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reach more customers and increase spend/loyalty
-unlock new customers
-increase spend and loyalty from existing customers (lift in conversion, increase in basket)
-increase brand engagement
-deliver credit to people excluded, mispriced
-40% of buyers are millenials
-70% NPS
-100M$ credit line from Morgan Stanley
-core customer: millenials
-Internal data
-purchase oriented loans
-good at spotting fraud (Paypal legacy)
-they borrow money to lend (unlike deposit institutions)
-5 pieces of data: name, email, phone, birthday, 4last figures of SSN
-antifraud, identity verification, sms
-quick and easy==> real time decision
-really straightforward, simple
-Loans made by Cross river bank, a new jersey chartered bank
-member of the FDIC
-Rates 10-30% APR
-underwriting approval rates (superprime, prime, subprime, developping credit) :
-improvement of conversion rates
-ecommerce
-identity and fraud management
-debt/income ratio+modeling
-merchant partners, +30% in sales
-limited advertising
-extending credit to people who deserve it
-Millenials
-Antifraud, fraud detection
-collecting data
-not a bank, they lend their own money
-student loans
-small business banking
-healthcare financing
-FICO score is imperfect
-loan priced to every transaction
-transparency on the cost of ownership
-model to ability to repay; propensity to repay
-non repayment rates per tranch of credit
The people who choose Affirm pay back 100%
The others, sometimes default, in the single to double digit delinquency rates
-smart collections
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