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Kreditech
Kreditech (a trading name of Kreditech Holding SSL GmbH) is a German online lender which offers loans to individuals based on their creditworthiness which is analyzed using their online data instead of using traditional credit rating information. Founded in 2012 by Sebastian Diemer and Alexander Graubner-Müller, Kreditech is headquartered in Hamburg, Germany; it particularly focuses its efforts on emerging markets. ==Technology== Kreditech uses a self-learning algorithm which analyzes big data. It is capable of calculating an individual’s credit score in seconds using up to 20,000 data points. Kreditech uses location-based information (GPS), social networking information (likes, friends, locations and posts), hardware data (operating system, browser, etc.), online shopping behavior and general online behavior in order to determine a loan applicant’s creditworthiness.
抄文引用元・出典: フリー百科事典『 ウィキペディア(Wikipedia)』 ■ウィキペディアで「Kreditech」の詳細全文を読む
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