Bercut

To adequately assess borrowers’ reliability and automatically take decisions on their applications, banks and microcredit organizations use data-based scoring. Part of this data, such as a subscriber status, geolocation or capacity to pay, comes from partners, for example, mobile network operators. In this case, the scoring point of a subscriber complements the scoring model of a bank. To implement such product, Bercut offers the Bank Scoring system.

Tasks

ENHANCE THE CUSTOMER’S SCORING POINT COMPLEMENTED BY DATA FROM PARTNERS

CHECK CUSTOMERS’ CAPACITY TO PAY BASED ON THE SUBSCRIBER BEHAVIOR

CREATE AN ACCURATE PICTURE OF ONE’S CONSUMER

Solutions

Bank Scoring helps facilitate interaction between the operator and the bank and ensure secure data transfer. An optional setting is asking the subscriber’s consent to transfer such data.

System features:

Automatic calculation and storage of the scoring point, segmentation of subscribers.
Transfer of scoring to external systems (scheduled or upon request).
System user web interface.
Ability to set a formula for calculating the scoring point and rules of segmentation.
Built-in testing mode.

Compliance with the requirements of the following federal laws:

- 218-FZ on Credit Histories;
- 152-FZ on Personal Data;
- 126-FZ on Communications.

Products

HIP BERCUT

The Hybrid Integration Platform is the basis for integrations, creating products and automating business processes

Result

The operator diversifies their business by creating new products for their partners, and develops Big Data.
The bank gets an opportunity to create a financial picture of a customer, thereby ensuring security and providing attractive offers for customers.
Customers receive personalized and well-timed offers.

Tasks

Solutions

Products

HIP BERCUT

Result

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