Creativity is a key element in overcoming the challenges of data modeling in credit. Institutions that explore new avenues, such as detailed analysis of public data, are able to stand out in the market.
Insights such as the use of CAGED, mentioned above, allow the bulgaria mobile database of income and also an analysis of the financial stability of this profile through salary variations. This goes beyond the conventional, adding a layer that enriches the models.
Furthermore, crossing transactional information with behavioral or digital data is another way to transform challenges into opportunities.
Institutions that can map patterns and find unprecedented correlations create more adaptable models, capable of offering a great competitive advantage.