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世界消费者信用报告会议重点关注普惠金融发展

其他国际资讯

世界消费者信用报告会议重点关注普惠金融发展

近日,世界金融服务和信用报告组织高级负责人在印度新德里举行的世界消费者信用报告会议上(WCCRC)齐聚一堂,了解市场中发生的新变化。

本次会议的一个主要话题就是技术和新科技如何帮助发展中国家发展普惠金融。据世界银行统计,全球约有17亿人没有银行服务。这意味着这些人没有在任何金融机构或移动钱包提供商那有账户。

WCCRC会议主席 Neil Munroe说:

"普惠金融是全球性关键问题。如今,上百万人在新型信息和科技的帮助下获得了银行服务,改善了生活质量。而为个人和小企业提供帮助,让他们获得购买力和更好管理财务的能力对于所有国家的经济发展都十分重要。"

TransUnion 是一家芝加哥主要全球信息解决方案供应商,也是这次全球论坛的三大赞助商之一,另两家是消费者信用信息供应商协会(ACCIS)和消费者数据产业协会(CDIA)。

CDIA代表全国、地区及专门信用机构、居民审查公司、背景调查公司和其他信用报告行业的公司。ACCIS代表世界上最大的一组信用报告机构。ACCIS有40个成员机构,跨越27个欧洲国家;还有来自其他大陆的8个观察成员和附属成员。

会议上,TransUnion将呈现一份关于普惠金融的案例分析,引用案例来展示另类数据怎样为消费者创造更多获得信贷的能力。

比如南非只有70%的经济活跃群体获得服务,因为关于个人的信用数据不完善。TransUnion提供另类数据接入来解决这个问题,这些数据包括:电信数据、商业数据、房产数据、车辆物权信息。

TransUnion 全球地区总裁David Neenan 说:

"利用新的由科技支持的创新性数据来源,我们可以赋予人们更多权力,让他们能够获得更多的选择。这种'消费者优先'原则就是我们打造为消费者打造工具和安全措施让他们管理自己信用并保护自己身份信息的原因。这是将来信用报告产业几大动力来源之一。"

Top leaders representing financial services and credit reporting organizations from around the world are meeting at the World Consumer Credit Reporting Conference (WCCRC) held in New Delhi, India, to learn more about the changes that are occurring in their markets.

Among the key topics being addressed at the conference is how data and new technology are helping support financial inclusion in developing markets - an important factor for all international economies. Globally, about 1.7 billion adults remain "unbanked", according to the World Bank Group. That means that these adults are without an account at a financial institution or a mobile money provider.

"At a global level, financial inclusion is a key concern," said Neil Munroe, conference director of the WCCRC. "More information and new technology is facilitating access to financial services for millions and as a result enabling them to improve their quality of life. Providing individuals and small businesses with more access to purchasing power and the ability to better manage their finances is a key enabler for the economic development of all countries."

TransUnion (NYSE:TRU), a leading global information solutions provider headquartered in Chicago, is one of three primary supporters of this global forum, along with the Association of Consumer Credit Information Suppliers (ACCIS) and the Consumer Data Industry Association (CDIA).

CDIA is the voice of the consumer reporting industry, which represents consumer reporting agencies including the nationwide credit bureaus, regional and specialized credit bureaus, residential screening companies, background check companies, and others. ACCIS represents the largest group of credit reference agencies in the world. ACCIS brings together 40 members across 27 European countries and 8 associate and affiliate members from all other continents.

At the conference, TransUnion will be presenting a case study about the importance of financial inclusion with examples that show how alternative data is creating more credit access for consumers.

For example, South Africa services only 70% of the economically active population because there is not enough credit data on individuals. TransUnion has been able to address this market by providing access to alternative data sources such as:

  1. Telco data
  2. Commercial
  3. Property data
  4. Vehicle ownership

"Utilizing new and innovative data sources enabled by technology we can give people more power, allowing them access to a wider number of options," said David Neenan, President of International for TransUnion. "This ‘consumer first' philosophy is why TransUnion has built tools and safeguards that consumers can use to manage their credit and protect their identities. This is just one of the key initiatives that will drive the credit reporting industry of the future."


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