Enhanced AI-driven risk-engine for world’s first open-banking credit-builder debit card

增强型人工智能驱动的风险引擎，用于全球首张开放银行信用建设借记卡

• 批准号: 10097739
• 金额: $ 25.48万
• 依托单位: CURRENSEA LIMITED
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2024
• 资助国家: 英国
• 起止时间: 2024 至 无数据
• 项目状态: 未结题
• 来源: https://gtr.ukri.org/projects?ref=10097739
• 关键词: Enhanced; AI; driven; risk; engine

BuildMyCreditScore is the debit card that works with your bank to build your credit score through everyday spending, the world's first to combine Open Banking & ultra-short-term credit (24-48 hours) for credit building.We've leveraged Open Banking technology to enable a seamless connection between our debit card and existing current accounts, offering a hassle-free solution which will revolutionise the credit-building marketplace by transforming those seemingly insignificant purchases into significant credit score boosts.Subscribers just sign-up and use our card for small daily purchases, and BuildMyCreditScore handles the rest: we process payments a few days later using direct debit, and each month we report purchases and payments to credit agencies to build your credit.To launch BuildMyCreditScore, we've developed a new, proprietary risk-engine, which captures a range of data from customers during sign-up, including transactions from open banking links, to assess their eligibility for ultra-short term debt. No one has ever built a model for establishing creditworthiness in this way, and we've now confirmed the feasibility of such a tool.The primary output of this next phase is to establish if we can replace our risk engine, Proteus, by taking it to the next level of AI-driven sophistication. Only then will we have a viable product we can offer nationwide, ensuring BuildMyCreditScore is available to those it will benefit most: financially-challenged or excluded individuals and communities.The potential of this innovation cannot be overstated: a poor credit score could lead to borrowers paying an extra £2,319 in interest charges on a £3,000 personal loan over 3 years (MoneyComms.co.uk, 2022). Improving this to even a fair score could result in saving £1,253\.The impact on a personal level for some of society's poorest, particularly during this cost of living crisis, is self-evident, and on a macro-level the cost of servicing unsecured debts taken out to cover rent, utilities and food bills has been estimated at £3.9 billion per annum (Joseph Rowntree Foundation, 2023).

BuildMyCreditScore是一种借记卡，与您的银行合作，通过日常支出建立您的信用评分，这是世界上第一张将开放银行和超短期信贷联合收割机结合起来的借记卡。（24-48小时）进行信用建设。我们利用开放式银行技术实现借记卡与现有活期账户之间的无缝连接，提供一个轻松的解决方案，通过将那些看似微不足道的购买转变为显著的信用评分提升，将彻底改变信用建设市场。订阅者只需注册并使用我们的卡进行日常小额购买，BuildMyCreditScore处理其余部分：我们使用直接借记在几天后处理付款，每个月我们向信用机构报告购买和付款情况，以建立您的信用。为了推出BuildMyCreditScore，我们开发了一个新的专有风险引擎，它可以在注册过程中捕获客户的一系列数据，包括来自开放银行链接的交易，以评估他们是否有资格获得超短期债务。没有人以这种方式建立一个模型来建立信誉，我们现在已经证实了这种工具的可行性。下一阶段的主要成果是确定我们是否可以取代我们的风险引擎Proteus，将其提升到人工智能驱动的复杂程度。只有这样，我们才能在全国范围内提供一个可行的产品，确保BuildMyCreditScore适用于最受益的人：财务困难或被排斥的个人和社区。这种创新的潜力不能被夸大：信用评分不佳可能导致借款人在3年内为3，000英镑的个人贷款支付额外的2，319英镑利息费用（MoneyComms.co.uk，2022）。提高这一点，即使是一个公平的分数可能会导致节省£ 1，253\.对社会的一些最贫穷的个人层面的影响，特别是在这个生活成本危机，是不言而喻的，在宏观层面上，用于支付租金，水电费和食品账单的无担保债务的还本付息成本估计为每年39亿英镑（约瑟夫朗特里基金会，2023）。