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

Google

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

Google

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