Credit Scoring system

Credit scoring system is a system inheriting all the features of already existing credit scoring systems on the world and in Vietnam, which means that these scoring criteria are tailored closely to resemble those of Vietnam commercial banks. Some of those which already have data being stored in the systems belonging to VNPT are reflected to be points for criteria; while some others were selected or classified based on the data analysis of VNPT.

Scoring criteria include:

• Age and gender
• Occupational risks
• Income
• Subscription payment history
• Loan status

The Credit Scoring system has the following features:

• Provide an API for looking up credit score of accounts with monthly subscription
• Provide an API for checking the loan group of accounts
• Provide an API for checking the scoring of residence address of accounts
• Provide an API for checking the income of accounts
• Provide an API for checking the occupational risk of accounts
• Provide an API for checking whether the resident district of an account is a credit black mark.

Additionally, the system also has a multi-dimensional analysis dashboard for better demonstration of customer choices based on consumption behaviors and service usage.