Whale Cloud | Credit Scoring

Overview

A credit score is a number that evaluates a consumer's creditworthiness.

ZSmart Credit Scoring provides credit score assessment and query solution based on authorized and comprehensive customer data, while remaining compliant with local data privacy regulations.

The Credit Scoring solution helps CSPs make accurate credit and risk management.

Features

Systematic scoring model creation

The system leverages a systematic approach for scoring model creation in four steps - data preparing, feature selection, model training and scoreboard building, and puts scoring models into production faster, while reducing your model risk.

Multi-dimensional credit scoreboards

Credit Scoreboards assess consumer creditworthiness from 5 dimensions, including personal identity, behavior preference, repayment capability, credit history and social relationship.

Standard APIs

The Credit Scoring can be shared with partners across industries for fast credit decision-making via industry-compliant open APIs and easy-to-use GUI.

Systematic scoring model creation

Multi-dimensional credit scoreboards

Credit Scoreboards assess consumer creditworthiness from 5 dimensions, including personal identity, behavior preference, repayment capability, credit history and social relationship.

Standard APIs

The Credit Scoring can be shared with partners across industries for fast credit decision-making via industry-compliant open APIs and easy-to-use GUI.

Benefits

Improved customer activeness & lower risks

With systematic scoreboard models, Credit Scoring improves customer activeness with lower financial risk.

Improved customer activeness & lower risks

With systematic scoreboard models, Credit Scoring improves customer activeness with lower financial risk.

Significant cost saving

Credit Scoring realizes significant cost saving by evaluating the credit risks with alternative data.

Significant cost saving

Credit Scoring realizes significant cost saving by evaluating the credit risks with alternative data.

New revenue streams

CSPs can develop their own ecosystems by providing credit scoring service based on score models.

New revenue streams

CSPs can develop their own ecosystems by providing credit scoring service based on score models.

Business Scenarios

Innovate telecom businesses with the credit scoring

With the continuous expansion of telecommunications businesses and proliferation of product innovation, it is imperative for CSPs to protect their businesses against bad debt expenses. With a reliable credit scoring system, CSPs are able to provide various services for customers based on their credit scores, including personalized lines of credit, deposit-free IDD&IR services, and installment phone plans, etc., which can expand the target customer base and increase the revenue with proactive risk control.

Cooperate with the financial industry to expand the utility of credit scores

Traditional credit assessment mainly covers people with their credit records in financial institutions. For CSPs, credit scoring covers a wide range of people with diversified data, which results in a reduction in costs and an improvement in efficiency. CSPs’ customers can even use their credit scores to apply some financial services as long as CSPs are collaborating with financial service providers.

Innovate telecom businesses with the credit scoring

Cooperate with the financial industry to expand the utility of credit scores

Business Scenarios

Innovate telecom businesses with the credit scoring

Cooperate with the financial industry to expand the utility of credit scores

Cooperate with service industries for new revenue stream

The prosperity of sharing economy, such as Uber and Airbnb, makes credit scoring particularly crucial. CSPs can create own ecosystem by partnering with players in service industries to provide deposit-free services, allowing customers to enjoy better services at a lower cost while helping service industries better prevent risks.