Customer acquisition is to help clients make accept or reject decisions and decide the appropriate credit limit or interest rate in loan or card by evaluating a consumer¡¯s risk level and the ability to pay.
Customer management is to assist clients to decide whether an existing customer¡¯s maturity should be extended or not, and recalculate a credit limit or interest rate through risk assessment.
Collections are for supporting clients in managing delinquent customers through debt (customer) evaluation.
Income, tax payment, exemplary taxpayer, health insurance, national pension, telecom payment & utility payment
Credit data collected, processed and provided in the form of a report
Personal Credit Report | A comprehensive credit report which includes information on loans, credit cards, and delinquency to understand a consumer¡¯s creditworthiness |
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SOHO Credit Report | A comprehensive credit report which includes information on loans and delinquency to understand a micro-business owner¡¯s creditworthiness |
Transaction Alarm | Changes which impact a consumer¡¯s credit status are notified daily |
Creditworthiness rank-ordered using consumer credit data
k-score | A consumer¡¯s possibility of having default in the next one year is rank-ordered in the form of credit scores and grades |
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Subprime Score | The default possibility of a consumer using unsecured loans at higher interest rates in the subprime market is rank-ordered in the form of credit scores and grades |
SOHO Score | A micro-business owner¡¯s possibility of having delinquency of more than 90 days in the next one year is rank-ordered in the form of credit scores and grades |
Bankruptcy Score | A consumer¡¯s possibility of going through bankruptcy, rehabilitation, or credit recovery in the next 18 months is rank-ordered in the form of credit scores and grades |
R-Score | A consumer¡¯s possibility of filing for credit rehabilitation (including confirmed ones) in the next 12 months is rank-ordered in the form of credit scores and grades |
Self Cure Score | A delinquent consumer¡¯s possibility of repaying debt (within 30 days after the first date of delinquency) is predicted and rank-ordered in the form of credit scores and grades |
GRAS | Fraud possibility of an applicant is categorized into three different levels based on application data submitted |
KPL | A consumer¡¯s projected income is provided along with the income reported by member companies |
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DTI Estimation | The ratio of a consumer¡¯s monthly debt payment to monthly income is calculated for service |
Income Verification | A consumer¡¯s income and employment data is confirmed in the defined websites such as National Pension or Health Insurance |
Credit Opening Possibility Index | The possibility of changes to one¡¯s credit status resulted from new credit opening is provided for service |
Affordability Index | The amount of repayment which can be made stably in the future without delinquency is provided for service |
I-Index | The possibility of a thin-file consumer¡¯s delinquency is predicted and rank-ordered in the form of grades using alternative data |
Orange Report/Outlook | Consumer credit trend report provided for member clients¡¯ lending strategy development |
All-In-One | Lending strategy (such as approval or reject, limit, and interest rate) operating solution |
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SAFE | Fraud detection solution to prevent fraudulent transactions |