NBKI Signal 2.0

2019: "Signal Credit Report by Information Part of Credit History" service

On May 28, 2019 the company "National Bureau of Credit Histories" (NBCH) announced development credit report credit history of "Signal by Information Part" service. Service is provided for the purpose of issuance of credit and is founded on data from information part of credit history.

"The signal credit report by information part of credit history" includes data on emergence of new credit requests of the subject, their approval or a deviation (with causes of failures), about issue and repayment of the credits according to these requests and also about signs of a default, noted in NBKI.

"Inclusion "Of signal credit reports by information part" in credit pipelines of banks promotes increase in efficiency of work with the existing customer base. Obtaining signal reports allows banks to improve the risk procedure and also it is useful in the marketing purposes since gives the chance to banks better to understand preferences and behavior of the clients. It is also worth noting the high processing speed of large volume of information, efficiency and convenience of integration into banking systems and also the minimum costs for automation". Alexey Volkov, marketing director of NBKI

2014: "Signal 2.0"

Signal 2.0 - the warning system of bank about emergence of certain changes in credit history of the subject.

The product is focused on creditors - the legal entities acting in lending market of the Russian Federation. On monitoring it is possible to set three types of subjects: individuals, individual entrepreneurs and legal entities.

The bank can define the list of clients who will undergo testing by different criteria with a possibility of individual parametrization. The bank receives the worked signal without request, directly after approach of an event.

Features of services "Signal 2.0"

• Verifiability of subjects both on an account number, and on passport data of the client.
• Expanded set of criteria of formation of signals using individual parametrization.
• The created signal contains an extensive data set from credit history of the subject.

Criteria of formation "Signal 2.0"

• Emergence (opening) of new accounts;
• Emergence of delay on the credit of 1-29 days;
• Emergence of delay on the credit of 30-59 days;
• Emergence of delay on the credit of 60-89 days;
• Emergence of delay on the credit more than 90 days;
• Delay improvement;
• Repayment of the current delay on the credit;
• There are no active credits - At the client died any operating credit;
• Change of a limit of the credit more than on % n;
• Change of a current debt more than on % n;
• Exceeding of a limit (overdraft) more than on % n (only for credit cards);
• Exit from an overdraft (only for credit cards);
• Account termination;
• Lack of updates more than 30 days after approach of date of the following payment or closing of the agreement;
• Removal of the account;
• Request of credit history;
• Emergence of data on other passport (this signal works only for FL and SP).

Tariffing

Payment always goes from the number of the checked clients.

Interaction between bank and NBKI goes in two directions: management of a subscription to "signals" and receiving "signals".

Properties of use of service "Signal 2.0" NBKI:

• The high level of operating control (1 time a day) behind changes of data of the borrower;
• An opportunity to receive the maximum quantity of information on the subject;
• Possibility of obtaining information from credit history without its request in NBKI.

Examples of use of service "Signal 2.0" NBKI:

• the additional sales channel - an opportunity apseyl and cross-sellings;
• management of arrears of "soft-collection" - diversification of efforts on collecting of debt at early stages of delay;
• management of limits of the credits - especially well it works in the course of risk minimization at increase in limits of credit cards;
• process optimization of "cut-off".