the future of the credit lending - institutul bancar român · customer management corporate &...
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![Page 1: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/1.jpg)
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![Page 3: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/3.jpg)
The Future of the Credit Lending
SUMMER BANKING ACADEMY
![Page 4: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/4.jpg)
SUMMER BANKING ACADEMY
Inside-out Outside-in
![Page 5: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/5.jpg)
Inside-out Outside-in
SUMMER BANKING ACADEMY
![Page 6: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/6.jpg)
SUMMER BANKING ACADEMY
In June 2017, Experian commissioned Forrester Consulting to
conduct a survey of nearly 600 business decision makers in
Europe, the Middle East, and Africa
![Page 7: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/7.jpg)
Customer
Insight
SUMMER BANKING ACADEMY
![Page 8: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/8.jpg)
SUMMER BANKING ACADEMY
Current situation
Customer
Insight
![Page 9: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/9.jpg)
Customer
Insight
SUMMER BANKING ACADEMY
Transactional
Insight WEB Insight
Voice
Insight
![Page 10: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/10.jpg)
Transactional
Insight
SUMMER BANKING ACADEMY
Profile
A data categorization
engine
Transferrable across
countries
Classification
Salary
Rent
Travel
Utilities
2
Delinquency
1
Limits and
Spending
Attrition
1
2 3
Categorization
![Page 11: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/11.jpg)
Transactional
Insight
SUMMER BANKING ACADEMY
Fraud
Detection
Credit
Risk
Collections
Shopper
Profile
Spend
Watch
Business Benefits
► 22% fraud detected at 1%
review rate, Tier 1 Italian bank
► + 25% improved flow rate from
bucket 0 to bucket 1,
International Banking Group,
EMEA
► + 25% spending increase,
large payment service
company
![Page 12: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/12.jpg)
SUMMER BANKING ACADEMY
PSD2 NPL
Regulation
Early
Warning
Systems
Affordability
Assessment
Forbearance
Measured
Transactional
Insight
Credit
Risk
How about the Regulations?
![Page 13: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/13.jpg)
WEB
Insight
SUMMER BANKING ACADEMY
Selection and
classification
of relevant
sites
Text Mining on
Web snippets
Data-Mart &
Web Profiles
1
2
3
Web Crawling & Data
Mart
Modelling &
Integration
Machine
Learning for
feature
selection and
model
development
Integration with Credit
Score using Machine
Learning
Integrated
Risk Score
Output 4
5
![Page 14: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/14.jpg)
WEB
Insight
SUMMER BANKING ACADEMY
Customer
Management
Corporate
& SME
Risk
Profiling
Marketing
Profiling
Search
Engine
Business Benefits
► 39% uplift in application scores
discrimination, 6 Million EUR
savings, France
► + 1.5M€ with enhanced credit
risk decisions, international
bank, EMEA
![Page 15: The Future of the Credit Lending - Institutul Bancar Român · Customer Management Corporate & SME Risk Profiling Marketing Profiling Google Search Engine Business Benefits 39% uplift](https://reader034.vdocument.in/reader034/viewer/2022042221/5ec7e7059b761d7a4112ac88/html5/thumbnails/15.jpg)
Voice
Insight
SUMMER BANKING ACADEMY
Duration
Silence
Zero-Crossing rate
Energy
Etc.
AI and Language Processing
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Voice
Insight
SUMMER BANKING ACADEMY
Marketing
Services
Language
Processing
Risk and
Collections
Tone
Analysis
Deep
Learning of
the Text
Business Benefits
► 15% Increase in the collected
amount, retail bank, CEE
► + 10% accuracy of collection
models, Large international
bank, EMEA
► + 92% more conversions
against a no score selection,
+7.2% in the contact rate, UK
insurance company
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