Énergie et services publics

Registres de crédit

CRIF is a leader in the provision, management, and operation of credit bureaus worldwide. CRIF’s unique mix of a state of the art technological platform, fully customizable local components, and wide availability of value added solutions has ensured successful installation and continued growth of our bureau solutions in 22 countries since the 1990s.  As an expert operator of credit bureaus in four continents, CRIF has been able to support many greenfield markets in transitioning from start-up to regional leaders, whether through consulting, participation at the board level, or direct ownership. CRIF’s bureau platform includes specific sections for Telco, Utilities, Services and Media

Crif Credit Bureau Solution (C2BS)

C2BS is a state of the art solution for Credit Bureaus. Fully functioning out of the box, yet deeply customizable according to the needs of each client, and fully scalable, it represents a complete solution for the credit bureau needs, whether as a “pocket bureau” for a single institution, as a “vertical bureau” for a specific sector, or as a full service, cross-sectoral credit bureau solution. The solution’s flexibility allows customizations and price sensitivity to work for small countries in developing economies, as well as for the largest countries in advanced economies.

CRIF’s bureau platform includes specific sections for Telco, Utilities, Services and Media. Our unparalleled flexible management of reciprocity rules ensures that bureaus that include data from Banks, Financial Institutions, Microfinance, Telcos, Utilities, Service Providers, and Media can find the correct balance between level of data contributed and retrieved by each type of participating institution.

C2BS is sold both as a solution installed in house at our client’s selected datacenter, or As-A-Service in a cloud environment hosted at CRIF’s own high security and high availability datacenter.

“Glocal” Credit Bureau Score

A credit bureau score is a statistical indicator of the likelihood a customer will default over the next year on a payment, given that customer’s historical behavior as evidenced by the credit bureau data. Credit Bureau Scores are invaluable tools to improve the analytical powers of credit risk managers, and implement automated decision policies.

Scores can be either “expert” or “customized”. The GLocal Credit Bureau Score is an expert score that comes integrated in the C2BS. It is useful as a “start-up” score in situation where no reliable historical data is available. The model was developed using data of different countries in which CRIF has Credit Bureau customers. In the period afert implementation of a new credit bureau solution (3 to 18 months) as data is processed and stored by the bureau, it is possible to perform a validation which consists in testing the “GLocal” score forecasting capability and, if necessary, re-estimating it in order to fine-tune the scorecards weights.

The GLocal score includes specific decision rules related to Telco, Utilities, Service and media credit facilities.

Customized Credit Bureau Score

A credit bureau score is a statistical indicator of the likelihood a customer will default over the next year on a payment, given that customer’s historical behavior as evidenced by the credit bureau data. Credit Bureau Scores are invaluable tools to improve the analytical powers of credit risk managers, and implement automated decision policies.

Scores can be either “expert” or “customized”.

CRIF has an extensive experience in creating customized scores on top of our bureaus. The Perform customized score allows a full rank ordering of any client’s portfolio according to the probability of default of their clients. With customized score cards by product and subject type, the perform score is used by CRIF clients to segment their clients leading to faster and more accurate decisions at all stages of the loan cycle. We have successfully implemented globally scores that combine “traditional” data such as bank loan repayments with “non-traditional” data such as telco bill payments and card top-ups, as well as industry specific scores (telco scores, water utility payment scores, etc.)

CRIF Gateway

In today’s world, the challenge is no longer data unavailability, but rather accessing the multiple data sources that are out there, in the right logical sequence, and being able to compile and analyze the result. That is where CRIF Gateway comes in. A fully customizable connectivity tool that allows our clients to access multiple data sources based on logical flows, compiling, analyzing, and caching the resulting data for re-use.

The possibility to be installed in house at our client’s location, or on the CRIF secure cloud makes CRIF Gateway a very flexible solution.

Whether you are a large financial institution with multiple branches and want to reduce costs by preventing multiple enquiries on the same subject by different branches in the same day across multiple bureaus, or a small financial institution looking for a simple loan application and or decision tool offered as-a-service on a per click basis, CRIF Gateway is the right tool for you.

Contact us to see case studies on how Post-Pay service providers can use CRIF Gateway to fully leverage CRIF bureau and the Telco’s own internal data to automatize decisions on post-pay contracts.