3. Compuscan Information Technologies
We combine trusted advice, information, world-class analytics and innovative
applications to help you make smart business decisions.
• Established in 1994
• We collect, validate, load, verify, house and distribute consumer credit
information
• We are a recognised market leader in developing markets
• We partner with organisations and businesses around Africa to establish and
strengthen customer relationships and provide businesses with a competitive
advantage
• We strive for innovative and quality products
• 200 staff members
• BBBEE rating of Level 4 + value add supplier
www.compuscan.co.za
4. Our Markets
Compuscan received a tender in 2010
to provide a consumer and business
credit information bureau in Ethiopia.
In Botswana microlenders have to
register with the MLA and only once
the Compuscan installation is In 2006 Compuscan was selected by
completed do they get issued with a the Bank of Uganda to build the first-
license of trade. ever Ugandan credit reference bureau
and biometric identity smart card
system.
In Namibia microlenders are mandated
by NAMFISA and the MLA to subscribe
to Compuscan.
Compuscan South Africa
collects, validates, loads, verifies, hous
es and distributes consumer credit
information.
www.compuscan.co.za
5. ScoreSharp
Specialised credit risk management consultancy focused on providing scoring,
analytical and consulting solutions.
• Established June 2007
• Started by 4 industry professionals with combined 50+ years risk management
experience
• Local and international experience
Solutions include:
• Data Analytics
• Predictive Modelling
• Consulting
• Software Services
www.compuscan.co.za
7. Compuscan IT
Prospecting
and
Marketing
Credit Customer
Collections
Bureau Data Acquisition
Customer
Management
www.compuscan.co.za
8. Compuscan IT
Credit Bureau Data:
• Accounts data & repayment information from entire population
• Full CPA file from 2007 (+/- 50 million accounts updated monthly)
• NLR information (+/- 8 million accounts updated monthly)
• Compuscan microloan (+/- 3 million accounts updated monthly)
• Adverse/Default Data
• Public domain information: Judgements, administration orders, sequestrations,
liquidations, rescindments, default/adverse orders (+/- 1.5 million annually)
• Contact information
• Previous enquiries
• Debt restructuring information
• Disputes information
• Deeds/property information
• Identification/contact information
• Collections information
• Fraud/SAFPS information
www.compuscan.co.za
9. Compuscan IT
Data Statistics:
Variable Amount
Consumers on file 47 514 034 million
Addresses 128 454 529 million
Telephone Numbers 96 773 698 million
Employee Information 24 501 332 million
SAFPS Listings 40 165
Active CPA Accounts 46 909 042 million
NLR Accounts 9 993 723 million
Enquiries per month 941 334 million
Statistics dated: 18 October 2012
www.compuscan.co.za
10. Compuscan IT
Prospecting & Marketing:
Marketing Information Services: By combining propensity-to-purchase, response
models, bureau screening and credit scoring criteria we can assist you to profile
potential clients.
Prolinx: Prolinx is a loan portal linking originators, credit providers and consumers.
It offers benefits for credit providers, microlenders and originators. For more
information, visit www.prolinx.co.za
www.compuscan.co.za
11. Marketing Information Services
Propensity to purchase
Response models
Bureau screening
Credit scoring criteria
Prequalified leads
www.compuscan.co.za
12. Prolinx
Prolinx is an online portal which broadens the market-place for microlenders and gives
them the ability to partner with larger credit providers who have the capital necessary to
provide long-term loans thus positioning microlenders as financial
intermediaries, enabling them to offer larger loans to their client base.
It offers benefits for:
• Credit Providers
Credit providers disburse their loan products to as many customers as
possible.
• Microlenders
Microlenders can earn commission by offering loans risk free on behalf of
multiple finance houses.
• Originators
Originators have contact with the end consumer and mediate between
consumer and credit provider.
www.compuscan.co.za
13. Compuscan IT
Customer Acquisition:
Credit Check: Credit Check provides direct online and offline access
to Compuscan’s comprehensive credit bureau database.
Xcelerator: With Xcelerator you can automate the entire credit
application cycle by employing workflow techniques which control and monitor each
stage of the application process.
CompuScore A: (Application) CompuScore A was created for risk assessment
at the customer acquisition stage.
Codix: Codix is a decision making tool which takes your specific business rules for
each loan product into account and provides you with recommended actions for
each of your loan products.
Codix Lite: Codix Lite is an effective decision making solution for smaller unsecured
loan providers.
www.compuscan.co.za
14. Credit Check
• Provides direct online and offline access to a comprehensive credit
bureau database of consumers (50 + million ID’s , 18.5 million credit
active consumers, over 60 million accounts).
• Submit and receive credit information through a method of choice,
- Web front-end
- Integration into various packages through DLL’s or web services
- CPU – CPU
• Can link to CompuWatch to monitor your borrower’s movements in real-
time.
- Get alerts everytime your borrowers enquire at other institutions
or have changes made to their credit portfolio.
www.compuscan.co.za
15. Xcelerator
The Process:
Xcelerator
External Credit Links to Codix to Prints pre-
checks for Prints final
Check is calculate agreement
existing client agreement
conducted creditworthiness documentation
data
www.compuscan.co.za
16. CompuScore A
(Application Bureau Score )
• Bureau loan application scorecard
• 3 digit score used as a credit risk
assessment tool to predict the
probability of payment default at
acquisition stage
• Takes all aspects of CPA, NLR, CS
loans, credit history and both
positive and negative information
into consideration
• Predicts probability of a default
occurring in 12 months of an
account opening
• Predicts acceptance rate at a
particular score cut off
www.compuscan.co.za
17. Codix
• Takes your business rules into account
for each loan product
• Is calibrated to your data
• Automatically filters through credit
bureau information
• Displays a concise summary with
recommended actions
www.compuscan.co.za
19. Codix Lite in a Nutshell
• Codix Lite is a scoring solution for smaller
or emerging unsecured loan providers.
• Codix is calibrated to your data, but with
Codix Lite the calibration process is
performed on a random industry sample
(of NLR accounts with terms between 1-6
months) and not on your own loan book.
www.compuscan.co.za
20. Compuscan IT
Customer Management:
Proloan: Proloan provides you with a complete loan servicing, management, tracking
and collection software platform to manage the entire loan cycle.
Compuloan: Compuloan is an enhanced loan management system offering a
centralised database linking all your business branches which allows for a range of
reporting options.
Both Proloan and Compuloan are NCR compliant, integrated into various payment
gateways, submits data to NLR/CPA , statistical compliance reporting etc.
Credit Life Insurance: Compuscan, in collaboration with various credit life
providers, offers you Credit Life Insurance which takes care of any outstanding debt the
borrower/policy holder may leave behind.
www.compuscan.co.za
21. Compuscan IT
Customer Management:
Biometrix: We offer integrated solutions for customer and employee identification and
verification in the form of biometric applications which provides your business with the
highest security and best possible solution to keep track of your borrowers.
CompuWatch: CompuWatch gives you the power to monitor your debtors’ movements
throughout the credit industry and be alerted to changes to their credit profile in
real-time.
CompuScore B: CompuScore B is a Behavioral score used in the ongoing management
of customers throughout their credit life-cycle.
www.compuscan.co.za
22. Proloan
Proloan manages the entire loan cycle and ranges from capturing new business to
performing collections on outstanding loans.
Functionalities include:
• Utilises biometrics to identify applicants
• Capturing of new business
• Integration with Compuscan Credit Check
• Generates all documentation
• Communicates with clients regarding payment
• Performs collections on outstanding loans
• Generates management reports
• Integrates with Credit Life Insurance
• Modularised
• SMS and bad debt module
• Payroll collections exporter
• Integrated into:
• ALLPS- Fully integrated
• Inso123 – Fully integrated on Individual Payment Instructions
• Realpay – Fully integrated
• NuPay - Loan Creations, Nupay Batch Receipt Processing
www.compuscan.co.za
23. CompuLoan
CompuLoan, Compuscan’s advanced loan management system provides a centralised
database, linking all your branches which allows for a range of reporting options.
Functionalities include:
• Centralised database
• Origination module
• Advanced reporting
• Ensures NCR compliance
• Enhanced security features
• Provides detailed loan history
• Flexible loan product management
• Bad debt management functionality
• Numerous integrations including bureau, biometrix and ALLPS
• Automated cost and interest rate calculator
• Supports single cash box and multiple pay points
• Audited accounting system
• Supports multiple loan products
• Schedule batch receipts
• User friendly interface
www.compuscan.co.za
24. Credit Life Insurance
Protect the credit you extend.
• Protect borrowers from unforeseen events
• Earn commission
• Increased profitability
• Amount of the policy matches the loan
balance – ensuring the loan will be repaid
in full
• Offered by Compuscan in collaboration
with Real People
www.compuscan.co.za
25. Biometrix
Identity theft costs the South African economy around
R1 billion each year. By making use of
our integrated solutions for customer and employee
verification you can be confident in the knowledge that
your business will not be identity theft’s next victim.
Benefits include:
• Know Your Clients
• Enhance Your Security Levels
• Combat Fraud
• Improve Efficiency
• Easily Integrated
• Cost-Effective
www.compuscan.co.za
26. CompuWatch
Monitor your debtors’ movements
in the credit industry.
1. Submit debtor file to Compuscan
run against defined HIT rules
2. Matches returned in pre-arranged
format.
3. Non-HITs loaded on Trace
database for real-time monitoring
through CompuWatch: Alert &
Triggers
4. Hits returned & removed from
Trace. Additional debtor files
added
www.compuscan.co.za
27. CompuScore B
• A behavioural score for use in
the ongoing management of
customers throughout credit
life cycle.
• Developed to predict ongoing
default risk in a 12 month
outcome period.
• Development sample was
created using customers
having open CPA and NLR
accounts at specific
observation points.
www.compuscan.co.za
28. Compuscan IT
Collections:
Trace Services: With Compuscan’s up-to-date
consumer data and powerful trace and alert tools you
can take early action by tracing, monitoring and
locating debtors.
CompuScore C: CompuScore C was developed to
predict the probability of receiving payment on overdue
accounts based on key performance indicators on the
Compuscan credit bureau.
www.compuscan.co.za
29. Trace Services
Locate consumers quickly and easily with Compuscan’s Trace Services which
provides updated consumer identity and contact information. This information
can be received via batch or through Compuscan’s advanced online Trace
application.
Consumers not found on the system can be loaded onto a real-time Watchlist
service that will immediately notify credit providers when any new contact or
public domain information is received, allowing them to take immediate action.
www.compuscan.co.za
30. CompuScore C
• Indicates the probability of
receiving payment on accounts
overdue based on bureau
performance variables.
• Built for collection books across
industry types.
• Overlays collection probably with
balance due to set collection
priority.
• Automated process to receive
file, add score & deliver output.
www.compuscan.co.za
31. Skills Training:
Compuscan Academy (CSA), established in 2004, is the sister company of Compuscan, a
South African based credit bureau.
We specialise in the following three training areas:
• Credit & Microfinance Skills Training
• Business & Personal Development Training
• Personal Computer Skills Training
Our services include the following:
• Design & Development of Training Programs: CSA has an in-house research and
development department responsible for design and development of all our skills training
programmes. We strive to offer a customised solution and believe it is often the most
effective.
• Skills Development Consulting Services: We assist companies to identify existing skills
in their organisations and any skills needs. We then put in place training interventions to
address identified skills gaps.
www.compuscan.co.za
32. Accreditations
Accredited with BANKSETA
• Registered Qualification: National Certificate in Micro Finance (Level 3)
• Registering Qualification: National Certificate in Micro Finance (Level 4)
• Registered various skills programmes & short courses in credit / micro-finance and
business skills
Accreditation with Institute of Credit Management (ICM)
• Delivering National & Advanced Certificates in Credit Management
National Credit Regulator (NCR)
• Delivering Debt Counselling Training
www.compuscan.co.za
33. Thank you for your time.
Any questions?
www.compuscan.co.za
Compuscore Bcan be used for the on-going management of customers throughout their credit life-cycle. Ultimately it was developed to predict the on-going default risk in a 12 month outcome period which allows credit providers to constantly monitor the risk of debtors and take appropriate action.
