Financial Services

You want and need every advantage in today's highly competitive market. Through the information and insight we can provide, you can attract and retain the most valuable customers and grow your share of market. In addition, credit card issuers can motivate greater card usage for even greater profits.

We can help you make more consistent and more objective decisions about extending credit. Members can take advantage of our risk management services—portfolio review, bureau scores and custom modelling—to manage risk and resources effectively while reducing the risk of fraud throughout the customer lifecycle.

Here are some ways we can help you make more informed decisions:

• Pinpoint Segmentation Tool combines bureau credit attributes, census data and property information. You can use this innovative product to assess risk profiles more effectively and improve segmenting. Pinpoint is the first and only segmentation tool for the Hong Kong market to combine these three types of data.

• Personal Loan Score predicts delinquency of unsecured loans over the next 12 months. This score can help you evaluate credit in initial applications and loan assessments.

• Payment Behaviour Score enables you to predict the likelihood that consumers will pay in full over the next 12 months. You can use it to improve customer acquisition, product and offer development and segmentation.