{"id":159654,"date":"2022-11-18T05:52:47","date_gmt":"2022-11-18T05:52:47","guid":{"rendered":"https:\/\/finbraine.com\/?p=159654"},"modified":"2024-03-19T09:17:58","modified_gmt":"2024-03-19T09:17:58","slug":"the-top-credit-scoring-metrics-lenders-should-follow","status":"publish","type":"post","link":"https:\/\/finbraine.com\/fr\/the-top-credit-scoring-metrics-lenders-should-follow\/","title":{"rendered":"The Top Credit Scoring Metrics Lenders Should Follow"},"content":{"rendered":"
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The Top Credit Scoring Metrics Lenders Should Follow<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Consumers, all around the world, are now borrowing more than ever. The need for a better lifestyle, meet the luxury aspirations, and improve quality of life – has motivated consumers to borrow readily. This has evidently given rise to the need for faster, effective and secure credit scoring. AI-based algorithms are the perfect answer to fraud risks, and the need for delivering a\u00a0 better borrowing experience.\u00a0<\/span><\/p>\r\n \r\n

Since all borrowers cannot behave and think the same way – their creditworthiness cannot be determined with a fixed set of parameters. Your scoring system has to be widespread and must consider a 360-degree data collection and analysis.\u00a0<\/span><\/p>\r\n \r\n

#1 Telecom Score\u00a0<\/b><\/p>\r\n

Telecom data has good correlation with credit risk estimation of possible default in the future it must include the features of:\u00a0<\/span><\/p>\r\n\r\n

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  • Abonnement (profil, dur\u00e9e, produits, offres group\u00e9es)<\/span><\/li>\r\n \t
  • Utilisation (sch\u00e9ma d'appel, appareil mobile, paiements P2P\/micro, installation de l'appareil)<\/span><\/li>\r\n \t
  • Facturation (mod\u00e8le de rechargement pr\u00e9pay\u00e9, services SVA, cr\u00e9dit de rechargement, retard de paiement postpay\u00e9, suspension et recouvrement)<\/span><\/li>\r\n \t
  • Autres (localisation, itin\u00e9rance \u00e0 l'\u00e9tranger, mod\u00e8le VOC, t\u00e9l\u00e9chargements d'applications financi\u00e8res)<\/span><\/li>\r\n<\/ul>\r\n \r\n

    #2 Social Score\u00a0<\/b><\/p>\r\n

    Data available through smart phones based on browsing history and personality analysis help in determining social score. This can take into account:\u00a0<\/span><\/p>\r\n\r\n

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    • Donn\u00e9es d\u00e9mographiques<\/span><\/li>\r\n \t
    • \u00a0Donn\u00e9es sur le contenu<\/span><\/li>\r\n \t
    • \u00a0Donn\u00e9es de r\u00e9seau<\/span><\/li>\r\n \t
    • \u00a0Messages SMS<\/span><\/li>\r\n<\/ul>\r\n \r\n

      #3 Financial Score\u00a0<\/b><\/p>\r\n

      Parmi les facteurs qui influent sur le cr\u00e9dit, citons les retards de paiement, les comptes les plus anciens, l'utilisation du cr\u00e9dit, les demandes d'informations difficiles, le solde total et le cr\u00e9dit disponible.<\/span><\/p>\r\n\r\n

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      • Portefeuille ou Mobile Money<\/span><\/li>\r\n \t
      • \u00a0Banques\/MFI<\/span><\/li>\r\n \t
      • \u00a0Bureau de cr\u00e9dit<\/span><\/li>\r\n<\/ul>\r\n \r\n

        #4 Transaction Score\u00a0<\/b><\/p>\r\n

        Le score de transaction est calcul\u00e9 sur la base des achats effectu\u00e9s sur diff\u00e9rents canaux.<\/span><\/p>\r\n\r\n

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        • E-commerce<\/span><\/li>\r\n \t
        • \u00a0Historique des achats<\/span><\/li>\r\n \t
        • \u00a0Transactions au point de vente<\/span><\/li>\r\n \t
        • \u00a0Paiements des commer\u00e7ants<\/span><\/li>\r\n<\/ul>\r\n \r\n

          #5 KYC Score\u00a0<\/b><\/p>\r\n

          Score calcul\u00e9 sur la base du degr\u00e9 d'identification et de v\u00e9rification du client.<\/span><\/p>\r\n\r\n

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          • V\u00e9rification et validation sur le terrain<\/span><\/li>\r\n \t
          • \u00a0Correspondance des visages et d\u00e9tection de la vivacit\u00e9<\/span><\/li>\r\n<\/ul>\r\n \r\n

            #6 Info Score\u00a0<\/b><\/p>\r\n

            Ce que vous poss\u00e9dez et combien vous gagnez d\u00e9termine votre Info Score qui est calcul\u00e9 sur la base de vos revenus et de vos d\u00e9penses en services publics.<\/span><\/p>\r\n\r\n

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            • Donn\u00e9es sur l'utilisation des services publics - \u00e9nergie, gaz<\/span><\/li>\r\n \t
            • Donn\u00e9es sur les biens - propri\u00e9t\u00e9, location<\/span><\/li>\r\n \t
            • Emploi - Revenu \/ Salaire<\/span><\/li>\r\n<\/ul>\r\n \r\n

              If the lending system takes into account these prominent scoring metrics, they are covered against the risks of frauds upto a high extent. Effective credit scoring can help safeguard against impersonation frauds, instant validation, false salary validation, instant data extraction, etc.\u00a0<\/span><\/p>\r\n

              All these metrics together reflect the score in the form of credit score cards. A higher credit score means a lower risk of default. Applicants with a good payback history are often likely to have a good credit score.\u00a0<\/span><\/p>\r\n \r\n

              It is Recommended for Applicants to Keep A Track of Their Credit Record<\/b><\/p>\r\n

              Credit scores and reports can be easily calculated for individuals. Keeping a good record of the credit score helps boost the confidence of the applicant. This can easily be compared with the instant and automated credit report card generated by AI-powered solutions. These can be mapped for a smooth transition and approvals for loan origination.\u00a0<\/span><\/p>\r\n

              Automated Credit scoring systems are fast empowering banks, telecoms, Wallet service providers, and consumer lenders towards instant and accurate credit scoring and faster than ever loan processing. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

              The Top Credit Scoring Metrics Lenders Should Follow Consumers, all around the world, are now borrowing more than ever. The need for a better lifestyle, meet the luxury aspirations, and improve quality of life – has motivated consumers to borrow […]<\/p>\n","protected":false},"author":1,"featured_media":162634,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20,57,56,58],"tags":[],"class_list":["post-159654","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogs","category-fintech","category-kyc","category-lending"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/finbraine.com\/fr\/wp-json\/wp\/v2\/posts\/159654","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finbraine.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finbraine.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finbraine.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finbraine.com\/fr\/wp-json\/wp\/v2\/comments?post=159654"}],"version-history":[{"count":0,"href":"https:\/\/finbraine.com\/fr\/wp-json\/wp\/v2\/posts\/159654\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finbraine.com\/fr\/wp-json\/wp\/v2\/media\/162634"}],"wp:attachment":[{"href":"https:\/\/finbraine.com\/fr\/wp-json\/wp\/v2\/media?parent=159654"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finbraine.com\/fr\/wp-json\/wp\/v2\/categories?post=159654"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finbraine.com\/fr\/wp-json\/wp\/v2\/tags?post=159654"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}