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HYBRID CREDIT SCORING ASSESSMENT FOR LOGISTIC COMPANIES

This is a China-focused product that uses toll data for a new generation of credit scoring for underserved businesses in logistics sector like trucking.

Credit risk management | Fraud detection | Market research

Crunching over billions of lines of past toll transactions from over 10,000 toll stations countrywide, BRDA’s hybrid credit scoring assessment is developed to make a breakthrough in the logistics sector, especially for trucking companies that are often unable to secure loans from banks and financial institutions using traditional credit metrics. Around 950k heavy trucks accounts for almost 70% of total freight transactions on China Expressway, yet trucking companies usually have thin credit histories as most trucks are mortgaged, and there is still no official/proper way to determine the assess or authenticate their business.

BRDA’s hybrid credit scoring assessment can significantly increase approval rates based on toll data that has been processed and designed to be secure, non-intrusive and confidential in real-time, seamlessly. At the same time, it keeps negative rates under control and prevents fraud effectively.

This is an essential product for banks and financial institutions that are planning to enter or expand into this market segment in China.
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KEY BENEFITS


1. Faster and improved decisions with instant real time generation of results
2. Reduce risks
3. Greater approval rates
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