最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯金融信息服务

细数东南亚几大新型信贷评估服务商

目前,全球有近50%的成年人无法获得任何形式的银行服务。不能享受基本金融服务,导致个人及企业无法进行借贷或储蓄,也阻碍了这些人的脱贫速度。

而利用新式移动技术,金融科技企业采用替代品取代传统数据,开发评估个人信誉的新方式,使信贷得以覆盖未享有金融服务之人,触达未被开发之市场,同时助益经济发展,从而彻底转变贫困地区的经济基础。

特别是在东南亚,该地区6亿人中仅有27%的人士拥有银行账户,新型信贷评估方式潜力巨大,目前已经有几家创企发现了这个难得的商机。

CredoLab(新加坡)

新加坡风险管理创企CredoLab成立于2016年,该平台与东南亚出贷方合作,将其评分模型融合在各大平台的信贷评估结构中。

CredoLab开发的这款信用评分移动应用CredoApp可以针对用户手机内的5万个数据点进行分析,并在两分钟内产生信用评分。

CredoLab目前在新加坡、印度尼西亚、菲律宾、马来西亚、泰国、越南与缅甸均有业务。

Lenddo(新加坡/菲律宾)

Lenddo成立于2011年,此前曾拥有四年的实际借贷业务运营经验。

Lenddo采用社媒及智能手机记录等非传统数据探明用户金融状况稳定性。Lenddo的机器学习算法可就每份申请分析多达12000种变量,并生成信用评分。

Lenddo在2015年开始将其技术面向第三方开放,如今在菲律宾、印度、韩国、墨西哥及哥伦比亚均有业务。

Juan Credit(菲律宾)

菲律宾领军金融科技创企Ayannah也在近期发布了一款人工智能驱动的信用评分系统。

新产品名为Juan Credit,是其与菲律宾最大的电力企业Merlco下辖支付子公司Bayad Center的合作成果。

Juan Credit分析账单支付、手机充值、保费支付、社媒资料等非结构化数据,为无银行账户的菲律宾人士显示信用评分,同时还为银行、金融公司、保险企业、地产开发商提供可即时并不断更新借款人信誉度、保障良性核保的系统。

TrustingSocial(越南、新加坡及美国)

TrustingScoial成立于2013年,该公司通过将大数据与社交、网络及移动数据相结合从而提供消费者信用评分。

该方案可帮助新型市场出借方获取更多的用户资源,其中就包括为不被传统信用机构所覆盖的数十亿“金融隐形”消费者。

TrustingScoial评分从三个纬度评估在线申请者的信誉度:

  • 真实性,即评估在线申请者沈飞的真实性及可信度;
  • 网络质量,即基于申请人与他人的互动及其背景评估其社交网络使用深度;
  • 金融信用,即基于个人工作史与教育背景评估其收入占比。

TrustingScoial在美国、新加坡及越南均有业务。

Tala(总部位于美国,在菲律宾设有办事处)

Tala的前身为InVenture,是一家利用用户智能收据数据评估其信誉度的移动技术与数据科学企业。

Tala的移动应用整合了用户手机中1万余个不同的数据点,涵盖金融交易、储蓄、网络多样性、地理轨迹等内容,并以此为基础创建定制化的信用评分,提供个性化的金融服务。迄今,该公司已发放了100多万份贷款,总额超过5000万美元。

Tala目前在东非及南亚开展服务,在该地区聚焦改善未享有服务个体的金融服务状况。该公司总部位于圣莫妮卡,在马尼拉麻、菲律宾及肯尼亚内罗毕设有办事处。

Globally, almost 50% of adults have no access to banking-type services of any description. The lack of access to basic financial services has created major barriers for people to overcome poverty by making it almost impossible for individuals and businesses to borrow or save money.

This is where the real opportunity for financial technology lies. By leveraging new and mobile technologies, fintech companies can radically shift the economic foundation of impoverished regions by creating opportunities for the unbanked to obtain the basic services they need to improve their financial situation. And this includes access to credit.

By using substitutes to “traditional data,” fintech companies have developed new ways of assessing one’s creditworthiness, making it possible to extend credit to the financially excluded and access an unserved market while contributing to economic development.

In Southeast Asia in particular, where only 27% of the region’s 600 million people have a bank account, the potential of alternative credit scoring is enormous and several startups have already emerged to tap into this opportunity.

CredoLab (Singapore)

One such company is CredoLab, a Singapore-based risk management startup founded in 2016. CredoLab partners with lenders across Southeast Asia and integrates its digital scorecard into their existing credit scoring infrastructure.

With a mission to bring credit to the vast underbanked population in the region, CredoLab has developed a credit scoring mobile app, CredoApp, which evaluates over 50,000 data points from a client’s phone and produces a credit score in under two minutes.

CredoLab currently has ongoing operations in Singapore, Indonesia, Philippines, Malaysia, Thailand, Vietnam and Myanmar.

The company claims that phone data is “a startlingly precise” indicator in a client’s repayment behavior. This allows CredoLab to improve both the availability of credit to those with no banking history allowing a lender to reduce their cost of risk and increase their approval rate amongst other benefits.

Lenddo (Singapore/Phlippines)

Another venture is Lenddo, a company founded in 2011 that has developed a credit scoring technology following four years of actual online lending experience.

Lenddo uses non-traditional data comprising social media and smartphone records to ascertain customers’ financial stability. The company partners with traditional and alternative lenders, who offer borrowers the opportunity to share their individual data in order to be assessed. Once customers opt in, Lenddo’s machine learning algorithms analyzes up to 12,000 variables for each application to generate a credit score.

Lenddo began opening its technology to third parties in 2015 and is now live in 20 countries including the Philippines, India, South Korea, Mexico and Colombia.

Juan Credit (the Philippines)

Ayannah, a leading fintech startup from the Philippines, has recently expanded its offering and launched a credit scoring system powered by artificial intelligence.

Called Juan Credit, the new product was born out of a partnership with Bayad Center, the bills payment subsidiary of Meralco, the Philippines’ largest electric utility.

JuanCredit analyzes unstructured data from various sources including bills payment, mobile tops, insurance premium payments, social media profiles, to provide credit scores for unbanked Filipinos, while providing banks, financing companies, insurers and property developers with a system that instantaneously and continuously updates a borrower’s credit worthiness and insures sound underwriting.

TrustingSocial (Vietnam, Singapore and the US)

Founded in 2013, TrustingSocial has developed a solution that combines Big Data technology with social, web and mobile data, to provider consumer credit score.

The solution enables lenders in emerging markets to serve the billions of “financially invisible” consumers who are not covered by credit bureaus.

TrustingSocial Score measures creditworthiness of an online identity in three dimensions: authenticity, which measures how likely an online identity is real and trustworthy; network quality, which measures the depth of the network based on interactions with other people and their background; and financial credibility, which estimates a person’s income percentile based on the work history and education.

The company has offices in the US, Singapore and Vietnam.

Tala (headquartered in the US with an office in the Philippines)

Tala, formerly InVenture, is a mobile technology and data science company that uses smartphone data to assess clients’ creditworthiness.

Tala’s mobile app aggregates more than 10,000 different data points on a customer’s device, including financial transactions, savings, network diversity, and geographic patterns, to build a customized credit score and deliver personalized financial services. So far, the company has delivered more than a million loans, totaling over US$50 million.

Tala currently operates in East Africa and Southeast Asia, where it focuses on improving financial access for underserved individuals. The company is headquartered in Santa Monica and has offices in Manila, the Philippines, and Nairobi in Kenya.


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