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The technological race has been the main driver in the development of digital services worldwide. Areas such as the financial sector, education, essential services, and e-commerce have greatly benefited from tools and applications aimed at enhancing operational performance, user experience, and banking inclusion.
Focusing on the financial industry, leveraging mobile data has been essential as complementary information in onboarding processes, profiling, and credit scoring. Additionally, it has made significant contributions to cybersecurity in preventing various types of fraud, such as identity theft and default risk.
Analytical models and processes based on traditional information sources can provide relevant background for a particular market segment. However, they do not ensure business scalability due to the limited scope of such data.
According to the Ericsson Mobility Report, there were 720 million mobile subscribers in Latin America by the end of 2022. Due to the extensive reach and penetration of mobile phones, alternative mobile data allows for entry into new segments and configurations, with the potential to increase approval levels in financial services and expand the operational horizon safely and consistently over time.
You might also be interested in watching this episode of Bemobi Sessions, which explains how digital solutions based on mobile behaviors are driving the development of the financial industry.
Bemobi has over 20 years of experience working with the world's leading telecommunications companies. Its analytical capacity is not limited to accessing mobile data but extends to operational intelligence to understand, transform, and make the best possible use of it.
Some tools that have proven to be highly useful in the financial industry are:
Enhances rating models to detect and guarantee good clients in the portfolio, based on consumption histories, behaviors, and habits.
Identifies and classifies suspicious payment transactions in real-time by analyzing recent movements and the associated mobile number.
Predicts the likelihood of a customer portfolio responding to contact from an institution. It ranks users from highest to lowest based on their contactability rate.
We invite you to revisit the presentation by Fernando Ferreira De Loza, Business Development Director at Bemobi, at the OpenFinance 2020 event, where he discussed the extensive experience working with alternative mobile data and its impact on the financial world and financial inclusion in segments historically underserved by traditional banking.
If you need more information about alternative mobile data solutions for the financial industry, please fill out the following form, and we will contact you as soon as possible.