Kreditech works likes a big mosaic - Any online data that can be found about an individual will be used for fraud detection, identification, scoring. A decision /payout is made within seconds 100% automatically - no manual actions occure in the workflow.
This generates customer value as unbanked individuals with no credit bureau history can get credit in 10 min conveniently. Variable cost is 0 at unlimited scale thanks to fully automatized processes.
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