Insight Genie: Redefining Credit & Hiring Decisions with Behavioral AI

Insight Genie is a Singapore-based AI startup specializing in behavioral analytics and predictive modeling. Founded in 2019, the company leverages behavioral science, neuroscience, and data analytics to help businesses make informed decisions about people. Insight Genie’s innovative platform analyzes multimodal data from voice and video to digital and social footprints to generate a proprietary “Genie Score” capable of predicting human behavior with exceptional accuracy (up to 93% accuracy in predicting risk and lifestyle).

Their mission is to unlock value from overlooked data, creating opportunities for individuals traditionally excluded from credit and employment assessments. Backed by prominent investors, including HSBC Asset Management, which led a $4 million seed round in 2022, Insight Genie currently serves markets across Southeast Asia with teams in Singapore, Indonesia, Malaysia, the Philippines, and Vietnam.

Why They Stand Out

• Combines behavioral science and AI to create the “Genie Score,” offering high-accuracy predictions (up to 93%) on risk, lifestyle, and trustworthiness.

• Targets the underserved 80% of the population in emerging markets who lack traditional credit histories.

• Uses multimodal data, voice, video, social media, smartphone usage to build rich behavioral profiles.

• Provides alternative credit scoring and talent assessment tools that outperform traditional models.

• Helps banks reduce bad debts by up to 80%, lower customer acquisition costs by 40%, and increase revenue 2–3×.

• Offers fraud detection and job performance prediction with real-world success across multiple industries.

• Recognized by global innovation programs, including Plug and Play and the Global Scaleup Competition.

• Features a patent-pending technology that blends psychometrics and machine learning.

Why to Watch

• Serves the financial inclusion movement in Southeast Asia, where millions are unbanked or underbanked.

• Forms key partnerships with major banks (e.g., RCBC in the Philippines) to pilot alternative credit scoring solutions.

• Expands beyond banking into insurance, education, and HR sectors for broader use cases.

• Demonstrates strong early traction, supported by a lean, multidisciplinary team across Asia.

• Positioned to benefit from regulatory tailwinds supporting alternative scoring and eKYC in the region.

• Offers a scalable, API-based product that integrates seamlessly with existing financial and HR platforms.

• Backed by top-tier investors like HSBC Asset Management, affirming its credibility and growth potential.

• Aligned with macro trends in digitization, inclusive finance, and AI-driven decision making.

Meet the Founder of The Team

• Hayk Hakobyan (Co-founder & CEO) – A nuclear physicist turned entrepreneur, Hayk spearheads Insight Genie’s vision of decoding human behavior using advanced AI techniques, bringing rigorous scientific thinking to the world of predictive analytics.

WOWS Take

With significant whitespace in underserved markets and robust regulatory support for inclusive finance solutions, Insight Genie is poised to become the leading behavioral analytics provider across Southeast Asia. Its technology addresses crucial gaps left by traditional credit assessment methods, targeting a rapidly expanding middle-class population.

Insight Genie’s innovative and highly accurate scoring system is already seeing impressive adoption and validation from major financial institutions. With its proven early traction, multidisciplinary team, and a product deeply integrated into clients’ daily operations, Insight Genie represents one of the region’s most promising and investable AI startups today.

Want to be part of the AI-driven behavioral analytics wave in emerging markets?

Insight Genie sparked curiosity at our AI Demo Day with its intuitive analytics engine. Discover their pitch on WOWS Dealflow.