The psychographic scoring and profiling looks at the personality and behaviour of people when it comes to money, to give you a better, fully-formed picture of their creditworthiness. This helps to increase acceptance of thin file customers but the deep insights will also help to personalize preventive servicing programmes. A breakthrough of new-to-bank customer growth.
Benefits: (1) access to thin file target groups, (2) increase acceptance rate with 15% and decrease of defaults of 20%, (3) accuracy of 0,66, (4) fully automated process and API connection and (5) agile implementation.
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