How technology helps expand credit analysis
Posted: Sun Apr 20, 2025 3:38 am
By incorporating alternative data, using hybrid models and creative approaches, it is possible to build a more complete and accurate view of the customer profile.
As a result, this reduces financial exclusion and optimizes netherlands mobile database credit portfolio. Understand in detail below.
Incorporation of alternative data
To enhance credit analysis, your institution can benefit from data sources that go beyond traditional credit bureaus . These sources include:
Public data : information available in government databases, such as regularized CPF and work records;
Transactional data : history of bank transactions , movements in digital accounts and use of payment applications;
Behavioral data : information collected based on consumer habits, such as online shopping, paying bills on time and frequency of use of financial services.
By integrating this alternative data, you can identify patterns that indicate payment capacity and credit propensity, which allows for more inclusive and assertive analyses.
As a result, this reduces financial exclusion and optimizes netherlands mobile database credit portfolio. Understand in detail below.
Incorporation of alternative data
To enhance credit analysis, your institution can benefit from data sources that go beyond traditional credit bureaus . These sources include:
Public data : information available in government databases, such as regularized CPF and work records;
Transactional data : history of bank transactions , movements in digital accounts and use of payment applications;
Behavioral data : information collected based on consumer habits, such as online shopping, paying bills on time and frequency of use of financial services.
By integrating this alternative data, you can identify patterns that indicate payment capacity and credit propensity, which allows for more inclusive and assertive analyses.