價格：免費
更新日期：2019-07-31
檔案大小：3.1M
目前版本：3.0
版本需求：Android 4.1 以上版本
官方網站：http://credolab.com/
Email：support+CIMB@credolab.com
聯絡地址：隱私權政策
CIMB Bank PH Credit Analysis app is powered by CredoLab.
CredoLab is a smartphone-based FinTech solution provider that generates an alternative credit
score to help participating financial institutions make a credit decision when you apply for financial
services with them.
How does CredoLab work?
When you make an application for a credit card or a loan with a participating bank, the bank may
ask you to download this app to receive an alternative assessment of your creditworthiness. If you
choose to participate, you may download our app and allow us to collect and use information from
your phone to generate a credit score. The credit score is provided only to the participating bank
whom you have made the application.
How does CredoLab use information on my phone to create a credit score?
Our research shows that, in the absence of reliable credit bureau data, certain data points on the
phone are predictive of an applicant's tendency to repay a loan.
The data points we collect do not directly identify you.
We do not ask for access to your social media account to create your credit score.
We ask for this information on behalf of the participating bank because it might tell them something
more about you as a borrower. With your permission, we access data points from Media Library,
Calendars, Contacts, Photo Library, and Reminders.
The information we retrieve is used only to calculate your credit score and to find the correlation
between you as an applicant and the predicted default rate. This information is not used to sell ads
nor shared with any third party.
These are some examples of how the data points we collect relate to your credit score:
* Calendar – A higher number of events scheduled during working hours of working days shows
higher willingness to repay.
* Contacts – A lower number of contacts with more than one phone number tends to indicate lower
willingness to repay.
* SMS – A lower number of outgoing SMS might relate to a medium-to-low willingness to repay.
* Storage – A higher number of music files tends to indicate a lower willingness to repay.
* Other / Access Mail Information – A lower percent of unread mails might relate to a higher
tendency to repay a loan.
You may choose to provide us with access to one or more of the categories requested. However,
the more information that you provide, the more accurate your credit score will be.
CredoLab respects your privacy
We always ask permission from you before accessing the information on your phone. All
information requested is relevant to creating a credit score for your loan or credit card application.
You may choose not to provide the information requested. However, your credit score may be
inaccurate or unavailable for your application as a result.
You will not be required to create an account with us. You will instead be required to enter the code
provided to you via SMS by the bank with whom you have made the application. This allows the
bank to link your credit score with your application. We do not receive any personal information
from your bank in relation to your application.
We process the information and the bank of your choice receives some limited pseudonymised
information about you including the results of the credit assessment in relation to the loan you are
applying for. While the information remains attributable to you, it cannot be reverse engineered to
produce the original raw information collected.
For more information on our data practices, please refer https://www.credolab.com/privacy-policy.