RIQ

AI-Powered Cognitive Risk Profiling for Smarter Lending, Tenant Assessment & Insurance Decisions 

One Test. One Flag. Accelerate Growth. Reduce Risk. 

RIQ's psychometric platform combines adaptive testing, behavioral science, and explainable AI to predict outcomes across insurance, credit, and housing—before historical data exists.
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Credit & Lending Intelligence

Good borrowers may have thin files. Or lack good records. We predict financial behavior from the start.

RIQ transforms psychometric data into real-time credit risk insights—ideal for thin-file borrowers, gig workers, or first-time BNPL users. Our assessments uncover behavioral signals—like present bias and planning gaps—that traditional scores miss.

Key Applications

  • Thin-File Scoring: Confidently underwrite borrowers with little or no credit history
  • BNPL Instant Risk Scores: Embed real-time risk flags directly at point-of-sale
  • Microfinance Expansion: Reach unbanked users with mobile-first behavioral assessments
  • Fraud Propensity Detection: Uncover early signals of deception or exaggerated claims
  • Behavior-Based Loan Structuring: Match terms to cognitive repayment capacity, not just past records
     

What Makes It Work

  • Validated Psychometrics: Linked to real-world repayment behavior across diverse populations
  • One Test, Real-Time Scoring: No prior data needed—just cognitive signals
  • Seamless Integration: API-ready for plug-and-play deployment in digital lending platforms 
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Tenant Reliability Intelligence

Know Who Will Pay Rent, Follow Rules, and Stay—Before They Move In.

Renting to the wrong tenant is expensive. Our psychometric test flags risk before the contract is signed.

Tenant screening today relies on backward-looking data—credit scores, evictions, and employment history. RIQ uses adaptive psychometric assessments to forecast tenant behavior before any of that is available. Our platform reveals the psychological traits and decision-making patterns most predictive of payment delays, lease violations, and tenancy length—especially in thin-file or under-documented applicants.

It’s predictive, GDPR-compliant, and built for a rental market where fairness and risk precision must coexist.

Use Cases

  • Pre-Lease Risk Scoring: Instantly assess the behavioral reliability of applicants without full credit or employment histories
  • Damage & Complaint Prediction: Identify traits linked to late rent, high maintenance, or conflict potential
  • Portfolio Risk Stratification: Tier applicants for public or private landlords managing housing at scale

What Makes It Work

  • Validated predictors of rent arrears and rule violations—like impulsivity, low conscientiousness, and external locus of control
  • Subtle faking-resistant survey—engineered to detect and resist intentional response manipulation
  • Cold-start compatibility—assess applicants without eviction or payment history
  • Trait-to-behavior linkages informed by credit, delinquency, and household finance research
  • Designed for fairness with GDPR-compliant, explainable outputs and adverse impact monitoring

Why It Matters

Psychological traits—like present bias, impulsivity, or poor planning—can explain rent arrears and early move-outs better than traditional data, especially for underserved groups. Our tool brings that insight to landlords in real-time, supporting both better tenancy outcomes and fairer access to housing.

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Insurance Risk Intelligence

Risk isn’t just in history. It stems from how people think, which makes it predictable. 
 

Our adaptive psychometric assessment provides insurers with real-time behavioral risk profiles—immediately, even for new drivers, first-time policyholders, or cold-start populations. It’s explainable, manipulation-resistant, and proven to predict claims, adherence, and fraud tendencies.

Use Cases

  • New Driver Risk Scoring: Assess risk at onboarding before driving data accrues
  • Medical Adherence Forecasting: Predict non-compliance and reduce claim costs
  • Burnout & Sick Leave Prediction: Useful for worker’s comp and corporate healthcare underwriting
  • Reinsurance Negotiation Support: Offer differentiated risk profiles for captives
  • High-Value Asset Underwriting: Identify conscientious vs. risk-prone policyholders

What Makes It Work

  • Proprietary signal
  • Sophisticated AI-driven analysis spots patterns beyond traditional psychometrics
  • Cold-start scoring without prior claims data
  • GDPR-safe and explainable from the first test
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Enhance Trust with Precision Tools

Unlock next-gen risk intelligence. RIQ’s psychometric engine brings scientifically validated insights to insurance and finance—before history begins.
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