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

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 ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin 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