Fintech and Online Credit Scoring Group
Agenda What we have (Thoth Zocial,TARAD, Pay Solutions) Thoth Zocial (User Social Profile) TARAD, Pay Solutions Transaction data (Consumer Business) What we do Methodology to creditize Next Step
Who is efrastructure Group Full E-Commerce Service Group Company, Long history more than 16 years Start Up with 3 Friends Year 1999 199 9 200 TARAD.com 1 Setup Company Join with Rakuten Japan Year 2009 More than 250 staff in group company 201 201 201 200 201 201 201 TARAD.com join with Rakuten Group Found e-fra inc. Zocial 4 5 6 9 Split TARAD Solution 1 from TARAD. 2 Founded 3 Acquired Thaiepay.com, Inc The largest B2C Shopping com Build up ThaiSecondhand.com 1st E-Classifieds in Mall ThailandApril 8, 1999 RedRank. Comparison Re-Brand from TARAD Solution to Winter Egency
One Stop E-Business and Total Solutions (more than 250 employee in group companies) E-Commerce Largest B2C Shopping Mall in Thailand Advance E-Commerce for Business 1st C2C Classified Services in Thailand People can sell buy freely. Super Commerce Generate Online Sale E-Payment E-Logistic Online marketing, Strategy Social Network Expertise Online Marketing Tools & Platform E-Marketing Media Planning * Full E-Commerce Outsourcing Build Manage Generate Sale for business Channel Management Shipping aggregator Full support to all e-commerce service Easy to plug and integrate Digital Egency * Media Company Online marketing, Strategy Social Network Expertise Online Marketing Tools & Platform Media Planning E-Analytics Search Marketing Company ROI driven for business Advertising & Media Big Data Company Brand & Social Network Analysis Data Mining and Researching Brand and Online Ranking E-Payment E-Logistic * E-Commerce Price Comparison E-Marketing E-Analytic Product price comparison Data Analytics Quality traffic E-Knowledge Efra E-Business School * Affiliate Company in the group and new startup E-Business knowledge Full format of knowledge Offline and Onine E-Knowledge
ThothZocial provide insights from Social Media Social media is a place where billion people share their information, intentions, thoughts and engage with others in private and public. Over 3 years, we collect public data from all major social media including global platform i.e. Facebook, Twitter, Instagram, Youtube and local platform i.e. Pantip, Sanook and top websites / forums in Thailand. We build various tools and data model on top of raw data to get insights that useful for making decisions or taking actions.
ThothZocial s in numbers 4 software as a services (SaaS) 10 million data pieces collected everyday 15 sec. average real-time sensitive data notification 45 full-time team players > 200 active data sources > 10,000 Million data pieces collected in our infrastructure
TARAD.com service scale Foundation Premium mall establish Membership # of stores # of product From 1999 From Jan 2010~ About 2.5 million include Platza Thaisecondhand About 200K include Platza Thaisecondhand About 3 million include Plaza Thaisecondhand 9
TARAD.com media value Membership Around 2.5million include Platza Thaisecondhand LINE Facebook Around 12 million Around 400K 1 0
TARAD.com s media TARAD.com Shopping Mall Develop in the same B2B2C model Smartphone All products available for purchase from smartphone 1 1
TARAD.com s media LINE Promote by LINE stacker Facebook Promote for 42 million followers 1 2
Credit Scoring from TARAD.com + = Loan for Merchant X Bank 1 3
บร ษ ท Pay Solutions ค อใคร? Pay Solutions เป นผ ให บร การช าระเง นออนไลน แห งแรกของประเทศไทยต งแต ป 2003 ด วยบร การ www.thaiepay. com ให บร การช าระเง นท หลากหลายท งออนไลน และออฟไลน ม ระบบการค าออนไลน ท หลากหลายส าหร บธ รก จ เป นผ ให บร การการ ช าระเง นผ านทางโซเช ยลม เด ยแห งแรกของไทย ม บร ษ ทน บร อยใช บร การอย ในป จจ บ น ในแต ละม ม ลค าการช าระเง น มากว า 350 ล านบาท 15
Payment Solution ระบบช าระเง นครบวงจร ช าระเง นออนไลน (Online Payment) บ ตรเครด ต Credit Card,บ ตรเดบ ต Debit Card ATM (VISA, Master Card, JCB, AMEX, Union Pay) E-Banking (Direct Debit) (BBL, SCB, Kbank, BAY, KTB) ระบบเง นผ อนทางออนไลน Paypal, Line Pay (Soon), Alipay (Soon) BitCoin (Digital Money) ช าระเง นออฟไลน (Offline Payment) จ ดช าระเง น ร านสะดวกซ อ 7-11 (7 พ นสาขาท วไทย), mpay, Pay@post, Big C, Tesco Lotus, Just Pay TOT เก บเง นปลายทาง (Cash On Delivery) Soon เคร องร ดบ ตร EDC, ต อก บม อถ อ mpos
Pay Social - Social Payment
เช กรายการช าระเง นผ านเว บและแอพท นท Web Report Mobile Report > ** Free Download Pay Social App
Beauty of Transaction Data Merchant Business Liability Transaction Flow Category of Business Customer Customer Profile Spending Behavior Order Transaction Type of product Location
What you know. What you really don't know! Credit Scoring Question
Married man is more reliable
More accepted loans applications Standard Credit Scoring With Social Credit Scoring Less defaults on loans Standard Credit Scoring With Social Credit Scoring
We need platform!!!
Data Synergy to Online Credit Scoring Transaction Data + (E-Commerce) Social Data (Social Media)
Case Study
Case Study : Sesame credit from E-commerce Data Factors Past payment history and indebtedness Online behavior on the websites they visit the product categories they shop Alipay account balances Fulfillment Capacity Personal Characteristics Interpersonal Relationships
Case Study : Friendlyscore.come from Social Media Data
Factors
TZ POC: Credit Scoring From Public Opinions
Supplement to Credit Scoring - Buying Behavior Social Interaction Employment Status
Education and Employment Employment status and stability Job Hopper VS SingleCompany-Man Value of professional connection Career growth
Spending Behavior Spending behavior Categories of goods bought Buyer categories (Impulsive buyer VS Deal Chaser VS Money Saver) Merchant Behavior (Example : Time for Open shop,transaction Success Rate,Fraud Rate,Review from Customers)
Personal Behavior Quality of close network Personal interest Travel pattern Attitude >> like positive or negative post Social Interaction Marriage status
Appendix