PBA Score
A smarter score for a more Financially Inclusive Dutch Caribbean
Discover better credit opportunities with the Psychographic Behavioral Assessment (PBA) score designed for better insights, more access to credit, and better financial inclusion - for both consumers and financial institutions.
Consumer? Learn more Member or other Business? Learn morePsychographic
Psychological and interaction measurements used to assess a person’s personality traits, cognitive abilities, emotional states and interaction data analysis while the assessment is conducted
Behavioral
It will give insights in a customers’ behavioral biases enabling prediction of repayments
Assessment
Utilizing responses from a short questionnaire as well as psychometric information a score can be given.
What is a PBA Score?
Inclusive credit information for new-to-credit and underserved consumers
Why is a PBA Score valuable?
For Consumers with little to no credit history, the PBA Score leverages alternative data, behavioral traits and beliefs to provide Lenders with more information to assess credit requests. Consumers with a credit history, have a CCB Consumer Credit Report to objectively demonstrate good repayment behavior, whereas those with little to no credit history do not have this 'reputational collateral'. This is where the PBA Score comes in: The PBA Score allows this underserved group to obtain better and more inclusive credit opportunities.
How can Financial Institutions access my PBA Score?
When you make a credit request, a Financial Institution can request you to register a PBA Score.
Start here
First and most important: Inform yourself regarding the PBA Score
A Financial Institution / Lender might have requested you to register a PBA Score in relation to a credit request you have made. Before deciding to register a PBA Score, inform yourself regarding what a PBA Score is, what the process is, how your data is managed, and who our Partner is. For more information and/or questions, please contact us at info@caribbeancreditbureau.com.
🔒
02. Privacy: how your data is used and protected
Your data privacy is important and protected by local legislations. CCB only collects personal information that is required to offer this service on a data minimalization principle.
Furthermore, financial Institutions can only request your PBA Score if:
- They are a Member of CCB
- They have a legitimate interest to access your data (i.e. to manage your credit request)
Does AdviceRobo receive my personal information?
Our partner, AdviceRobo, has a privacy-first approach and will not have access to any personal information. All data collected by them to offer their services is done anonymously (i.e. not traceable to any individual consumer). Furthermore, AdviceRobo operates according to all relevant data privacy regulations such as GDPR, DORA, AI ACT.
📌
01. What type of data is collected?
The PBA Score uses alternative data to determine a predictive score that Lenders can utilize in their credit-decision making process. This alternative data consists of:
- ✅ Personal information:
To register a Consumer Record in the CCB Online Registry (personal data is not collected for scoring): Name, date of birth, country of residence, phone number, etc. - ✅ Psychometric information:
Personality Traits, Mindset, and Behavioral Risk indicators - ✅ Biometric signals:
Patterns in digital behavior, device interaction, and response times - ❌ Digital footprint data is not collected
📝
03. How long is your PBA Score available?
Your PBA Score will be registered for a term of 3 years.
During this period it is not possible to change your score or register for a new PBA score.
It is possible to request your PBA Score to be terminated. Please note: if you decide to register your score again after it has been deleted, you will be required to purchase it again. There will be no refund if you decide to delete your PBA Score.
🤖
04. Who is AdviceRobo?
CCB has partnered with AdviceRobo, a Netherlands-based company operating globally with a vision to revolutionize credit risk assessments for underserved markets.
Their technology and models are based on scientific findings and are developed in close collaboration with leading universities and academic researchers.
The CEO and Co-founder, Diederick van Thiel, holds a PhD in behavioral economics.
Learn more about them here: www.advicerobo.ai
Register your PBA Score in 4 easy steps
The process is fully digital and starts here, on this website.
1
Inform yourself
Understand what the PBA Score is and how it can be used
2
🛒
Register
Once you've decided to register a PBA Score, complete the purchase and fill out your personal information to register.
3
📝
Perform Assessment
You will be directed to fill out the digital questionnaire (this will only take a couple of minutes)
4
✅
PBA Score is registered!
Your PBA Score will automatically be linked to your Consumer Record and registered for use by Lenders in their Credit Decision-Making process
PBA Score Registration and Pricing (for Consumers)
A PBA Score can provide you with more inclusive credit opportunities. To introduce the PBA Score we will not be charging consumers to register a PBA Score.
No Registration
You always have the choice to not register a PBA score.
Contact us to learn morePBA Score
USD 0.00
Your registered PBA Score will only be accessible to CCB Member Financial Institutions.
Register your PBA Score- PBA Score Registration for 3 years
- Accessible to all CCB Member Financial Institutions where you request a credit
- Your data is protected
*You always have the option to request termination of your data. Note that you will not receive a refund and if you decide to register a PBA Score again, you will be required to pay again.
**During this introduction period CCB will not charge consumers a fee to register their PBA score. CCB reserves the right to implement a pricing model in the future for consumers to register a PBA Score.
After deciding to register your PBA Score, please provide your details below so we can get in touch to provide you with the link to start the assessment.
By Submitting this information you also give explicit consent for CCB to register the personal data we will request as well as your PBA Score and you consent with our Privacy Policy with regards to submitted personal information.
Top questions answered
Some of the most important questions and their answers.
A PBA Score is a score between 0 and 1000 that is calculated based on your responses of the questionnaire. In general, a higher score is better.
It takes your responses to the questions, together with some information about how you fill in the questionnaire to determine a predictive score about how you will repay loans: the PBA Score.
CCB only collects essential personal information to be able to deliver this service (e.g. your name, date of birth, ID number, etc). Our partner, AdviceRobo, will only receive anonymized data and will not be able to link any data used to calculate a score to a specific individual.
Once you've performed a PBA-score assessment and your PBA score has been registered, it will stay registered for a period of 3 years. Studies have shows that this is the optimal period to maintain a PBA score registration. During this period it is not possible to perform another assessment to obtain a PBA score. After the 3 year period has ended, you can register another PBA score.
No. All credit decision making rests with the Financial Institution / Lender you are requesting a credit at. The PBA Score is purely informational and can give Lenders more information to make a responsible credit decision according to their own policies and guidelines. CCB does not assume any responsibility in credit decisions.
The assessment and scoring model is developed by AdviceRobo and is based on scientific research and academic collaborations. It is proven technology and is implemented globally by Banks, Consumer Retail companies, and Credit Bureau's.
AdviceRobo is a Netherlands-based company operating globally with a vision to revolutionise credit risk assessments for underserved markets.
Their technology and models are based on scientific findings and are developed in close collaboration with leading universities and academic researchers.
The CEO and Co-founder, Diederick van Thiel, holds a PhD in behavioral economics.
If you're a CCB Member or other Financial Institution and you would like to learn more about the PBA Score, please contact us.
The PBA Score can only be utilized in credit decisions for CCB Members. If you're not yet a Member, please reach out to learn more about becoming a Member.