Behavioural AI for Student Finance
Predict academic success and loan repayment using AI-powered behavioural assessment technology
Science-Backed Behavioral Psychology
Leveraging 10+ years of longitudinal classroom data and career/job fit algorithms.
AI Powered Assessment and Prediction
Assessing likelihood to repay loans, course completion, and future earning potential.
For Thin-File, No Credit History Applicants
Serving people with no credit history through inclusive, ethical, and dynamic methods.
Many academically capable young people are excluded from higher education because they fall into the "missing middle" or have too little credit history for lenders to assess risk.
Adults lacking formal credit records
Lower enrollment due to credit constraints
Average Year 1 dropout rate
Average extended study periods
Our predictive models help lenders reduce defaults, HEIs reduce dropout rates, and students get matched to the right programs from day one.
AXCESSR uses behavioral psychology, AI scoring, and 10+ years of student-outcome data to evaluate course fit, repayment likelihood, course completion, and future earning potential - even for thin-file applicants.
The Predictive Power of Credit Scoring Models
Gini Coefficients
Predicts ability to repay
Predicts ability to repay
Yields superior results
How it works
Data Collection & Behavioral Assessment
Individuals complete a 15-minute AI-powered behavioral assessment capturing personality, values, academic attitudes, career fit, and situational responses - combined with academic history and biographical inputs.
AI Scoring & Risk Modeling
Our models calculate completion risk, repayment likelihood, career alignment, affordability and behavioral fit. Thin-file applicants receive synthetic scores using limited data.
Real-Time Routing & Placement
AXCESSR generates tailored reports for lenders, HEIs, bursaries, and applicants. High-potential students are routed into the right courses, opportunities, and funding partners. Institutions and lenders integrate via API or use the marketplace to access pre-profiled talent.
Our Solution
Behavioral Risk Intelligence
Predict repayment, completion, and performance using AI-backed psychometric science.
Predictive Gini 0.28-0.31 using behavioral data alone (credit risk)
Provides risk scores even for thin-file applicants
Reduces financial losses from defaults and non-completion
Enables confident lending and bursary allocation
Why Axcessr
Deep psychometric assessment
Calibrated specifically for student success (not generic creditworthiness)
Education finance focus
From day one (not adapted from other lending)
Longitudinal validation
With 10+ years tracking students from enrolment to career
Platform advantage
Serving students, lenders, AND institutions creates switching costs
Founding Team & Journey
2009
Jared joins Farrel at leading ZA Startup (Springleap)
2011-18
Jared joins Google for 7 years
2012
Farrel joins with Nathan to run Fast Maths (EdTech)
2015-25
Jurgen tests psychometrics for lending
2019
Jared, Farrel, Nathan co-found Yenza Careers (Online career guidance platform) Jurgen joins Yenza on retainer to develop our core psychometric assessments
2024
Ideation around starting Axcessr with all core members begins
2024
Yenza weathers difficult business conditions and becomes multi-award winning category leader
2025-26
Raising capital for Axcessr business venture
Want to Learn More?
Book a demo to see how Axcessr can benefit your business