Using psychometric analysis for determining credit risk

A system for obtaining psychometric information about a user, the system comprising:

• a user device;
• a processor in communication with the user device over a network;
• a personalized user management module provided by the processor, the personalized user management module configured to display a psychometric graphical object in a graphical interface for the user device;
• and
• a psychological traits evaluation module provided by the processor, the psychological traits evaluation module configured to measure user interaction with the psychometric graphical object displayed in the graphical interface, wherein to measure user interaction includes to measure, at a pixel level, of a position where the user clicks on the psychometric graphical object in the graphical interface;
• and
• wherein at least a first wider portion of the psychometric graphical object includes a label with a first keyword related to a psychological trait, and
• wherein at least a second wider portion of the psychometric graphical object includes a label with a second keyword related to the psychological trait.

A computer program product for obtaining psychometric information about a user, the computer program product being embodied in a non-transitory computer readable storage medium including computer instructions that when executed by a processor performs the following functions:

• providing a psychometric graphical object to a user device in a graphical interface by using a personalized user management module;
• measuring user interaction with the psychometric graphical object in the graphical interface by using a psychological traits evaluation module, wherein the measuring includes measuring, at a pixel level, a position where the user clicks on the psychometric graphical object in the graphical interface;
• labeling at least a first wider portion of the psychometric graphical object with a first keyword related to a psychological trait, wherein the psychological trait is a personality trait;
• labeling at least a second wider portion of the psychometric graphical object with a second keyword related to the psychological trait;
• and
• wherein the first keyword and the second keyword are dissimilar with each being associated with the psychological trait.