Renter-focused Open Banking Risk-profiling Model Using Big Data and Machine Learning, improving Credit Scores and a 10–20% Reduction in the Poverty Premium

以租户为中心的%20开放%20银行%20风险分析%20模型%20使用%20大%20数据%20和%20机器%20学习，%20改善%20信贷%20分数%20和%20a%2010-20%%20减少%20in%20the%20贫困

• 批准号: 10004498
• 金额: $ 41.57万
• 依托单位: INSURESTREET LIMITED
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2021
• 资助国家: 英国
• 起止时间: 2021 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=10004498
• 关键词: Renter; focused; Open; Banking; Risk

InsureStreet Limited (Canopy), with a core team of Tahir Farooqui, Matt Hobbs, Jon Holloway and Lee Power, is a UK fintech SME revolutionising risk assessment modelling for the rental industry. Through the expansion of an open banking-based risk-profiling model, Canopy will allow renters, letting agents and financial institutions to fairly and accurately predict affordability and risk levels, simplifying the process and increasing financial stability for those most vulnerable.During months 1--3, Canopy's proprietary data-driven risk rating model powered by open banking data will be built. At month 3, the beta product will be launched and immediately start ensuring that there are increased tenancies for renters impacted by COVID-19\. This will ultimately reduce homelessness and welfare dependency. During months 3--9, the beta product will be iterated on during the remainder of the project. At month 6, Renters will achieve greater visibility to the financial services sector and as such, improved access to financial products that fit into stretched budgets. This will lead to lower rent arrears in the private sector and less pressure on social housing supply. By month 12 and 18, the project will have delivered its proposition. The impact will be improved accessibility to housing and a reduction to the poverty premium.

InsureStreet Limited (Canopy) 的核心团队由 Tahir Farooqui、Matt Hobbs、Jon Holloway 和 Lee Power 组成，是一家英国金融科技中小企业，彻底改变了租赁行业的风险评估模型。通过扩展基于开放银行的风险分析模型，Canopy 将允许租户、租赁代理和金融机构公平、准确地预测负担能力和风险水平，简化流程并提高最弱势群体的财务稳定性。在 1-1 个月内-3，将建立 Canopy 专有的由开放银行数据支持的数据驱动的风险评级模型。第 3 个月，测试版产品将推出，并立即开始确保增加受 COVID-19 影响的租户的租赁量。这最终将减少无家可归和福利依赖。在第 3--9 个月期间，测试版产品将在项目的剩余时间内进行迭代。第 6 个月，租户将获得对金融服务行业的更高可见度，从而改善获得适合预算紧张的金融产品的机会。这将导致私营部门拖欠的租金减少，并减轻社会住房供应的压力。到第 12 个月和第 18 个月，该项目将交付其提案。其影响将是改善住房的可及性并降低贫困溢价。