Customer acquisition is to help clients make accept or reject decisions and decide the appropriate credit limit or interest rate in loan or card by evaluating a consumer’s risk level and the ability to pay.
Customer management is to assist clients to decide whether an existing customer’s maturity should be extended or not, and recalculate a credit limit or interest rate through risk assessment.
Collections are for supporting clients in managing delinquent customers through debt (customer) evaluation.
KCB has been completing client projects successfully, utilizing its proven model development methodologies and top talents.
Credit data collected, processed and provided in the form of a report
|Personal Credit Report||A comprehensive credit report which includes information on loans, credit cards, and delinquency to understand a consumer’s creditworthiness|
|SOHO Credit Report||A comprehensive credit report which includes information on loans and delinquency to understand a micro-business owner’s creditworthiness|
|Transaction Alarm||Changes which impact a consumer’s credit status are notified daily|
Services that help measure the risk of credit default
|k-score||Service that provides a rating of each individual’s credit risk level|
|Subprime Score||Service that provides a rating by segmenting customers who use high-interest credit loan products into the possibility of delinquency|
|Multiple Debt Risk Index||Service that provides a rating of the potential risk of multiple debtors|
Linked Loan Score
|Service that provides a rating of the credit risk level of consumers using non-face-to-face platforms|
|MyData Score||Service that provides a rating of the credit risk level using a variety of information collected with customer consent|
|Self Cure Score||Service that provides a rating of the likelihood that overdue customers will repay within 30 days|
|SOHO Score||Service that provides a rating of the probability that a small business owner is overdue for more than 90 days in the next 1 year|
|SOHO Watch Index||Service to identify small business owners with a high potential risk in the future|
Services that improve customer relationships by increasing customer values
|Income Estimation||Service that provides annual income and income based on asset size|
|K-DSR||Service that estimates the customer’s actual debt repayment burden|
|Asset Evaluation Index||Service that estimates the size of real estate assets and provides them in the form of index|
Opening Availability Index
|Service that estimates the possibility of opening loans for consumers using non-face-to-face platforms|
|SOHO Annual Sales
|Service that provides estimated annual sales of small business owners based on alternative information|
Services to help detect fraudulent transactions in advance
|R-Score||Service that provides a rating of the possibility of personal rehabilitation application within the next 12 months|
|SAFE-A||Service that provide a rating of fraudulent risk of loan and card application|