Data Source Consolidation

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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.

 Secondary Information for Location analysis


 All digital touch points with an individual debtor are embedded with
threads to track both mobile as well as desktop IP addresses. The IP
address location can be used to identify real time location of debtors
who stand a high risk of skipping their payments.

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