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The Future of the Credit Lending
SUMMER BANKING ACADEMY
SUMMER BANKING ACADEMY
Inside-out Outside-in
Inside-out Outside-in
SUMMER BANKING ACADEMY
SUMMER BANKING ACADEMY
In June 2017, Experian commissioned Forrester Consulting to
conduct a survey of nearly 600 business decision makers in
Europe, the Middle East, and Africa
Customer
Insight
SUMMER BANKING ACADEMY
SUMMER BANKING ACADEMY
Current situation
Customer
Insight
Customer
Insight
SUMMER BANKING ACADEMY
Transactional
Insight WEB Insight
Voice
Insight
Transactional
Insight
SUMMER BANKING ACADEMY
Profile
A data categorization
engine
Transferrable across
countries
Classification
Salary
Rent
Travel
Utilities
2
Delinquency
1
Limits and
Spending
Attrition
1
2 3
Categorization
Transactional
Insight
SUMMER BANKING ACADEMY
Fraud
Detection
Credit
Risk
Collections
Shopper
Profile
Spend
Watch
Business Benefits
► 22% fraud detected at 1%
review rate, Tier 1 Italian bank
► + 25% improved flow rate from
bucket 0 to bucket 1,
International Banking Group,
EMEA
► + 25% spending increase,
large payment service
company
SUMMER BANKING ACADEMY
PSD2 NPL
Regulation
Early
Warning
Systems
Affordability
Assessment
Forbearance
Measured
Transactional
Insight
Credit
Risk
How about the Regulations?
WEB
Insight
SUMMER BANKING ACADEMY
Selection and
classification
of relevant
sites
Text Mining on
Web snippets
Data-Mart &
Web Profiles
1
2
3
Web Crawling & Data
Mart
Modelling &
Integration
Machine
Learning for
feature
selection and
model
development
Integration with Credit
Score using Machine
Learning
Integrated
Risk Score
Output 4
5
WEB
Insight
SUMMER BANKING ACADEMY
Customer
Management
Corporate
& SME
Risk
Profiling
Marketing
Profiling
Search
Engine
Business Benefits
► 39% uplift in application scores
discrimination, 6 Million EUR
savings, France
► + 1.5M€ with enhanced credit
risk decisions, international
bank, EMEA
Voice
Insight
SUMMER BANKING ACADEMY
Duration
Silence
Zero-Crossing rate
Energy
Etc.
AI and Language Processing
Voice
Insight
SUMMER BANKING ACADEMY
Marketing
Services
Language
Processing
Risk and
Collections
Tone
Analysis
Deep
Learning of
the Text
Business Benefits
► 15% Increase in the collected
amount, retail bank, CEE
► + 10% accuracy of collection
models, Large international
bank, EMEA
► + 92% more conversions
against a no score selection,
+7.2% in the contact rate, UK
insurance company
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