2023年4月26日

2023年4月26日,印度:數字借貸平台MyShubhLife與數字的信用基礎設施公司FinBox承銷的客戶在其平台上的小的機票和隨需應變的貸款產品。MyShubhLife提供貸款和透支設施小商人、員工貸款,和隨需應變的工資。FinBox將其深入分析專業知識結合賬戶聚合器框架來評估風險參數的潛在客戶。大多數人在印度新信用卡或缺乏信用記錄,銀行對賬單作為替代決策引擎來評估這些客戶的貸款資格。然而,傳統的方法來獲取銀行對賬單,如PDF上傳或網上銀行,手續繁瑣,容易發生欺詐、客戶和潛在不安全。FinBox BankConnect,其賬戶聚合器功能,允許共享銀行對賬單的平台來簡化這個過程,確定文件的真實性,並進行準確的工資分類與客戶同意。“承銷等缺醫少藥段甚至低收入個人和商家可能會非常棘手。它需要快速和可靠的產品,生成一個高精度金融的借款人不繁瑣或太貴了。我們在FinBox不斷努力創造信用獲得可行的經濟平等正是這些被忽視的客戶群體,和裝備平台MyShubhLife全麵,實現規模,”首席執行官顧磊傑(Rajat Deshpande稱FinBox。FinBox BankConnect的聚合器的功能是幫助共享銀行對賬單的平台來簡化這個過程,確定文件的真實性,實施準確的工資分類與客戶同意。 The lending platform has so far successfully underwritten ~35,000 customers on its platform using FinBox BankConnect’s advanced bank statement pulling and parsing capabilities. “Bank statements are essential to ensure the borrower’s ability to repay loans. Especially for our customers, most of whom are working in manufacturing and service industries and are new-to-credit without a credit score. The options of fetching bank statements like PDF upload or net-banking are cumbersome, prone to frauds, and potentially unsafe for the customers. Many times it results in incomplete statements without key information like the latest salary credits. FinBox BankConnect, and especially its Account Aggregator functionality, allowed us to pull bank statements through a simple OTP-based method. For the customer it is safe, transparent, and easy to use. For the lender it is cost effective, tamper-proof and complete.” said Rahul Sekar CTO and Co-Founder, MyShubhLife. MyShubhLife is disbursing loans amounting to ~Rs 1 lakh underwritten using FinBox BankConnect. So far, 25% of its users have opted to share their bank statements through the Account Aggregator network. As a result, the platform is experiencing a lower instance of fraud, as evidenced in FinBox’s case study on fraud elimination through the framework. FinBox BankConnect + AA reduces drop offs by ~2x when compared to traditional methods of bank statement sharing. It also reduces the instance of fraud by 45%.