Unknown Story
Текст на Статията
- SCENE 1: CREDIT ASSESSMENT
- SCENE 2: Usage of alternative data
- I believe it is time for me to take personal loans for my personal use.
- SCENE 1: CREDIT ASSESSMENT
- Hello is this bank ABC? I am calling to obtain a personal loan, my name is Htet Lin
- I hope I improve my credit score with this loan and pay off some debts..
- SCENE 4: CUSTOMER'S REACTION
- SCENE 1: CREDIT ASSESSMENT
- Thank you for your application Htet Lin, we will get back to you as soon as possible
- Mr. Htet LinInsufficient data
- Might have to pass on to Gary for further investigation..
- Hard to find data on his past bank statements to deem trustable..
- It might be risky to approve his application...
- It seems Mr. Htet Lin is able to receive the bank loan with these data.
- Transaction data: Mr. Htet Lin
- Payment behavior : Acceptable Asset Sales : High Dividends : HighCredits: Acceptable
- Gary
- Why isn't alternative data used instead in the first place?
- Few days later...
- Hi is this Mr. Htet Lin? Your loan application is successful please follow up with the instructions in the SMS thank you.
- SCENE 3: APPROVAL OF LOAN
- Loan: Personal loanAPPROVED
- Mr. Htet Lin
- Thankfully alternative data is available, if not he will not be able to get the loan he wanted...
- I was worried it will be declined as I do not have enough documents to show...
- I wonder how it went through....
- Thank you for your assistance!
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