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عمومی::
امتیاز اعتبار
Mobile perspective talks about offering entire banking services on a mobile device by providing anywhere-anytime banking; analytics dimension acts like the brain of the bank and analyzes customers' transactional, demographic and psychographic data and brings out the insights into the customer purchasing and saving patterns, target marketing, segmentation, cross- sell/upsell, credit scoring, default modeling, churn detection, fraud detection, etc.
Once reasonable customer data quality is ensured, analytics paves way for a pleasurable customer experience, successful resolution of several business problems such as customer segmentation, credit scoring, target marketing, market basket analysis (cross-sell and upsell), default (NPA) prediction, fraud detection, churn modeling, sentiment analysis, campaign design and measuring its success, customer lifetime value modeling and prediction, etc.
This information, when integrated with the data that companies already hold on their customers, such as age, gender, purchase history or credit score, can allow them to be more effective when sending personalised offers or optimising website and mobile apps.
An online lender issued more than 2,000 loans, capturing each borrower's commercial credit score and a Lenddo Score.
With the same pool of prospective loans, the model combining traditional credit scores and the Lenddo Score achieved a default rate of 9.57 percent.
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