Personality as a predictor of risk: The behavioural assessment can be used to build insights, or a score, by looking at traits to predict an individual’s willingness to repay. The assessment captures personality traits. These traits let us identify applicants who are likely to repay their loans. Not only are these insights predictive of risk, they have been shown to be very stable. While an individual’s financial situation might change, their intrinsic personalities tend to remain stable over time and situations.