Better Intelligent Decision,

Better Business in Digital

Intelligent Decision Transformation in the Digital
Era
Table of Contents

01. Introduction
02. Understanding of priorities of telcos
03. Potential Tongdun Solutions
About Tongdun Technology

Global expansion
>Now in ASEAN, Founded
Founded in
in 2013,
2013, Hangzhou
Hangzhou
India and Africa

Intelligent Integrity Network

Cross Industry & Joint Defense

1,239 Employees
TONGDUN Credit/Fraud Score
>80% are risk
management experts

Analysis As A Service (“AAAS”)

> 10,000 Customers

Ranked #27 Fintech Unicorn globally –

200 Million USD of Business Insider 2018
Investment Funding
Expanding Tongdun’s Global Footprint

International Team

Lawrence Lu Jean Hartawan Reksodiputro

Tongdun International MD Country Director, Indonesia

• Worked previously in HP, Aspect and • Previous Director of IT & Business

Avaya with over 20 years experience of Development at PT Pefindo Biro Kredit
business expansion in Asia Markets • Board member of Asosiasi FinTech
Beijing
Indonesia (AFTECH)
Lock Kwee Yoong
Chengdu
Shanghai
Tongdun International Tech VP Ryan Gremio Ricardo
Hangzhou Country Director – Philippines
Guangzhou • Former SAS solution lead of financial
Shenzhen
business and risk management for • Over 18 years of experience in
ASEAN market Technology & Consulting, orchestrating
Vietnam
India Philippines • Former Oracle solution leader of large transformation initiatives
Thailand financial business for APAC and Japan • Ryan is the former Chief Operating
market Officer of Transunion, Philippines
Malaysia Singapore
Ng Oy Moon
Regional Sales Director

Indonesia • Prior to Tongdun, she was GM for

Credit Bureau Malaysia and held a
senior management role in CTOS, a
pioneer in independent credit reporting
Office Customer
Location Location • An industry veteran with over 12 years
of experience in the credit reporting.
Table of Contents

01. Introduction
02. Understanding of priorities of telcos
03. Potential Tongdun Solutions
02. Our understanding of priorities in telco industry
The following areas are identified ,that Tongdun could collaborate with the telco

Increase Topline Revenue

Reduce Bottomline - Risk & Cost
1. KYC & Client Analytics
• Validating ‘New-New’
Customer Data 
2. Credit Underwriting
• Profiling & Client
• Improve Process TAT
Segmentation
• SME Score Modeling
• Account Linkages 3. Collection Management
• Consumer Score Modeling
• Early warning behaviour
• Enhance A score with
model
alternate data
• Collection score
Creative / New approach for modelling
• Collection strategies &
Revenue stream
collection tools

Automate underwriting processes

Efficient collection processes

Table of Contents

01. Introduction
02. Understanding of priorities of telcos
03. Potential Tongdun Solutions
Scenario-based Intelligent Analysis using AI & Big Data

Objectiv Establish Tongdun as the world’s leading risk management and intelligent analysis service provider to achieve
e empowerment through technology.
Provide intelligent analysis services for the finance, Internet, government, retail, etc., sectors using big data and
Method
artificial intelligence technologies

Finance Non-Finance
Scenario Banking | Insurance | Consumer or Auto Finance | Funds management | Payment | E-commerce | Gaming | O2O | OTA | Social Media |
Internet Finance 丨 Small and Micro Businesses Live Streaming

Data crawling services – Anti-fraud services – Credit risk control services –

Service Mo-box AI Security AI Credit Risk Control

Technology
Core technologies Computing platforms Artificial intelligence
& tool

Platform Public Cloud Hybrid Cloud Private Cloud

8
KYC – Facial Comparison + Liveness Test

Facial Comparison Liveness Test

9
Mo-box: Authorized & Responsible Data Crawling Services

10
Device Fingerprint

Accuracy Stability Security Associative

Device ID is unique, it Emulators, Xposed, Code encryption, Big data cross-

will not change even if Cheating softwares, Device information industry joint defense,
the device information Root/Jailbreak, App encryption to prevent Negative list
is altered. Repackaging malicious changes, database, Historical
Tokenised verification fraud behavior labels

Advantages

100% Anti-
Asynchronous Enhanced
Cross compatible debugging,
Small SDK operations, security
platform with Anti-
(100+K) outstanding against
support mainstream reissuance,
performance emulators
models Anti-reversing
Complex Network
New Risky
Known Fraudulent
Numbers
Numbers Numbers associated
with the device are
highly risky even if
Phone
Number they are not in the
Phone 3 mobile number
Number Device A blacklist
1
Phone
Number
Phone 4
Number Device
2 B
Phone
Number
5
Device …
…
C

• With our fraudulent numbers database, we are able to analyse and

identify the devices that are related to these numbers.
• Using the unique identifier from our device fingerprint, we can dig
deeper into the fraud web and identify more fraudulent numbers.
• A typical fraudster will only use 1 or 2 different devices for their
operations.
• A fraud ring with a certain level of competency will have tens or
hundreds of different devices for their operations.
 IP Profiling

IP Risk Network
Risk Tags
Score Type
• 8 different • Cross
classification Platform/Industr
• Prevents false y
positives • Joint Defense

Network Threat
Location Information
• Coupled with • Sourced from
Device FP Tech credible third-
• Identify the party sources
location of the
IP and device.

Monitoring

• Monitoring
system
Customer Profiling

Leveraging external data and multi-dimension labels to generate customer profiles,

enabling comprehensive understanding of your customers
• Gender
• Age
Sam
ple
Basic label • Region
• Mobile phone Huawei
model female 29
phone

• Industry activeness
Marketing • User credibility
Active in Growing
• Life cycle
label • Abnormal risk
Have a credit consumer demand for
elimination card finance platform credit

• Way to travel Learning a

Lifestyle • Education Take the
foreign
• Leisure life subway
language

• Expenditure High home Mostly

Watch
• Entertainment
Interest • News & shopping decoration shopping
Information shows consumption online

Note: the figure above is an example. Due to the protection of consumer privacy by Tongdun data policy, the actual label output currently does not support user
privacy details. The label output is mainly in the form of rating
Airtime Financing Approach For Prepaid Customers
Air Time Financing Processes
1 1. Telco provide data to Tongdun for data analysis &
Telco Tongdun modeling

2. Tongdun’s AI decision engine and score model to score

2 those prepaid users for different segment of credit limit
4 3
3. Telco to auto upload limit as per Tongdun Score when
usage limit of customers end.
Customers
(Prepaid 4. (a )Customers pay the top up limit, profit sharing
User)
between the telco and Tongdun.
(b) Customers default, Tongdun to bear the risk

Benefits to Telco:
* Always the winning party *Increase topline revenue with minimum risk
Joint Modeling Flow Chart
FAQ
Clarify business logic Data requirements
document
Clarify variable definitions
Model version,
update details 1. Clients Background Data &
and date data
Research
dictionar Achieve data
y
9. Model update 2. Data needs Archive to dtceshi

TD internal data
Model performance deteriorates
Generic score
Challenger model performs better
Third-party data

Data manipulation
M&M
frequenc 8. Model performance Model 3. Joint dataset table
& transformation
hdfs table
Joint table data
KS/ROC/PSI y monitoring and dictionary
maintenance Developing
Clients feedbacks
with performing date
Full Cycle Joint Table
Variable filtering
& cleaning up Info, M_data, O_data
4. Calculate Variables statistical analysis
Deployment engine
IV/WOE Variables processing rules
Algorithm development 7.1 Model deployment
for PMML
Separate training
set & validation
Logistic model: model
Outputs discussion with clients set
estimations
Old model retirement
ML model: PMML file
6. Model output 5. Model development
All procedure Model with clients’ variables
documents Output Challenger model
Project result Model with clients’ and TD’s variables
test (if available)
reporting and
reviewing Model outputs
Final analysis report combination
Project review report
7.2 Model archive Model specification,
data sample,
binning, test result
explanation
Comprehensive Underwriting Process

Application

Identity
check High risk Reject
Product
1
Product
2
…… Product
N Anti-fraud
Thin file segment
strategy
Prescreening
policy
VIPs
Medium Manual
Regular segment risk approval
others
Anti-fraud
model Low risk

Low Low score

Risk Reject
score score Reject External
Swap Out Application
High Return Scorecard Medium
score Score Scorecard
Swap In
High
Revenue score
score
Underwriting Process: Traditional VS AI Big Data Approach
Traditional underwriting
process Future
Submit paper/electronic
application form

Apply Intelligent Card Con-

ditional
online Underwriting Issuance
review
Identity verification

Anti-fraud
Infor- Scores
Identity Anti- mation &
Check fraud verifi- Strategies
cation
Phone verification

Evaluation and
approval Insufficient Lack of

Third
ability to
pay
willingness
to pay Interactive
party Doubtable application
form
phishing employment
Review info

A l l
Gang a p p l i - Doubltable
fraud c a t i o n s income
Card issuance info
 Collections: Traditional VS AI Big Data

Traditional Collection Management with AI

collections and Big Data

Outsourcing
• Going through the Early warning (up- Early stage collections Late stage collections
and Debt
phonebook to-date accounts) (M0-M2) (M3+)
Sales
• No distinction among
time periods Complement missing
• Aggressive language; Apply intelligent information to get in
Telephone Existing account collection tools to touch with high
collections
monitoring, early improve efficiency delinquent customers
Needs warning; Customize Contact data sharing, Continue to
Design early collection strategies offline collections; collect
Door-to- intervention for different groups Monitor past due
strategies and business customers' asset status
door
conditions. and adjust collection
collections strategy.
 Lack of early warning;
 Lack of segmentation
on risk; Collection
 High cost of human Collection Genie
Genie:: intelligent interactive voice, SMS,
intelligent interactive voice, SMS,
Collection Manager, collection
collection scorecards,
scorecards, collection
collection strategy,
strategy, report,
report,
• Low touch rate; resources recording,
• Negative impact on
IVR voice, SMS,, recording, recording
recording to
to text
text
 Uneven personnel  Tongdon repayment reminder,
cohabitants; Solutions
 quality, low efficiency; recording
• Conflicts may arise; Intelligent Collection
Collection Master
Master:: intelligent
intelligent connection,
connection,
collection manual
manual calls,
calls, SMS,
SMS, collection
collection scorecard
scorecard
rating,
solutions rating, outsourcing
outsourcing
Collection Management Total Solution

Precisely quantify customer credit risk via statistical models and multi-dimensional data
analyses, combing leading collection practices worldwide and intelligent collection tools,
differentiate and manage collection groups automatically, achieve optimal collection effects
and minimize costs

Model Strategy
• PD/M1/M2/M3-M6/REC • Step-one strategies
models to cover all  Customer group risk cut-offs,
periods collection prioritization
• Niche models for specific • Step-two strategy

period (self-cure model,

Model Strategy  Script design, tool/channel
design, collector allocation,
skip tracing model...) KPI design

Tool Operation
• Collection Manager
Tool Operation • Collection resource forecast
• Collection Genie • Collection resource management
• Collection Master • Collection efficiency management
Intelligent Network
Connected Trust