Integrating smartphone behavioural data to manage credit risk and fraud, with Credolab CSO Michele Tucci

<p>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.  </p><p> </p><p>MENTIONED IN THE CONVERSATION</p><p> </p><p>Credolab's website: https://bit.ly/2XBhDgk</p><p>Michele's Linkedin profile: https://bit.ly/3KfeHwU</p><p> </p><p>Topics: Fintech, payments, alternative data, AI, artificial intelligence, behavioural modelling, credit risk, fraud, GDPR</p><p> </p><p>Companies: Credolab, Capital One, Mastercard, Intesa Sanpaolo Bank, Trans Union</p><p> </p><p>ABOUT THE FINTECH BLUEPRINT</p><p> </p><p>🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2</p><p> </p><p>🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV</p><p> </p><p>👉 Twitter: https://twitter.com/LexSokolin</p><p> </p><p> </p><p>TIMESTAMPS</p><p> </p><p>1’32”: Michele’s foundational experiences & the core proponent to his entrepreneurship</p><p> </p><p>2’43”: The behavioural influences between credit cards in America vs Europe & the data landscape in the early 2000s</p><p> </p><p>8’51”: The role of Mastercard in Michele’s journey & how issuers thought about the role of payment rails on the customer journey</p><p> </p><p>16’19”: How data spoke to the human nuances around financial behaviour</p><p> </p><p>20’48”: The evolution of how different players created financial networks in different geographies</p><p> </p><p>24’09”: Credolab - the core problem it solves for & where it is today</p><p> </p><p>32’50”: How Credolab uses pattern-recognition to develop user personas to inevitably inform risk profiles</p><p> </p><p>36’53”: The development of extracting insights from digital footprints of users & how this results in sophisticated AI algorithms that banks compete for<