1. The Evolution of
Credit Bureaus
Darryll Robinson
Manager: Fraud and Identity Solutions
@DarryllRobinson
Darryll Robinson

2. A quick introduction – me

3. A quick introduction – me
• Darryll Robinson
– Joburg in South Africa
– Post grad in Biochemistry
– First time to Zimbabwe

4. A quick introduction – me
• Darryll Robinson
• Manager: Fraud and Identity Solutions

5. A quick introduction – me
• Darryll Robinson
• Manager: Fraud and Identity Solutions
• Products, design, client relationships, strategy,
marketing, sales, and, and, and…

6. A quick introduction – company

7. A quick introduction – company
• XDS South Africa
– Just celebrated our 15th birthday
• XDS Group
– XDS Credit Bureau (Nigeria)
– XDSData (Ghana)
– XDS Zimbabwe

8. A quick introduction – company
• XDS South Africa
• 120 staff in Johannesburg, Cape Town and
Durban

9. A quick introduction – company
• XDS South Africa
• 120 staff in Johannesburg, Cape Town and
Durban
• 21 million consumers holding 73 million active
accounts

10. What is a credit bureau?

11. What we are not

12. What we are not
• Blacklisters

13. What we are not
• Blacklisters
• Handbrake to the economy

14. What we are not
• Blacklisters
• Handbrake to the economy
• Recruitment preventers

15. What we are

16. What we are
• Data

17. What we are
• Data
• Risk analysers

18. What we are
• Data
• Risk analysers
• Economy barometer
41.5
14.3
32.4
11.8
Credit status
Current 1 - 2 MIA
3 - 4 MIA Judgement, default

19. Different levels of data
Full sharing
Negative
Public

20. Different levels of data
Full sharing
Negative
Public

21. Different levels of data
Full sharing
Negative
Public

22. How can we help?
• Credit risk

23. How can we help?
• Credit risk
• Identity Management

24. How can we help?
• Credit risk
• Identity Management
• Recruitment

25. Recap

26. • Credit bureaus provide value from data
• The more data that is shared, the better
• There are many areas we can assist
• The possibilities are endless

27. Questions