How do you bank the “unbankable”? The question could hardly be of more importance to small businesses in emerging markets, an estimated 200m of which are starved of the finance they need to grow. One somewhat unlikely - but increasingly popular - answer is through psychometric tests. By yielding profiles of loan applicants' honesty, intelligence, aptitude and beliefs, the tests facilitate lending to otherwise "unbankable" borrowers who do not possess a credit history, collateral or accounts.