发现现代信用风险评分中的"先买后付"。

允许消费者分次支付货款的想法绝不是一个新发明。几十年来,延期付款和分期付款一直是金融和消费领域的一部分。但现在,经过缓慢的现代化进程,这种支付方式已经被改造、重塑品牌并扩大到更广泛的全球人群。我们称之为"先买后付"或"BNPL"。

虽然这种流行病加速了BNPL的普及,但也提出了一些有效的问题,如消费者对产品的真实了解、他们对所购买产品的承受能力,以及对其信用评分的潜在影响。

在本报告中,我们将深入探讨"先买后付"的市场,评估其巨大的持续潜力,并为您提供最新的思考和研究,告诉您如何通过在改善消费者信用方面发挥领导作用,使该行业继续蓬勃发展。

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里面有什么?

BNPL为千禧一代、千兆工人和更多的人提供服务。

了解为什么BNPL是当今最受欢迎的支付模式,以及您可能对它有什么误解。

权衡风险与利润的关系

了解一个执行不力的BNPL解决方案有哪些陷阱,以及如何在第一次尝试中获得正确的解决方案。

更好的信贷决定的承诺

探索技术可以帮助你导航到更高的利润是降低风险的方式。

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发现现代信用风险评分中的"先买后付"。

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CredoLab is at the forefront of innovative risk management practices that engage with novel credit risk modelling approaches availed by the surge in cell phone use. Core to CredoLab’s business is its modelling pipeline. Taking the smartphone as input, the data processing pipeline consists of a series of automated steps, rooted in machine learning techniques, that ultimately outputs a predictive model for credit default. To protect the confidentiality and to ensure against bias towards individual loan customers, only non-identifying metadata is used.

This e-book reports the findings of Dr Xiaofei (Susan) Wang, Lecturer and Research Scholar, Yale University from a review she did on CredoLab’s scoring model. She considered a vast array of alternative approaches for the various different steps of the pipeline and found favourable results, including when applied to real data.

In this e-book, we first explore the data sets that CredoLab consumes, how it translates it into scores, and the outcome it serves. In the latter part of the paper, we take a look at how CredoLab’s algorithm fared when compared to that of other major players with similar scoring models.

Dr. Xiaofei (Susan) Wang, PhD

Lecturer and Research Scholar, Department of Statistics & Data Science, Yale University

Born in Nanjing, China, Dr. Wang moved to the USA at an early age and has been associated with some of the leading institutions. She did her bachelors from the University of California and her PhD in Statistics from Yale University. She currently holds esteemed positions at a number of associations and works at Yale University as a lecturer and research scholar. She has a number of publications and accolades to her credit.