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Bigdeal in risk control world: FICO and Wise Technologies form joint venture
2020-11-24 18:54
Recently, FICO, thegiant credit decision scoring company in the United States, announced that itwill set up a joint venture with China's leading AI financial company, WizhiTechnology: FEI Zizhi Information Technology (Beijing) Co., Ltd.
According to FICOofficials, this will be the main way FICO conducts and conducts new business inChina.
According to areport by Xinliu Finance, one of the main services it provides to the outsideworld is FICO big data scoring, which is its core competitiveness in theindustry. Even in July this year, there was news of plans to go public.
On the one hand, inChina, Wise has an exclusive cooperation with FICO big data scoring business.If domestic financial institutions want to cooperate with FICO scoringbusiness, they need to use Wise Technology. In China, Wise Technologyintegrates a large amount of data resources including many behavioralcharacteristics of individuals, and FICO provides technical support and creditendorsement for it.
The establishment ofthe joint venture is a win-win business for both sides.
For WiseTechnologies, it will further strengthen its core competitiveness, while forFICO, it will help it gain a foothold in the Chinese market.
Recently, Experian,an international credit investigation giant that has been in China for 15years, shocked the entire credit investigation industry by abruptly withdrawingfrom the mainland market without any warning.
Industry insidersanalyze that Experian's withdrawal is due to the lack of revenue growth on theone hand and the impact of various laws, policies and regulations, making itdifficult for its core business of personal credit investigation to be carriedout in China.
This incident alsopositively leads to a question that people in the industry often think about:whether today's foreign credit technology companies in China can achievelong-term development in the Chinese financial market?
Perhaps thecombination of FICO and Wise will set an excellent example for the industry.
Company info： Wise Technologies
Wise Technologyfocus on science and technology, features not trading in credit business ordata, by means of large data, cloud computing and artificial intelligence,integration of industry chain of middle and lower reaches of demand, ability,and resources, by providing the core insight to break the financial informationasymmetric, build links the financial needs of hundreds of millions ofconsumers and heavy financial institutions credit supply intelligent technologyhub.
At present, thecompany has built a complete, clear and solid industrial chain in the field ofbig data insight and artificial intelligence, with unique advantages and corecompetitiveness. From the upstream perspective, it has deeply integrateddomestic authoritative data resources and established a multi-dimensional,three-dimensional, compliant and stable data alliance. From the middle reaches,the core team with rich professional experience, leading technology advantages,outstanding research and development ability, in the field of consumer financeshows powerful cloud modeling, calculation, analysis, operation and so oncredit risk control and passenger capacity, and with the world famous FICOcompany in the field of big data algorithm and artificial intelligencetechnology research and development has formed deep strategic cooperation; Fromthe downstream perspective, we have provided a variety of solutions for manyfinancial institutions, including China's top large and medium-sized banks,regional banks, consumer finance companies, etc., with broad applicationscenarios and bright growth prospects.
In the future, WiseTechnology will continue to rely on big data insight and artificialintelligence technology, committed to breaking the asymmetry of financial informationto achieve unprecedented breadth and depth, promote the precise connectionbetween the supply and demand of financial services, and make its duecontribution to the prosperity and universality of China's financial industry.
睿智科技专注于科技赋能，以不涉足信贷业务或数据交易为特色，运用大数据、云计算和人工智能手段，整合产业链的上中下游需求、能力及资源，通过提供核心洞察力打破金融信息非对称，构建连接亿万消费者的金融需求与千百家金融机构信贷供给的智能科技枢纽。
目前，睿智科技已在大数据洞察力及人工智能领域打造了一条完整、清晰、坚实的产业链，具备独特的优势与核心竞争力：从上游看，深度整合了国内权威数据资源，建立了多维、立体、合规、稳定的数据联盟；从中游看，核心团队凭借丰富的专业经验、领先的技术优势、突出的研发能力，在消费金融领域展示了强大的云端建模、运算、分析、运营等信贷风控和获客能力，并与全球著名的FICO公司在大数据算法及人工智能技术研发领域形成了深度战略合作；从下游看，已经为包括中国排名前列的大中型银行、区域性银行、消费金融公司等在内的诸多金融机构提供多种解决方案，应用场景广阔，增长前景光明。
未来，睿智科技将继续依托大数据洞察力和人工智能技术，致力于在打破金融信息非对称方面达到空前的广度和深度，促进金融服务供需双方精准连接，为推动中国金融事业的繁荣与普惠做出自己应有的贡献。
Products & service：
Wise Technologyprovides key support tools and customized strategies for banks, licensedconsumer finance companies, small loans and Internet financial institutionsthrough the big data cloud platform.
1- Through its own platform and partnerplatform to provide financial institutions with diversified, through theinitial screening of risk, accuratematching of customer flow.
Docking platform for business travel, take-out, travel,payment flow, service life scene and bank, licensed and diversified financialinstitutions, such as gold and small loans through the crystal ball riskmanagement system, realize customer accurate risk stratification matching,matching assets and capital demand, will eventually users precise matching tothe financial institutions, to provide users with PuHuiShen borrow newexperience, Help traffic platform to maximize the value of traffic, and helpfinancial institutions to achieve rapid business growth.
2- High risk groups can be identifiedthrough customer creditscore and customer warning level, which can be used to predict the levelof fraud risk and provide risk warning for the whole process before, during andafter the loan.
3- The strategy services of Wise Technology includerevenue model, repayment ability model and full life cycle strategy. Useborrower information provided by financial institutions to help them developcredit strategies and optimize collection operation capabilities; By developingintelligent models and strategies that can be flexibly deployed in a smartdecision engine in the cloud, real-time business decision support can beachieved across the entire credit life cycle. At the same time, our businessexperts can provide continuous strategy monitoring and optimization.
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