Company

Fully automated business process

In Tamga services, all business processes are fully automated: customer’s solvency assessment, selection of the creditor with the most favorable terms, notification system for borrowers, processing - these and other actions are performed by the system within seconds, and absence of human factor makes it possible to exclude errors when lending. Such approach will be duly appreciated by the customers who want to get money in the shortest possible time.

In Tamga services, all business processes are fully automated: customer’s solvency assessment, selection of the creditor with the most favorable terms, notification system for borrowers, processing - these and other actions are performed by the system within seconds, and absence of human factor makes it possible to exclude errors when lending.

Such approach will be duly appreciated by the customers who want to get money in the shortest possible time.

  • Filing an application
    100% online. No paper
    documents are required.
  • Scoring
    Automatic solvency
    assessment of the customers
    on the basis of data
    received with the help 
    of Big Data technology.
  • Selection of the creditor
    Analysis of all loan 
    products of partner companies,
    sending scoring results 
    to the creditor with 
    the most optimal conditions.
  • Customer retention
    We build only long-term 
    relationship with our clients.
  • Processing
    Instant payments.
     
  • Notification of the customers
    Automatic CRM-system, sending 
    notices to the borrowers 
    at each stage of the completion 
    of a loan. Individual personal 
    cabinet for each customer.

Artificial intelligence, Machine learning and Big Data

 Tamga scoring system is our in-house development. It brings process of clients’ solvency assessment to a totally new level that is inaccessible to conventional banks. In addition to credit history, Tamga scoring system assesses the customers by thousands of different parameters. Data for assessment are taken from social networks, telecoms, marketing channels and other open sources. Owing to big data technology, the system processes these huge amounts of data within seconds. And machine learning technology allows the scoring system to constantly improve and increase accuracy of the customers’ assessment.

Tamga scoring system is our in-house development. It brings process of clients’ solvency assessment to a totally new level that is inaccessible to conventional banks.

In addition to credit history, Tamga scoring system assesses the customers by thousands of different parameters. Data for assessment are taken from social networks, telecoms, marketing channels and other open sources. Owing to big data technology, the system processes these huge amounts of data within seconds.

And machine learning technology allows the scoring system to constantly improve and increase accuracy of the customers’ assessment.

  • Data acquisition from 
    social networks, telecoms 
    and other open source

  • Information processing with 
    Big Data technology approach

  •     Data classification

  • Data aggregation

Comprehensive approach to risk management

Absence of comprehensive approach to risk management is a big problem for many loan companies. Often they do not even have special employees which could be involved in risk control, and third-party services are used for application scoring.

In Tamga, risk management is handled by a separate department. Its employees use a unique platform developed in-house. It operates several thousand parameters, depending on the customer’s data, depending on the type of borrower and availability of data about it in various open sources.

From the entire data set, using tools of Machine learning, the system chooses the most powerful factors affecting the scoring process. In our decision engine multiple scoring models are used, that allows us to differentiate unprofitable and profitable customers.

  • Multiple parameters

  • Automatic selection 

    of the strongest factors
  • Machine Learning

Internal Fraud Prevention Service

Tamga has developed own solution for online tracking of frauds and disreputable customers, analyzing information about borrowers in real time.

Within the decision-making process, the system analyzes IP, behavioral factors, customer geolocation, device tracking, searches for matches among other borrowers, validates addresses and data. This provides possibility to automate completely the borrowers scoring process.

Mobile banking. Loan in one touch

Mobile banking is a new era in the financial services evolution. According to Forbes, 43% of mobile device owners already have installed applications of loan companies.

In 5 years, banks and other platforms of the company will be perceived by customers only as programs in smartphones. Tamga develops mobile applications for its projects in different countries. With their help, borrowers can get a loan with one tap in smartphone.

Own affiliate program, online traffic tracking

Tamga has created an affiliate program through which the projects can work directly with webmasters and CPA-networks. This gives us an opportunity to offer more favorable terms to traffic providers, in comparison with CPA networks.

Tamga affiliate program has a number of advantages comparing with similar IT products of the competitors:
- 24 hour support services for content providers
- possibility of tracking the traffic in real-time mode.

  • Join 
    affiliate program
  • Provide traffic and clients
  • Receive remuneration