Lighthouse: Behavioral Risk Analytics Qorus-Infosys Finacle Banking Innovation Awards 2025

Redefining Risk: The New Frontier of Financial Inclusion For a century, credit risk assessment has been chained to the past, creating a paradox: to get credit, you need a credit history. This has left millions of creditworthy individuals—freelancers, young graduates, small business owners—financially invisible. Aktif Bank is breaking this cycle. Our Innovation: Behavioral Risk Analytics is a revolutionary decision support system that pioneers a new philosophy. Instead of asking "What did you do?", we ask "Who are you?". By using a proprietary, academically-developed psychometric test, our system analyzes a customer's behavioral DNA—their decision-making, conscientiousness, and resilience—to predict their creditworthiness. This is not merely an algorithm; it is a full-fledged R&D initiative built on three pillars: * Hyper-Localization: Unlike global "one-size-fits-all" models, our test was co-developed with leading academics from Yıldız Technical University to be perfectly attuned to the cultural and social nuances of the Turkish market. * Deep-Data AI: Our machine learning models (including LSTM) are enriched with unique behavioral data points, such as response timings and interaction patterns (e.g., mouse movements), creating a far richer and more predictive profile. * Scientific Validation: The innovation and methodology behind our project are not just internal claims. They have been peer-reviewed and published in the international scientific journal "Algorithms" in a paper titled, "A Novel Psychometric Test-Based Credit Default Risk Prediction Model with Explainable Artificial Intelligence" (Vol. 12, Issue 12, 2023). During our pilot phase, the system achieved a predictive accuracy of over 95% and a response time of under 5 seconds, proving its technical excellence and commercial viability. Lighthouse is more than an innovation; it is our commitment to building a more inclusive and intelligent future for banking.