global Psytech to develop GFI, a psychometric credit scoring system. Rather than relying entirely on past borrowing records or third-party data, it gathers information from the individual and uses behavioural indicators to help financial institutions assess willingness to repay. The aim is to give lenders more evidence when considering applicants who might otherwise be difficult to evaluate.
Global Psytech says the system has been used in more than five countries. It reports that its models have achieved predictive accuracy as high as 98% and, in some implementations, helped financial institutions reduce non-performing loans by more than 50%. Those are company-reported results, but they illustrate the commercial question driving the work: can lenders reach more people while managing risk responsibly?
The opportunity extends past a lending decision. Global Psytech says behavioural assessments can also identify a borrower’s strengths and areas for development. For institutions financing entrepreneurs, that information could inform the support offered after a loan is approved.
The company’s wider business follows a similar principle. Its technology is used to support decisions about talent, leadership potential and human-related risks. In each case, the visible result may be a score, assessment or dashboard. Producing it, the company says, requires years of research, testing and refinement.
That work matters when an assessment can influence whether someone receives financing or is considered for a job. Global Psytech places scientific validation, information security and responsible use of AI at the centre of its approach. It holds ISO/IEC 27001:2022 certification for information security management and says it continues to invest in research even when commercial returns take longer to arrive.
Growth presents a different challenge. With offices in Malaysia and Qatar and clients across more than 10 countries, Global Psytech wants its Malaysian-developed technology to reach more markets. But adapting a product for every new client or country can make it difficult to scale. The company is working towards more repeatable products and processes while accounting for important local differences.
It must also become less dependent on its founder. As the business expands, responsibility for decisions is moving to a broader leadership team. Stronger management structures and clearer accountability are intended to let the company grow without losing its research standards.
“Focus is as important to growth as ambition,” the company says. It plans to concentrate on problems where its scientific expertise can produce measurable results, rather than pursue every new application of AI.
Global Psytech’s next test is whether its technology can earn trust at a much larger scale. If it succeeds, its greatest impact may begin with people who have been difficult for conventional systems to see.
