Renter-focused Open Banking Risk-profiling Model Using Big Data and Machine Learning, improving Credit Scores and a 10–20% Reduction in the Poverty Premium

InsureStreet Limited （Canopy）是一家英国金融科技中小企业，其核心团队由Tahir Farooqui、Matt Hobbs、Jon Holloway和Lee Power组成，为租赁行业的风险评估模型带来了革命性的变化。通过扩大基于银行的开放式风险分析模型，Canopy将允许租房者、中介和金融机构公平准确地预测负担能力和风险水平，简化流程，提高最弱势群体的金融稳定性。在第1- 3个月期间，将构建由开放银行数据支持的Canopy专有数据驱动的风险评级模型。在第3个月，beta产品将推出，并立即开始确保受COVID-19影响的租户有更多的租约。这将最终减少无家可归和对福利的依赖。在第3- 9个月期间，测试产品将在项目的剩余时间内进行迭代。在第6个月，租房者将对金融服务部门有更大的了解，因此，可以更好地获得适合预算紧张的金融产品。这将减少私营部门拖欠的租金，减轻社会住房供应的压力。到12月和18月，该项目将实现其主张。其影响将是改善获得住房的机会和减少贫困溢价。

InsureStreet Limited (Canopy), with a core team of Tahir Farooqui, Matt Hobbs, Jon Holloway and Lee Power, is a UK fintech SME revolutionising risk assessment modelling for the rental industry. Through the expansion of an open banking-based risk-profiling model, Canopy will allow renters, letting agents and financial institutions to fairly and accurately predict affordability and risk levels, simplifying the process and increasing financial stability for those most vulnerable.During months 1--3, Canopy's proprietary data-driven risk rating model powered by open banking data will be built. At month 3, the beta product will be launched and immediately start ensuring that there are increased tenancies for renters impacted by COVID-19\. This will ultimately reduce homelessness and welfare dependency. During months 3--9, the beta product will be iterated on during the remainder of the project. At month 6, Renters will achieve greater visibility to the financial services sector and as such, improved access to financial products that fit into stretched budgets. This will lead to lower rent arrears in the private sector and less pressure on social housing supply. By month 12 and 18, the project will have delivered its proposition. The impact will be improved accessibility to housing and a reduction to the poverty premium.