To know more watch-https://youtu.be/YENVUJfe3tA spocto's customer proprietary credit scoring technology uses artificial intelligence and machine learning to analyse customers digital footprints to verify their identities and assess any risks associated with them. They translate data from non traditional data sources like their social media profile, browsing patterns into insights about the customer, his network, his relationships, his behavior. Any combination of these attributes can be combined to predict the customer's credit worthiness and his credit paying abilities through a spocto Score.

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BRIDGING GIGABYTES TOGIGASMILES

2. USE CASE
NBFC

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COMPANY INDUSTRY
RESULT TYPE
NBFC-Loan Finance– NBFC–MicroFinance
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27% more leads in top 2 micro
clusters
CreditAssessment &Analysis
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BUSINESS PROBLEM
Currently financial institutions determine credit ratings based on a client's previous credit history.This is a chicken and egg situation for customers with no credit as,
theywill notgetcreditscoretill theygetacreditandtherewill benocredit withoutascore.Reportsindicatethatless than25%of theIndian populationdoesnot have
avalidcreditscore.Thiscreatesaneedfortheevolutionof analternateplatformforcalculatingthecreditscoresfortheunderbankedtoelevatethemintothe financial
mainstream.
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PROCESS
spocto's customerproprietarycreditscoring technologyuses artificial intelligence
andmachinelearningtoanalysecustomersdigital footprintstoverify their identities
andassess anyrisks associatedwiththem.Theytranslatedatafromnon traditional
datasourcesliketheirsocial mediaprofile,browsing patternsinto insights about the
customer,his network,his relationships,his behavior.Anycombinationof these
attributescanbe combinedtopredictthe customer'screditworthinessandhis credit
paying abilitiesthroughaSpocto Credit Score.
INSIGHT
There is a need for credit score tobe created fromnon-traditional systems.
Customersusesmartphonesandareonsocial medialeavingtheirdigital footprints
behind..Data fromonlinesocial networksprovideinsights intocustomersdigital
behaviourandpsychographics.spoctoassessespersonality, values,opinions,
attitudes,interests,peer ratings,lifestyle etc to create spocto score
Thesecanbeanalysedtounderstandtheirattitude towards credit andcanhelpto
evaluate the potentialof borrowersby offering an alternatecreditscoring model.
spocto
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Confidential|DoNot ForwardWithout PriorAuthorization
NBFCUse Case

4. THANK YOU!
hello@spocto.com
www.spocto.com
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