Part 9/14:
Furthermore, the company is exploring the use of satellite data to analyze the type of housing and neighborhood structures, providing additional cues about financial stability. For instance, a satellite image showing a well-structured apartment complex might suggest higher income stability compared to a makeshift rural dwelling.
The Role of Psychometrics and Behavioral Data
Beyond static images, Kaido discusses the potential of psychometric assessments—structured questionnaires designed to probe attitudes towards budgeting, risk, obligation, and social trust. The responses help construct a behavioral profile that informs the likelihood of timely repayment, especially for borrowers with limited digital footprints.