Introducing SPCS™ - spocto's Psychography based Credit Scoring

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BRIDGING GIGABYTES TO GIGASMILES

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spocto Confidential | Do Not Forward Without Prior Authorization

ABOUT SPOCTO

Who are we? A Big Data Analytics Company focused on ‘Individual Consumer Data driven Insights’ on mass scale to significantly enhance effectiveness of business and marketing actions. We provide unique tailored solutions to each client as compared to offering a standard package. What makes us unique ? Our proprietary algorithms apply machine learning to multiple digital touch-points of 200+ million individual persona sourced from 47+ data sources, and continually curate them to keep it “LIVE”. Thereon, we use trademarked predictive artificial intelligence to draw insights and provide specific recommendations. These unique capabilities allow us to enrich persona data from public domain with not only demographic, but also behavioral & psychographic information on a hyper-personalized scale.

SPOCTOFYING THE DATA THE NEED | THE SOLUTION | THE PROCESS

INSIGHTS TM


ACTIONABLES PERSONA CURATE ORGANIZE

DATA DEPTH - DEMOGRAPHICS

AGE FAMILY STATUS

GENDER LOCATION NATIONALITY

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DIGITAL TOUCHPOINTS

DATA DEPTH - BEHAVIOR

OTHER TOUCHPOINTS

PREFERRED TIME OF TOUCHPOINTS

EMPLOYEMENT DETAILS

DATA SHARING HABIT

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DATA DEPTH - PSYCHOGRAPHIC ATTITUDE INTEREST OPINION

WORK FAMILY THEMSELVES

HOBBIES FASHION SOCIAL ISSUE

EVENTS COMMUNITY POLITICS

VACATION FOOD & BEVERAGE

EDUCATION

ENTERTAINMENT RECREATION PRODUCTS

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SPOCTOLOGY - 9 CATEGORY SOURCES THE EDGE THAT DEFINES US

DOCS XLS, PDF, CSV, Email, Word, HTML,

Plain Text, XML, JSON etc.

MEDIA Images, Videos, Audios, Flash, Live

Streams, Podcast, etc

DATA STORAGE SQL, NoSQL, Hadoop, Doc

Repository, File Systems, etc

BUSINESS APPS Marketing Automation, CRM, ERP, HR, Google

Docs, Intranets, Portals, Expense Management, etc

PUBLIC WEB Government, Weather, Traffic, Census,

Wikipedia, IMDB, Public Finance Stock, etc

SOCIAL MEDIA Twitter, LinkedIn, Facebook, RSS, YouTube,

Quora, Blogs, Slideshare, Flickr, Instagram, Snapchat etc.

MACHINE LOG DATA Event Logs, Server Data, Applications Logs, Business Process Logs, Mobile Location, Mobile App Usage,

Clickstream Data, Audit Logs, etc

SENSOR DATA Fitness Devices, Car Sensors, Road

Cameras, Satellites, Processors in Vehicles, Video Games, Cable Boxes, etc

PUBLIC ARCHIVES Scanned Documents, Statements,

Forms, Paper Archives, Public Records of Customers,

etc

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MULTI-SOURCE, BIG & SMALL DATA

Multiple-sources of data - may require big data platforms Connection of data sources for holistically understanding attitudes and behaviors phone number Triangulation of multiple data sources to connect story

Actionable insights may be more inferential than exact phone number

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WHY US? Less than 25% of the population has access to credit. Financial Institutions find it difficult to service them due to lack of access and no alternate assessment mechanisms. How do we check the creditworthiness of a person who has no previous credit history? How do we do it? Analyzing digital footprints helps verify not only Demographic parameters, our propriety score evaluates activity,

interests, opinions, personality, values, attitudes, peer ratings, etc. We translate data from non-traditional data sources like their social media profile, browsing patterns, their

psychography, networks, relationships & behavior into insights about the customer Any combination of these attributes can be combined to predict the customer's credit worthiness and his credit

paying abilities through a spocto Psychometric Credit Score This new behavior and psychographic based scoring system enables a new dimension to look into creditworthiness,

creating a larger market for the institutions for bringing the underbanked to mainstream

OUR SOLUTION

1. Approve more customers and grow your portfolio responsibly by accurately assessing risk of new-to-credit and thin file customers.

2. Decrease credit losses through improvements in pre-screen, approval, credit line, pricing and portfolio management decisions.

3. Reduce fraud rates by automatically clearing your legitimate customers and by focusing on high risk applicants.

4. Grow your customer base by suggesting new potential customers by creating clusters of the profiles seeking loan from the bank.

SPOCTO’S PSYCHOGRAPHY BASED CREDIT SCORING

The preceding is intended to outline our general product direction. It is intended for information purpose only, and may not be incorporated into any contract. It is not a commitment to deliver any material, code, or functionality, and should not be relied upon in making purchasing decisions. The development, release, and timing of any features or functionality described for spocto’s products remains at the sole discretion of spocto.

WE TAKE DATA PRIVACY VERY SERIOUSLY

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TERMS & CONDITIONS Document assumptions The information given in this proposal has been checked for accuracy and completeness. However spocto Solutions shall not be liable for any errors or omission. This document does not form a contract or offer to contract, even though it may be used as the basis for contractual agreement. The proposal is issued to Bank for the implementation of spocto Services. Limitations spocto LLP reserves the right to vary the contents of this proposal based on further information and clarification regarding the scope of work, and will provide Bank with written notification of any such variations. The prices for Services are given under the assumption that the general terms and conditions of spocto’s standard agreement apply. All products or company names are used for identification purposes only, and maybe trademarks of their respective owners. Throughout this proposal response, the term “solution” refers to and is interchangeable with “approach” or “system”. Solution is not intended to contractually bind spocto Solutions to “solve” any issues or problems. It is intended to express the concept that an approach to the project has been well thought out and is the result of the use of our products, methods and experience. spocto shall not be obligated in any way with respect to this RFP, to provide any product or services except as set forth in a final written executed agreement. Segmentation Your purchase of product licenses does not require you to award any consulting services to spocto Solutions . Confidentiality The material contained in this proposal represents propriety, confidential information pertaining to spocto products and methods. By accepting this proposal, The Times Of India hereby agree that the information in this proposal shall not be disclosed outside of <<Customer Legal Entity Name>> and shall not be duplicated, used, or disclosed for any purpose other than to evaluate this proposal internally. Neither this document nor its content may be copied or distributed outside <<Customer Legal Entity Name>> without the prior written consent of spocto Solutions . Validity This proposal and its terms and conditions are valid for 30 days from the date of issue

THANK YOU! [email protected]

WWW.SPOCTO.COM

Bridging Gigabytes

To Gigasmiles......

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mailto:[email protected]

http://WWW.SPOCTO.COM/