2023年3月24日,

现在3分钟读寄存器左起:Ambika沙玛,创造者的Fintech咖啡馆,Kareem萨利赫,公平竞赛的创始人兼首席执行官,戴夫•霍尔的共同创始人兼首席技术官,Codat, Seshu Guddanti,高级副总裁和高级软件工程主管服务器消息块平台对美国银行和约翰·戈登,呱呱的首席运营官。弗兰克加银行和信用合作社正越来越多地使用替代消费信贷数据,如银行账户信息,加强项目“重新审视融资”和贷款进入的市场。最近LexisNexis风险解决方案的调查大约225高级决策者营销、金融机构贷款和信用风险在美国发现,65%的受访者使用替代信贷数据增长50%到100%的所有新的申请者。因此,超过一半的营收增加15%,更高。U.S. Bancorp在辛辛那提是使用替代数据为小企业客户开发一个全面的银行平台,组织客户的账户和编译所有的收入和资产报表用于一个仪表板。在某些情况下,申请人的历史作为一个消费者可以填补空白的信用记录作为一个企业经营者,例如。Seshu Guddanti、高级副总裁和高级软件工程主管服务器消息块585美元billion-asset银行平台,解释如何应用平台的心态总消费账户和性能数据可以帮助银行提供更多的产品和服务。他强调,不限制客户的数据被归类为小企业客户,“也可能是一个消费者,也可能是一个抵押贷款的客户。…所以我们认为一旦这个数据聚合的平台,它可以使用许多不同的团队在银行对这些数据做出自己的决定,”Guddanti说在一个小组讨论Fintech Meetup本周早些时候在拉斯维加斯举行的会议。替代数据也帮助银行实现欠发达市场。 Companies that solely use data from credit agencies can unfairly perpetuate biases towards underserved communities and further the divide between them and lenders, said Kareem Saleh, founder and chief executive of the Los Angeles-based fairness solutions firm FairPlay . "It turns out that, especially if you're building models on credit bureau data, that the data is kind of overfit to the majority population. …[This] means that there are these subpopulations [of consumers] that are not well represented in the data whose riskiness can be overstated," Saleh said. As an alternative to traditional metrics, companies like Ribbit, a data solutions provider based in Oxford, Ohio, are helping financial services firms develop models for lending by analyzing consumer-provided account data and non-credentialed data to build a more comprehensive credit profile. In the case of firms that engage in second-look financing — which are loans offered to consumers whose credit scores generally fall below 680 and are turned away by larger institutions — the established rating methods are oftentimes not enough by themselves to render a confident decision, said John Gordon, chief operating officer for Ribbit. "For us, we believe that the [consumer's bank account] offers the clearest window into that consumer's financial health as well as ultimately what they can afford, so that you're creating the best possible relationship" between the financial institution and the consumer, Gordon said. Many small-business owners just starting out are facing a similar challenge when applying for lines of credit due to relatively incomplete performance profiles with rating agencies such as Equifax and Experian — leaving entrepreneurs with few options for funding and lenders with the question of how to best determine their credit worthiness. Dave Hoare, chief technology officer and cofounder of the London-based application programming interface firm Codat , explained how lenders integrated into a business client's point of sale system can obtain real-time transaction data to use as an up-to-date resource for assessing the creditworthiness of an applicant. "They can see sales literally up to the minute, they can see which products are selling well, they can see how sales have gone up over the months, they can see payment information and they just have this sort of closer-to-the-bone view of how the business is operating, rather than purely depending on [outdated] bureau data," Hoare said.