Data Source Consolidation
Data Source Consolidation
Data Source Consolidation
Data Consolidation
Auto Loan Data
Data Input from Lending Data through Data from Web
Organization Partnership
Customer Name
Crawling
Highway Toll Booth
Primary Address Automatic Vehicle Number Social Media Footprint
Mobile Number Plate (AVNP) recognition Job Site Updated
E-mail data customer information
Date of Birth Urban Traffic Management
Email Link – Location
PAN AVNP Data
tracker / IP Tracker
Aadhar Auto Insurance renewal
Gender sales data Field Agent data
Cibil Score Authorized vehicle service collection from debtors
Employment Address center information neighborhood
Education Status RTO Renewal / Updated Tele-caller data
Employment Status License information
augmentation from
Marital Status Personal Insurance Data customer conversation
Vehicle Type Records
VIN Online Gaming site Family & Friends Digital
Registration Number customer data Footprint
Vehicle Dealership Name IRCTC Booking records
Drivers License New Mobile number
Vehicle Insurance data application / Change
Vehicle Authentication Number request
information
Data Inference
Primary Data from the Lending Institution
Primary data is used by the agents to establish a touch point with the
debtor through email, phone, social media messaging and face to face
interaction
Loan payment history and the debtors delinquent string information is
used as an input to the reinforcement algorithms used to predict
future payment potential
Demographic information is used to enhance cohort analysis and
predict repayment potential of a group of people
Secondary Information
Data consolidated from 3 party for Geo Fencing and identifying
debtors updated location. In some auto loan skip cases data
consolidated from Toll plaza’s and urban traffic management database
will be used to geo fence the debtors location.
Data Inference - 2
Secondary Information for Behavioral Analytics
Secondary information consolidated from auto service stations, auto
loan sales agencies and personal insurance sales agencies will be used
to create qualitative behavioral segments of debtors. The outcome of
such analysis will help predict the future course of action and payment
potential of individual debtors.