Pensata logoBack to home

News

What's New

The latest research, product, and company updates from Pensata.

  1. September 30, 2026Research

    Second research paper “Loss Aversion Is a State, Not Just a Trait” published on SSRN

    Our second paper, co-authored with Associate Professor Ryosuke Fujitani (Hitotsubashi University ICS), reports a preregistered field experiment with 143 participants measured under normal and crisis framing in a single session. Loss aversion rose by about 25% under stress, and nearly half of those most loss-averse under stress were not identifiable from normal-state measurement. The paper supplies the field evidence for the state-dependent framework introduced in “Beyond FICO”.

    Read more
  2. September 2026Company

    Pensata focuses on emerging-market credit

    Pensata is now fully focused on behavioral credit infrastructure for emerging markets, powered by the BYLAS™ Engine. Our Japan enterprise engagements continue unchanged as our deployment and research base.

  3. August 11, 2026Research

    Research paper “Beyond FICO” published on SSRN

    Our founding research on state-dependent behavioral measurement, co-authored with Associate Professor Ryosuke Fujitani (Hitotsubashi University ICS), is now available on SSRN.

    Read more