Integrating smartphone behavioural data to manage credit risk and fraud, with Credolab CSO Michele Tucci

Lex interviews Michele Tucci, the Managing Director in North and
Latin America and Chief Strategy Officer of CredoLab, the largest
developer of bank-grade digital credit risk scorecards based on
mobile device data. Together, they touch on digital banking,
digital credit, as well as the intersection between financial
services, telecoms, and technology more.  


 


MENTIONED IN THE CONVERSATION


 


Credolab's website: https://bit.ly/2XBhDgk


Michele's Linkedin profile: https://bit.ly/3KfeHwU


 


Topics: Fintech, payments, alternative data, AI, artificial
intelligence, behavioural modelling, credit risk, fraud, GDPR


 


Companies: Credolab, Capital One, Mastercard, Intesa Sanpaolo
Bank, Trans Union


 


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Twitter: https://twitter.com/LexSokolin


 


 


TIMESTAMPS


 


1’32”: Michele’s foundational experiences & the core
proponent to his entrepreneurship


 


2’43”: The behavioural influences between credit cards in America
vs Europe & the data landscape in the early 2000s


 


8’51”: The role of Mastercard in Michele’s journey & how
issuers thought about the role of payment rails on the customer
journey


 


16’19”: How data spoke to the human nuances around financial
behaviour


 


20’48”: The evolution of how different players created financial
networks in different geographies


 


24’09”: Credolab - the core problem it solves for & where it
is today


 


32’50”: How Credolab uses pattern-recognition to develop user
personas to inevitably inform risk profiles


 


36’53”: The development of extracting insights from digital
footprints of users & how this results in sophisticated AI
algorithms that banks compete for


 


39’54”: Channels to use to connect with Michele & learn more
about Credolab


Disclaimer here — this newsletter does not provide investment
advice and represents solely the views and opinions of FINTECH
BLUEPRINT LTD.


Contributors: Lex, Laurence, Matt, Farhad, Mike, Daniella


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