ALTERNATIVE FINANCE PEER-TO-PEER LENDING. Helping you to understand both borrowers and lenders

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1 PEER-TO-PEER LENDING Helping you to understand both borrowers and lenders

2 WHEN YOU TRULY UNDERSTAND YOUR EXISTING CUSTOMERS, WE CAN HELP YOU FIND MORE OF THEM THE INSIGHT YOU NEED TO GROW YOUR BUSINESS The first step to recruiting new customers, is to fully understand the ones you have. Using your existing customer data in conjunction with our vast datasets of over 48 million consumers, we will identify key characteristics of your existing borrowers and lenders, providing you with a comprehensive profile of what they look like. We can run analysis of your customers looking at factors such as age, income, hobbies, education, employment status, attitudes and interests. We can further segment this based on existing customer attributes such as size of loan, term, rate etc. IMPLEMENTATION OF RELEVANT AND TAILORED COMMUNICATIONS WILL SAVE YOU TIME AND MONEY Recruiting new customers By building profiles of your existing borrowers and lenders we can then use this to segment our database of 48 million consumers. We can provide you with access to look-a-like prospects that share the same characteristics and are more likely to be interested in the same offers. Delivering effective and personal communications As part of our customer insights we capture attitudes and responsiveness towards different marketing communication channels including direct mail, and digital. We can group together people that behave in similar ways, have similar wants and needs and will therefore respond to offers in a similar way. By following this approach we can achieve a cost effective campaign ROI allowing you to develop an ongoing profitable direct marketing strategy. OUR DATA HAS PROVED TO BE THE MOST PREDICTIVE AVAILABLE ACROSS THE ALTERNATIVE FINANCE MARKET HOW OUR DATA CAN HELP YOU Callcredit have more sub-prime data than the other UK CRAs, together with huge quantities of positive data concerning up-to-date financial records, which is crucial in determining the risk associated with your applicants. This combination of Short-Term Lending data and more traditional lending performance information is essential in enabling us to provide the most predictive data and insight available for assessing new lending requests. WE HAVE OVER 120 CLIENTS IN THE ALTERNATIVE FINANCE SECTOR WHO WE HELP WITH: Affordability assessment Fast and automated decision making ID verification Payment, card and bank verification Compliance and regulatory advice Reducing the risk of fraud Reducing default rates Consultancy and analytics

3 VERIFY BORROWERS AND LENDERS QUICKLY AND REDUCE THE RISK OF FRAUD We understand the need for fast customer verification which is why we provide a typical response time of less than 0.5 seconds. We can help you verify your applicant quickly and pin-point any fraudulent applications in an instant. WE CAN HELP YOU IDENTIFY NON-CONSENTED BANK ACCOUNTS, PROTECTING YOU FROM FRAUDULENT APPLICATIONS Our solutions have in-built Anti-Money Laundering checks so that you can ensure all incoming funds are from a fully verified source. We can work with you to help reduce fraud losses, reduce false positives, improve pass rates and improve the customer experience for legitimate customers. Our fraud and identity tools enable you to: Comply with Anti-Money Laundering regulations and be confident you meet the industry regulations Validate the identity of a customer at application Verify payment details, we can link card and bank account details directly to an individual so that you know exactly who you are dealing with INCOME VERIFICATION AND AFFORDABILITY ASSESSMENT FOR RESPONSIBLE LENDING DECISIONS Callcredit promote responsible lending and we can help your business do the same with our market-leading service to verify your applicant s income is as stated at the point of application, without the need for documentation or manual intervention. We can confirm the applicant s income is as stated at point of application, giving you the confidence that your applicant can meet the necessary repayments. Our data has proved to be highly predictive at being able to determine whether an applicant is likely to meet their repayments. Insight into affordability is an invaluable tool in helping to evidence a responsible approach to lending decisions. REDUCE THE RISK OF DEFAULT USING ACCURATE AFFORDABILITY ASSESSMENT

4 FIRST CLASS TECHNOLOGY We know that speed of response is crucial to your business which is why we re committed to providing the most up-to-date solutions for your needs. REVERSE BANK MATCHING IF A CARD DOES NOT BELONG TO THE APPLICANT, WE CAN TELL YOU THE NAME OF THE PERSON THE CARD DOES BELONG TO Our innovative matching algorithms help ensure that we are able to match more applicants to our databases with the greatest levels of confidence in the market. Our ability to search undeclared address links uncovers a huge amount of significant data, both derogatory and positive, to help make more accurate credit risk decisions. Our data is simple to link to and integrate into your decision systems via an API. Our technology has been specially designed with web channels in mind, and is a fully documented XML web service. EXPERT CONSULTANCY At Callcredit we pride ourselves in understanding the Alternative Finance market and being able to create innovative solutions to the challenges you face. We have a dedicated team of consultants and analysts who can provide support for your business from the very beginning right through to client management and support. Our consultants are experts in this field and can review your current processes and existing scorecards to ensure you are accepting more applicants whilst protecting you from fraud and cutting default rates. ASK OUR CONSULTANTS ABOUT: PRODUCT IMPLEMENTATION SUPPORT AND WORKSHOPS POST-DECLINE ANALYSIS CUSTOMER AND SCORECARD ANALYSIS INDUSTRY INSIGHT REPORTING

5 7 REDUCE YOUR CUSTOMER ACQUISITION COSTS USING EFFECTIVE AND CONCISE TARGETING

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