CreditMatch: Innovative Market Place for Point of Sale Finance - Driving Competition in Retail Banking

CreditMatch：销售点金融的创新市场 - 推动零售银行业务的竞争

• 批准号: 720800
• 金额: $ 27.58万
• 依托单位: DIVIDO FINANCIAL SERVICES LTD
• 依托单位国家: 英国
• 项目类别: GRD Development of Prototype
• 财政年份: 2016
• 资助国家: 英国
• 起止时间: 2016 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=720800
• 关键词: CreditMatch; Innovative; Market; Place; Point

PROBLEM: A customer walks down the average high street and sees that most largetraditional retailers will offer some type of instalment finance as a payment option. That samecustomer is later that day browsing online stores and struggles to find a single retailer that isoffering the flexibility to pay in instalments.One high street example is DFS which works with one finance provider called HitachiCapital. A customer that want finance has to fill in a finance application form that is sent offto Hitachi Capital. If Hitachi Capital declines the customer’s request for finance, the customerwon’t be able to buy the sofa on finance. This means the customer is unhappy because theydidn’t get their sofa, DFS is unhappy because they didn’t make a sale and Hitachi Capital isunhappy because they couldn’t arrange finance. This a loose-loose-loose scenario which isplayed out hundreds of times a day, every day, in retail stores across the country.SOLUTION: Divido Financial Services Limited is seeking to develop CreditMatch, an onlineB2B market place for retailers who wish to offer customers simple & quick to use POSfinance (pay by instalments over 6-60 months with 0% interest). Advantages:- INNOVATIVE REAL TIME BIDDING MARKETPLACE: publishes lenders rates online(like on MoneySupermarket/ CompareTheMarket) thus increasing transparency &competition and ultimately drive down the cost of finance.- NOVEL CREDIT MATCHING ALGORITHM: enables customers to complete oneapplication for multiple lenders. Current PoC version of CreditMatch is manual & comparesrates of 2 lenders in ~5mins, this project will enable automatic comparison of customer dataagainst ALL lenders requirements in the market place (~ 75 by 2021 ) in seconds.- LOW COST, SCALABLE, CLOUD BASED PLATFORM: can be used by orgs of anysize/sector/location & is 30% cheaper for retailers than competitors (Pay4Later) who chargeset-up/maintenance fees

问题：一位顾客走在普通的商业街上，看到大多数大型传统零售商都会提供某种类型的分期付款融资作为付款选择。这位顾客当天晚些时候浏览网上商店，努力寻找一家提供分期付款灵活性的零售商。一个商业街的例子是DFS，它与一家名为日立资本的金融提供商合作。需要融资的客户必须填写一份融资申请表，并将其发送给日立资本。如果日立资本拒绝了客户的融资请求，客户将无法在金融上购买沙发。这意味着顾客不高兴是因为他们没有得到沙发，DFS不高兴是因为他们没有做成销售，日立资本不高兴是因为他们无法安排资金。解决方案：Divido Financial Services Limited正在寻求开发CreditMatch，这是一个在线B2B市场，为希望为客户提供简单快捷的POS金融服务的零售商提供服务（分期付款6-60个月，利息为0%）。优点：-创新的真实的投标市场：在线发布贷款利率（如MoneySupermarket/ CompareTheMarket），从而提高透明度和竞争，最终降低融资成本。新颖的信贷匹配算法：使客户能够完成一个申请多个贷款人。CreditMatch的当前版本是手动的，在5分钟内比较2个贷方，该项目将在几秒钟内自动比较客户数据与市场上所有贷方的要求（到2021年约为75）。低成本、可扩展、基于云的平台：可供任何规模/行业/位置的组织使用，比收取设置/维护费的竞争对手（Pay 4Later）便宜30%