Imagine that a person decides to apply for credit. This requires going to the bank or any other financial organization and asking for money. There are 2 possible scenarios:
To improve and optimize the credit approval process, banks require information that:
Where can banks obtain such information? From operators.
Operators aggregate and store information that characterizes subscriber’s social and payment behavior, financial discipline and status, local and international telecom services and payments history, a well as many other unique and valuable parameters that can help banks understand and monitor each subscriber’s creditworthiness.
Jet Subscriber Credit – O2B solution that provides banks with dependable information about each new borrower by analyzing raw data from telecom operators. Unique and reliable tool to summarize subscriber’s creditworthiness.
Jet Subscriber Credit is the solution for assessment of financial status and financial discipline of individuals applying for bank’s credit services, using information about their use of communication services. JSC collects information on operator’s side about applicants, summarizes it and calculates credit score points for each applicant. The resulting score points can be compared with the average points for different regions.
Jet Subscriber Credit is an excellent tool for banks and financial organizations to make a comprehensive and balanced decision about applicant’s creditworthiness in a very short time. Furthermore, JSC allows monitoring financial status of each borrower after credit has been provided, by enriching borrower’s data with latest information, to give banks a reliable tool to monitor their credit customers.
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