Blog

The modern world has moved online since years, having extended and in some spheres even completely taken the place of the offline reality. We can now see an interesting line of thinking in some contemporaries’ discourse — if you cannot find any information about something on the Web, for most people it will mean this […]

“Dear kid, this is Santa Claus writing. This year I cannot send you the presents because you haven’t signed the consent to personal data processing!” In July 2019, we had the honour to speak at the International Financial Congress at the consumer fraud and anti-fraud techniques section. The high level of the event and its […]

Previously, we have been covering mostly the banking peculiarities of a financial business and its regulations. Since beginning of July such changes have come into force directly concerning microfinance market and changing the operating conditions of the microlenders. As a partner of several market players on this field, we wish to share our vision and […]

We are glad to introduce our new big API update launch. We have focused as usual on raising impersonal data informational value for better decision-making. We have significantly raised the service value using new data, new device authentication technologies and more powerful fraud prevention score. Today we are going to tell you about the most […]

Last year Russia showed unprecedented speed of credit obligations growth. The total outstanding balance for all types of loans reached 14.9 trillion rubles. The speed of lending growth is still high which leads to new challenges for risk management. Debt refinance and consolidation programs offered by financial institutions and regulator’s actions aimed to control the […]

We’ve been telling enough about the advantages of alternative data and risks associated with collecting conventional data on your borrowers. Today we will demonstrate how personal data usage can not only turn into risk and damage for the financial institution’s working process but also spell disaster for the whole business. We will draw on several […]

How long have you not been online today? Since 2007, humanity stood on the path of Internet addiction.The famous “We have reinvented the phone” sounded 12 years ago on the presentation of the first iPhone. That phrase marked the beginning of a new era. The attitude towards information as well as the entire service industry […]

At the end of October, we had the honor to speak at the Finovate Asia 2018 conference! Like a few months earlier, we continue to demonstrate the efficiency of non-personal data, telling about the successful resolving of client authentication and risk reduction tasks through device and user network behaviour analysis. However, this time we tried […]

In February, we published an article about how the psychotype affects credit service users financial behavior. In addition to that, in June, we launched a laboratory for the evaluation of non-personal data — psychotype.online . Today we turn back again to the topic of the psychotype influence on the borrower’s credit behavior and income assessment. […]

A little over a year ago, we were raising the topic of online client identification. Today we are going to further discuss problems and present you our new technological solution, developed over the past time. Within the last five years, the identification of client’s personality has become not only a mandatory regulatory requirement for financial […]

In May 18 we presented a new version of API v10, where more than 200 predictors and improved score model are now available to our clients. Com-paring to the previous v9 release more than 30 completely new predictors were added. One of the most important add-ons was the launch of new index variables, specially developed […]

  In our article about banks and financial companies development strategy we touched the subject of business growth speed and innovation adoption speed. Today we will continue this conversation and consider from a different angle: we will discuss the differences between banks and fintech companies in terms of operational management, and also how this affects […]

We are happy to introduce our anniversary release of JuicyScore – v.10. We have significantly expanded functionality and set of predictors. 15+ new significant predictors, such as: Device quality and cost evaluation; Device active usage time performed by the current user; Internet connection quality index; Device structure anomaly index; User online behaviour and Internet resources […]

Currently, an active reassessment is under way regarding the use of personal data in the number of regions worldwide. The new GDPR will enter into force in the EU, and this is likely to be only the beginning. We may expect new regulations on personal data – PSD3 and GDPR2 data in the next 3–5 […]

We continue our series of articles about the meaningfulness of data describing the behavior of users on the Internet. In this article, we announce the launch of a global research project dedicated to studying users’ behavior, psychological types, and credit risks. The results of many recent studies have revealed that a person’s psychological type has […]