Mobile operators will sell customers banks

VimpelCom and MTS has launched a pilot project, the extent of which is based on diverse consumer information about the subscribers will form their evaluation as potential borrowers and sell them to banks.

According to the statements of experts, in fact, companies want to sell information about visitors to the banks.

As informs the edition "Kommersant" referring to own sources in the banking market, VimpelCom sells with several banks pilot project to assess the potential borrowers (scoring) based on the analysis of big data (data) about their own subscribers. The project will involve about 20 banks, which mobile operator realizes scoring points, formed on the basis of data on consumer behavior of the visitor.

In "Vympelcom" this information is approved. "The firm really is at the stage of pilot project on banking scoring with a number of prominent Russian banks. However, while on the commercial exploitation to declare early, need to wait for the results," said the adept of the operator Anna Imasheva.

According to the interlocutor of the newspaper is familiar with the constituent parts of the project VimpelCom, the operator is going to apply not only payment information visitor for mobile communications and payment services from your mobile operator, but also the data acquired with the help of geolocation. For example, where the customer makes a purchase, leaves abroad, whether auto or moves solely on public transport. However in "Vympelcom" has denied to comment, actually if used for scoring all these data.

Note that the project "VimpelCom" is not unique. MTS announced that it had already conducted a similar pilot project on scoring subscribers with several banks, is currently completing the implementation of technical solutions for the risk assessment of the borrower and hope to offer a finished product by the end of the year. The company will assess the risk of the borrower based on the analysis of data about his relationship with the operator - for example, the frequency of the change rooms, the number of occurrences in the lock room, the regularity of the Deposit.

MegaFon announced that master the technology of big data since 2013, but based on the beliefs of financial returns similar projects with banks are not a priority for the firm. Besides all this, a number of banks have adopted the role in the project operators, but unofficially, citing confidentiality agreements.

sections: Economics