Good With Partners with N Brown Group to Trial Innovative ‘Readiness Score™’ for Credit Applicants
Good With, the financial wellbeing innovator, is pleased to announce that N Brown Group, the inclusive fashion and homeware digital retail platform, is commencing a six-month pilot with the Good With financial wellbeing app. The trial will focus on an inclusive approach to finance, supporting customers that are ‘credit invisible’ and may otherwise be overlooked and underserved due to a range of causes, including being new to credit and demographic factors. The trial will offer those customers a constructive and personalised path toward financial health through Good With’s unique platform.
At the heart of the pilot is the Good With Readiness Score™, a pioneering risk assessment tool based on financial psychology and behavioural traits. For customers who are "credit invisible" or have thin credit files, this score provides deeper insights into a customer’s genuine readiness to borrow, moving beyond traditional credit data.
The initiative introduces a supportive ‘decline journey’ for applicants who are not yet ready to borrow. Instead of a simple rejection, customers will be offered access to Good With’s platform, which provides personalised support and financial education (FinIQTM) to increase their financial confidence and competence.
Gabriela Isas, Founder & CEO of Good With, said: "We believe the traditional credit system often fails to see the full picture of an individual's financial potential. Our Readiness Score™ provides that missing context. Our pilot is designed to provide a compassionate and effective pathway for applicants to improve their financial health."
"This pilot is a great example of our commitment to financial inclusion and responsible lending.’" said Alexander Humphries, Director of Financial Services Product & Decisioning for N Brown. “By providing innovative approaches to decisioning alongside a supportive decline journey, we can help customers to meet their financial needs and foster financial wellbeing."
About Good With Limited: Good With is a financial wellbeing app that uses a psychology-based approach to help users manage money-related anxiety and improve their financial confidence. Its unique Readiness Score™ offers lenders a new, behaviour-based lens for credit risk assessment, particularly for individuals with thin or no credit files.
About N Brown Group: N Brown is a leading UK digital retail platform for clothing, footwear, home and technology, headquartered in Manchester and employing over 1,200 people nationwide. Through its strategic retail brands JD Williams, Jacamo and Simply Be and its unique payments offering, it exists to champion inclusivity and serve the underserved.
