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LOE MULLE
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Proovige seda
tasuta!
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süžeeskeemid
Proovige seda
tasuta!
Süžeeskeem Tekst
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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