Strangely enough, these two questions will be sounded in the near future from the bank manager to the client when he wants to take a loan. At first glance it may seem that they are not connected with each other. But global banking practice shows otherwise. So, for example, already about 2 billion people around the globe were positively rated as borrowers, while not even having a bank account.
Payday Loan Evaluates Borrower though Telephone
The quality of a potential borrower today is determined by many factors. In our country, banks often learn from foreign, rapidly developing countries. The scoring technology of borrowers did not pass by by evaluating their telephone conversations.
In foreign practice, data is provided by a telecom operator. Such information in many cases is enough to qualitatively assess the client who wants to take a loan. According to one of the leading providers of financial information, Bloomberg, selling such information to banks, companies can earn substantial sums. In the United States of America, this business has already been estimated, it is about $ 1 billion. There are already companies in Russia that provide such data. The main indicator for evaluating a potential borrower, in the opinion of banks that use the system, is the number of incoming calls. It is believed that the more of them, the client is the most solvent and less dangerous for the risk department.
Responsible for credit obligations evaluated through telephone talks
In addition to the number of calls, the quality of those with whom the subject talks is also evaluated. This is not about listening to conversations, but about telephone numbers that appear in the list of telephone relationships. Hosts numbers are also evaluated in terms of solvency. If a potential borrower communicates with those who are responsible for credit obligations, he will receive a positive assessment, if there are malicious defaulters in his call list – the scoring receives a negative assessment. So, if in the near future you want to get a payday loan – think about how much you are talking on the phone and with whom.
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