Consumer Banking
Süžeeskeem Tekst
- Nice to meet you Suvi, what information do you need?
- Hi Bart, I am Suvi. I've heard about your renovation loan through Amy. Maybe we can work something out?
- Oh WOW, I didn't know this existed!
- Alternative data generally refers to any data that is not directly related to a consumer’s credit behavior.
- Oh interesting!
- We'll be specifically taking a look at your transaction behavior for your debit card.
- Oh really?! Thanks Ms Suvi, I always knew I was a responsible adult.
- Bart, I've noticed that your transaction behavior looks clean. I see that you've only spent on the basic necessities.
- Thanks Suvi, I'll promise to repay the loans!
- Bart I think you are credit worthy because you have been responsible with your money. Your loan is approved!
- Hey Suvi, I've paid up on the whole renovation loan. I'm so thankful that you decided to grant me the loan.
- My pleasure Bart, I've always preached that alternative data can be equally as useful in credit scoring.
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