Data acquisition from
social networks, telecoms
and other open source
Information processing with
Big Data technology approach
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.
Automatic selectionof the strongest factors
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 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.
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.