(1) Background description
In order to improve the accessibility of financial resources for foreign aid program counselors to expand their business scale and program effectiveness, innovative financial technology (FinTech) methods will be used to introduce "Alternative Credit Data" (ACD) and "Credit Score Model" to assist counselors to establish digital credit records, and to establish personal "Alternative Credit Scores" by analyzing counselors' mobile phone usage data. The financial technicians of CCICED's overseas technical team will contact the local area. Financial institutions use this score as one of the loan credit evaluation materials to increase the chance of counseling customers to obtain loans.
(2) App description
Digital credit reporting is an application of innovative finance. The core technology is to collect the usage data of users' mobile devices or mobile phones, and use big data analysis technology to analyze their usage behavior to establish a credit rating model, and then capture their credit profile and repayment ability. Supplementary basis for credit granting and lending by financial institutions. The basic principle of the digital credit scoring mechanism is to compare the user's behavior with the big data database to find out groups with similar characteristics to the user, and estimate the user's credit score based on the group's credit and default rate.
In order to improve the accessibility of financial resources for foreign aid program counselors to expand their business scale and program effectiveness, innovative financial technology (FinTech) methods will be used to introduce "Alternative Credit Data" (ACD) and "Credit Score Model" to assist counselors to establish digital credit records, and to establish personal "Alternative Credit Scores" by analyzing counselors' mobile phone usage data. The financial technicians of CCICED's overseas technical team will contact the local area. Financial institutions use this score as one of the loan credit evaluation materials to increase the chance of counseling customers to obtain loans.
(2) App description
Digital credit reporting is an application of innovative finance. The core technology is to collect the usage data of users' mobile devices or mobile phones, and use big data analysis technology to analyze their usage behavior to establish a credit rating model, and then capture their credit profile and repayment ability. Supplementary basis for credit granting and lending by financial institutions. The basic principle of the digital credit scoring mechanism is to compare the user's behavior with the big data database to find out groups with similar characteristics to the user, and estimate the user's credit score based on the group's credit and default rate.
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