Storyboard_ICA2
Kuvakäsikirjoitus Teksti
- Yup! all seems good! Please wait awhile, let me check alternative data and i will confirm with you .
- Hi am I able to apply for unsecured loan?
- At the Bank
- Your alternative data does not reach our requirement for applying unsecured loans... So sorry about that
- Im sorry but I will have to reject your request ...
- Why?
- End of the month
- BUT YOU PROMISED!
- Sorry, I do not have any money to pay for the interest and loan itself
- A girl came to apply for a loan, all her data seems good and looks like she is able to return.
- we will see the overlapping of traditional credit characteristics and alternative data characteristics. By combining them, we will able to produce a more powerful model.
- How alternate data and modern modelling techniques are use for credit scoring?
- Oh no! By looking at her credit card transactions and mobile device data, she seems to spend money with no limit. Hence the banker decided to reject her request of applying unsecured loans.
- Maybe i should apply - do you think i will be able to?
- hahaha im not sure about your spending
- In the end, the girl couldn't return the amount she should. However, as it is an unsecured loan, the bank cannot do anything to solve this problem. Hence, It is important to do credit analysis, making sure that everyone has the ability to return the amount that they loaned.
- Anna and Ella went out for a talk, then anna ask questions on credit scoring as she knows that Ella works in the bank and she is interested in applying unsecured loan
- After understanding, Anna wants to apply for unsecured loan
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