Lex interviews Michele Tucci, the Managing Director in North and Latin America and Chief Strategy Officer of CredoLab, the largest developer of bank-grade digital credit risk scorecards based on mobile device data. Together, they touch on digital banking, digital credit, as well as the intersection between financial services, telecoms, and technology more.  

MENTIONED IN THE CONVERSATION

Credolab's website: https://bit.ly/2XBhDgk

Michele's Linkedin profile: https://bit.ly/3KfeHwU

Topics: Fintech, payments, alternative data, AI, artificial intelligence, behavioural modelling, credit risk, fraud, GDPR

Companies: Credolab, Capital One, Mastercard, Intesa Sanpaolo Bank, Trans Union

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TIMESTAMPS

1’32”: Michele’s foundational experiences & the core proponent to his entrepreneurship

2’43”: The behavioural influences between credit cards in America vs Europe & the data landscape in the early 2000s

8’51”: The role of Mastercard in Michele’s journey & how issuers thought about the role of payment rails on the customer journey

16’19”: How data spoke to the human nuances around financial behaviour

20’48”: The evolution of how different players created financial networks in different geographies

24’09”: Credolab - the core problem it solves for & where it is today

32’50”: How Credolab uses pattern-recognition to develop user personas to inevitably inform risk profiles

36’53”: The development of extracting insights from digital footprints of users & how this results in sophisticated AI algorithms that banks compete for

39’54”: Channels to use to connect with Michele & learn more about Credolab

Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.

Contributors: Lex, Laurence, Matt, Farhad, Mike, Daniella

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