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The Evolution ofCredit Bureaus
Darryll Robinson
Manager: Fraud and Identity Solutions
@DarryllRobinson
Darryll Robinson
A quick introduction – me
A quick introduction – me
• Darryll Robinson– Joburg in South Africa– Post grad in Biochemistry– First time to Zimbabwe
A quick introduction – me
• Darryll Robinson
• Manager: Fraud and Identity Solutions
A quick introduction – me
• Darryll Robinson
• Manager: Fraud and Identity Solutions
• Products, design, client relationships, strategy, marketing, sales, and, and, and…
A quick introduction – company
A quick introduction – company
• XDS South Africa– Just celebrated our 15th birthday
• XDS Group– XDS Credit Bureau (Nigeria)– XDSData (Ghana)– XDS Zimbabwe
A quick introduction – company
• XDS South Africa
• 120 staff in Johannesburg, Cape Town and Durban
A quick introduction – company
• XDS South Africa
• 120 staff in Johannesburg, Cape Town and Durban
• 21 million consumers holding 73 million active accounts
What is a credit bureau?
What we are not
What we are not
• Blacklisters
What we are not
• Blacklisters
• Handbrake to the economy
What we are not
• Blacklisters
• Handbrake to the economy
• Recruitment preventers
What we are
What we are
• Data
What we are
• Data
• Risk analysers
What we are
• Data
• Risk analysers
• Economy barometer41.5
14.3
32.4
11.8
Credit status
Current 1 - 2 MIA3 - 4 MIA Judgement, default
Different levels of data
Full sharing
Negative
Public
Different levels of data
Full sharing
Negative
Public
Different levels of data
Full sharing
Negative
Public
How can we help?
• Credit risk
How can we help?
• Credit risk
• Identity Management
How can we help?
• Credit risk
• Identity Management
• Recruitment
Recap
• Credit bureaus provide value from data
• The more data that is shared, the better
• There are many areas we can assist
• The possibilities are endless
Questions
