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)是一家由Tahir Faroqui、Matt Hobbs、Jon Holloway和Lee Power组成的核心团队，是一家英国金融科技中小企业，正在为租赁行业建立革命性的风险评估模型。通过扩展开放的基于银行的风险分析模型，Canopy将允许租户、代理商和金融机构公平和准确地预测负担能力和风险水平，简化流程并增强最脆弱者的金融稳定性。在1-3个月内，Canopy将建立以开放银行数据为动力的专有数据驱动的风险评级模型。在第3个月，测试版产品将推出，并立即开始确保受新冠肺炎影响的租户的租约增加。这最终将减少无家可归者和对福利的依赖。在3-9个月，测试版产品将在项目的其余部分迭代。在第6个月，租户将获得更多对金融服务部门的可见度，因此，更容易获得符合紧张预算的金融产品。这将减少私营部门的拖欠租金，并减轻社会住房供应的压力。到第12个月和第18个月，该项目将提交其建议。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.