Cashcall Open Finance platform is a data-driven enabler of access to non-banking financial services for the underserved and unbanked marginalized community.
Fully automated banking
The platform enables fully automated access to Micro Finance, Consumer Lending, saving products, and Micro Insurance through a full suite of state of the art functionalities:
- Onboarding / KYC &Alternative Profiling
- Automated underwriting system
- Income Imputation models
- Loan Disbursement
- Data-driven Alternative Credit Scoring
- Collection & Feedback loop
- Data-driven Risk modeling
Building an interconnected data-first financial ecosystem, where unbanked people can confidently use financial services for the first time
New alternative sources of non-bank financial information can help financial innovators get a wider view of the population’s real financial activity and needs. One that actually describes their daily transactions, even if they don’t take place in a bank.
Aggregated and enriched data can be injected into new disruptive scoring models that go beyond traditional credit scoring.
Predictive models help in assessing a customer’s ability and willingness to pay back a loan.
The feedback loops linked to those models will improve accuracy over time, continually enrich every profile and refine the scoring models.