最有看点的互联网金融门户

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智能手机数据助力菲律宾数字借贷大发展

在工薪阶层银行账户渗透率方面,菲律宾一直处于全球末位。据悉,菲律宾有近90%的成年人无征信记录,也就是说他们只能向银行系统之外的放款方借款。

但是,菲律宾的数字设备渗透率却很高。截止2016年,菲律宾已经成为东南亚地区增长最为迅速的智能手机市场,仅第一季度进口的设备量就超350万台。这样的数字产品覆盖率似乎给那些无法享受到传统金融机构服务的人士提供了全新的金融途径。

然而金融科技平台要想真正成为可行信用获取方式,就必须拥有和传统银行体系的一样可信可靠的数据支持。

手机使用数据与信用度

一般来说,只有银行可评估用户的信用度,因为只有银行可以获得申请人的信用与抵押历史等信用评估指标。然而随着智能手机行为数据等替代数据源的兴起,这种状况已经开始发生改变。

如今某些金融科技企业正采用移动借贷应用,这些应用利用智能手机大数据优化信用评估程序并作出迅速可靠的信用决定。

通过通话时长、时间戳、充值、数据使用、移动漫游、位置等数据,放款机构可建立匿名足迹,识别预测因素与主要行为模式,进而评估申请人的贷款资质。最近在菲律宾推出的pera247、Moola LendingRobocash等平台采用的就都是这种模式。

布朗大学经济学家Daniel Bjorkegren证实了移动行为数据用于信用评估的成功度。

Bjorkegren发现,持续移动使用与人口统计数据与个人偿还贷款能力不相关。但移动、变化、使用频率等指标与低违约风险相关。

Bjorkegren还发现移动使用数据尤为有用,原因在于其可创制用户消费习惯快照。例如,保持手机账户余额充足表明此人可保证其账户中有充足的贷款,足够可靠。若顾客手机账户余额不足,那么在进行定期贷款偿还方面可能就不那么可信。

确保拓展采用范围

菲律宾央行表示,自2008年起,菲律宾消费者贷款就呈持续增长。若这一趋势继续持续下去,菲律宾数字借贷将为整个菲律宾经济发展带来巨大的帮助。

此外,菲律宾智能手机用户数2021年预计将达到9000万。使用数字渠道获取金融服务将可能成为主流。

使数字普及促进提升普惠金融的模式转变或将发生。然而,要保证数字借贷与其他金融科技服务受到更广泛的采纳,金融机构应实施强有力的监管框架,解决了解客户指标、风险管理、带有遗留系统的业务延续性及消费者数据安全等问题。

银行可能也会选择与更为成熟的大型技术解决方案提供商合作,为金融科技创企准入造成障碍。金融科技企业要实现显著增长,确保更为广泛的业内合作从,而搭建可持续生态系统至关重要。

扩大信用获取度同样存在内在风险。菲律宾等发展中经济体消费者将需谨慎小心,不拖欠贷款或超额贷款。因此,随着更多信用渠道的浮现,为充分享受银行服务人士需接受更高阶的金融教育,保证稳健财政策略家喻户晓。

根本上看,驾驭金融科技的真正价值并不仅仅在于提升市场效率。金融科技通过提升信用获取范围可对未充分享受银行服务人士的经济状况产生极大的影响。

The Philippines ranks among the lowest in bank account penetration for working citizens. Nearly 90 percent of adult Filipinos today are also not registered with a credit bureau, meaning they would have to turn to money lenders outside of the banking system.

However, digital devices are everywhere. In 2016, the Philippines was the fastest-growing smartphone market in Southeast Asia, with over 3.5 million devices shipped to the country in just the first quarter alone.

Therefore, there is a huge opportunity for fintech businesses to impact the lives of the underbanked in the Philippines. But for fintech platforms to become truly viable distribution channels for credit access, they must replicate one of the bedrocks of traditional banking system—a trustworthy and reliable backend.

Mobile usage data and creditworthiness

Traditionally, only banks could achieve that because key credit assessment indicators, such as available credit and collateral history, were only available to those within the system. But this has changed with the rise of alternative data sources such as smartphone behavior data.

Some fintech companies today are using mobile lending apps that use smartphone big data to optimize the credit assessment process and make fast and reliable credit decisions. This type of system also empowers many people locked into a cash-based economy in Southeast Asia.

With data such as call duration, time stamps, top-ups, data usage, mobile roaming, and location, among others, lenders can build an anonymized footprint to identify predictive factors and key behavior patterns. These pieces of information help them evaluate whether an applicant is a credible borrower.

This is now available in the Philippines. We recently launched our pera247 platform and similar platforms include Moola Lending and Robocash. By incorporating a unique digital credit assessment process into the underwriting algorithm, these platforms boost credit availability to those with limited or no banking history, increase their approval rate, and reduce risk. These mobile apps can also act as digital wallets.

Daniel Bjorkegren, an economist at Brown University, tested how successful behavioral mobile data points would be in evaluating creditworthiness.

He found that consistent mobile usage and demographics don’t correlate to an individual’s ability to repay a loan. But measures of mobility and variation and frequency of use are associated with low default risks.

Bjorkegren also discovered that mobile usage data is particularly useful, as they can create a snapshot of a person’s spending habits. For instance, a person who keeps his phone balance topped up shows that he or she is responsible enough to make sure there’s enough credits to connect with his or her network. If a customer were to let their balance run low, they are less likely to be dependable when it comes to making regular loan payments.

Ensuring wider adoption

There is clear demand for digital consumer loans. According to the BSP, the Philippines has seen sustainable growth in consumer loans since 2008. Riding on this positive trend, the benefits of digital lending in the country will be equally significant.

Moreover, smartphone users in the Philippines are expected to reach 90 million by 2021. Using digital channels for financial services will likely become mainstream.

A paradigm shift could take place to allow digital inclusion to advance financial inclusion. However, to ensure a wider adoption of digital lending and other fintech services, financial institutions should put in place a strong regulatory framework addressing KYC measures, risk management, business continuity with legacy systems, and consumer data security.

Banks might also choose to work with larger, more established technology solution providers and impede the entrance of fintech startups. For the fintech landscape to achieve significant growth, it is then crucial to ensure wider industry collaboration to build a sustainable ecosystem.

There are also inherent risks that comes with having greater access to credit. Consumers in developing economies like the Philippines would need to be very careful not to default on loans and borrow money beyond their means. That said, the underbanked would need a higher level of financial education to ensure household financial prudence as more credit avenues emerge.

Ultimately, the true value in harnessing fintech is not only to improve market efficiency. By advancing credit access, fintech would significantly impact the economic status of the underserved.


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