The availability of new data sources creates enormous potential for developing predictive credit risk management models which go far beyond 'traditional' internal and credit bureau data.
We have already invested in this area, developing extensive knowledge, experience and established a track-record in delivering big data, data science, advanced analytics and smart credit solutions, in numerous countries across the globe.
Projects integrated with the traditional tools have quickly delivered increased benefits into the different areas of the credit lifecycle - from marketing, to credit risk, collection, customer retention and fraud.
We've briefly outlined a suite of advanced analytics solutions that use non-traditional data sources, including contact centre voice calls, transactional credit card information and unstructured web data, combined with machine learning techniques, to successfully deliver origination, customer insights, collections, regulatory and fraud prevention solutions.