Delphi for New Markets (DNM)
The growing opportunity to provide credit products to new market entrants is changing the way providers do business in South Africa. Experian’s Delphi for New Markets is a highly predictive generic bureau scorecard that has been designed to offer lenders greater discrimination and decisioning power for traditionally high risk markets, such as new market entrants and micro- lending customers. Delphi for New Markets provides a complete view of the applicant and supports responsible lending within this segment of the South African consumer credit market.
Key features
- Built using a targeted sample of customers who applied for high-risk credit product
- Developed locally taking into account South African market conditions and its regulatory environment
- Improves discrimination when used alongside bespoke scorecards
- Powerful enough to be used as a standalone scorecard
- Application characteristics can be added to increase predictive power for specific vertical markets
- Regularly reviewed and updated to reflect latest data, economic and regulatory conditions
- Returns scorecard reason codes that provides the primary reasons as to why a score may be lower than expected
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