spocto's unique machine learning algorithms & artificial learning which provides solution to create persona. spocto analytics has improved the Contact Rate, Debt Collections and Non Performing Asset Management for a leading Bank in India

1. TM
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2. TM
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ABOUT SPOCTO
Who are we?
A Big Data Analytics Company focused on ‘Individual Consumer Data driven Insights’ on
mass scale to significantly enhance effectiveness of business and marketing actions. We
provide unique tailored solutions to each client as compared to offering a standard
package.
What makes us unique ?
Our proprietary algorithms apply machine learning to multiple digital touch-points of 200+ million
individual persona sourced from 47+ data sources, and continually curate them to keep it “LIVE”.
Thereon, we use trademarked predictive artificial intelligence to draw insights and provide specific
recommendations. These unique capabilities allow us to enrich persona data from public
domain with not only demographic, but also behavioral & psychographic information on a
hyper-personalized scale.

3. SPOCTOFYING THE DATA
THENEED |THESOLUTION |THE PROCESS
INSIGHTS
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ACTIONABLESPERSONACURATEORGANIZE

4. DATA DEPTH - DEMOGRAPHICS
AGE FAMILY
STATUS
GEND
ER
LOCATIO
N
NATIONALIT
Y
T
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5. DIGITAL
TOUCHPOIN
TS
DATA DEPTH - BEHAVIOR
OTHER
TOUCHPOIN
TS
PREFERRED
TIME OF
TOUCHPOINTS
EMPLOYEMENT
DETAILS
DATA
SHARING
HABIT
T
M
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6. DATA DEPTH - PSYCHOGRAPHIC
ATTITU
DE
INTEREST OPINIO
N
WORK FAMILY THEMSELV
ES
HOBBI
ES
FASHION SOCIAL
ISSUE
EVENT
S
COMMUN
ITY
POLITI
CS
VACATIO
N
FOOD &
BEVERAGE
EDUCATIO
N
ENTERTAINME
NT
RECREATIO
N
PRODUC
TS
T
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7. SPOCTOLOGY - 9 CATEGORY SOURCES
THE EDGE THAT DEFINES US
DOCS
XLS, PDF, CSV, Email, Word,
HTML,
Plain Text, XML, JSON etc.
MEDIA
Images, Videos, Audios, Flash,
Live Streams, Podcast, etc
DATA STORAGE
SQL, NoSQL, Hadoop, Doc
Repository, File Systems,
etc
BUSINESS APPS
Marketing Automation, CRM, ERP, HR,
Google Docs, Intranets, Portals, Expense
Management, etc
PUBLIC WEB
Government, Weather, Traffic,
Census, Wikipedia, IMDB, Public
Finance Stock, etc
SOCIAL MEDIA
Twitter, LinkedIn, Facebook, RSS,
YouTube, Quora, Blogs, Slideshare,
Flickr, Instagram, Snapchat etc.
MACHINE LOG DATA
Event Logs, Server Data, Applications Logs,
Business Process Logs, Mobile Location,
Mobile App Usage, Clickstream Data, Audit
Logs, etc
SENSOR DATA
Fitness Devices, Car Sensors, Road
Cameras, Satellites, Processors in
Vehicles, Video Games, Cable
Boxes, etc
PUBLIC ARCHIVES
Scanned Documents,
Statements, Forms, Paper
Archives,
Public Records of
Customers, etc
T
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8. MULTI-SOURCE, BIG & SMALL DATA
Multiple-sources
of data - may
require big data
platforms
Connection of data
sources for holistically
understanding
attitudes and
behaviors
phone number
Triangulation of
multiple data sources
to connect story
Actionable insights
may be more
inferential than exact
phone number
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9. The preceding is intended to
outline our general product
direction. It is intended
for information purpose only, and
may not be incorporated into any
contract. It is not a commitment to
deliver any material, code, or
functionality, and should not be
relied upon in making purchasing
decisions. The development, release,
and timing of any features or
functionality described for spocto’s
products remains at the sole
discretion of spocto.
WE TAKE DATA PRIVACY VERY SERIOUSLY
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10. WHY US?
 When it comes to debt collection and skip tracing, internet is a boon. The amazing amount of
information available, makes it a preferred way to gather intelligence on a person.
 With the explosion of social media sites and proliferation of digital computing devices and Internet
access, massive amounts of public data is being generated on a daily basis.
 After paying the initial instalments, few customers stop paying the further ones. Either they change
their address and phone numbers or stop reverting to all types of communication. The company
cannot recover money from a consumer you can’t find. To collect on a delinquent account, you must
first locate the customer.
 We translate data from non-traditional data sources like their social media profile, browsing patterns,
their phsychography, networks, relationships & behavior into insights about the customer.
 Our trademarked machine learning algorithms curates all the digital/social profiles which are linked
with the respective email id’s. Our AI is designed is such a manner which helps us determining their
public location, connections & employment details.
 Our Artificial Intelligence keeps looking continuously for many such data points on the internet for the
unrecovered debt profiles.

11. ROAD TO RECOVERY TO DRIVE MORE PROFITABLE
COLLECTIONS
A SCORING STRATEGY IS A COLLECTIONS ORGANIZATION’S
BACKBONE:
• With a primitive strategy at play, a collections business cannot
function at its full potential. A sophisticated scoring strategy
however, enables maximum efficiency throughout the entire
recovery cycle.
• An effective scoring strategy acts as a compass, leading you to better
predict which consumers in your debt portfolio have the highest likelihood and ability to pay
The benefits of an effective scoring strategy stretch across the business and allow you to:
• Prioritize inventory to enable smarter decisions throughout the workflow
• Align agent skill with the likelihood of recovery at an individual account level
• Optimize operational efficiency by increasing speed to recovery
• Intelligently allocate fixed and variable expenses

12. CREATING A DATA DRIVEN STRATEGY
A BACKBONE WOULD CRUMBLE WITHOUT
SUPPORT FROM THE MUSCLES THAT
SURROUND IT.
So too would a collections strategy based on
inadequate analytics. Simply put, a strategy is
only as good as the data informing it. With
advanced analytics, you're able to make better
decisions and ultimately find more money quickly,
from the same amount of inventory.
QUARANTINE
YOUR
INVENTORY
SORT YOUR
INVENTORY
WITH YOUR
EXISTING
SCORING
MODELS, IF ANY
IMPLEMENT
SPOCTO DEBT
RECVOVERABILI
TY SCORE
SEGMENT
INVENTORY
INTO
TWENTILES
ASSIGN SKILLED
COLLECTION
AGENTS TO THE
PROFILES

13. IMPLEMENTING A DATA DRIVEN STRATEGY
1) QUARNATINE SPECIALIZED INVENTORY:
Every portfolio contains specialized segments of inventory important to both compliance and recovery.
These should not be included in your general inventory because they require unique collection treatments.
QUARANTINE
INVENTORY
BANKRUPTC
Y
ACTIVE
MILITARY
DECEASED
FRAUD
INCARCERA
TED
DEBT
SETTLEMEN
T
OTHERS

14. 2) ACQUIRE THE SCORE AND RANK YOUR INVENTORY, IF ANY:
On the remaining inventory, you need to score or rank it from the most likely to pay to the least likely to pay
(1-100,000, for example) by using any of your existing credit-based or custom tools, if any.

15. 3) IMPLEMENTING SPCOTO DEBT RECOVERABILITY SCORE ( 1-100 )

16. 4) ASSIGN LOGICAL STRATIFICATION
Once you have your inventory ranked, the key is to group the data for go-forward strategic and profitability
analysis. In collections, you shouldn’t treat accounts at a singular level—you have to bundle accounts
together to scale your strategy. We recommend sorting inventory by twentile, as 5% is the analytical “sweet
spot” for creating intellectual separation of a score value. If you’re dealing with 100,000 accounts, for
example, you’ll draw your first cut-point after the first 5,000 accounts. Doing this exercise refines the
separation of an analytically valued inventory.
BUNDLE ACCOUNTS
SORT INVENTORY
BY TWENTILE AS 5%
IS ANAYLYTICAL
SWEET SPOT

17. 5) ALLOCATE SKILLED COLLECTION AGENTS
Put your highest-skilled agents on your most important accounts, both those in which you’ve
reached a right party contact credit-based or custom tools

18. FUTURE OF COLLECTION: YOUR BUSINESS STRATEGY
BUILT AROUND PREDICTIVE ANALYTICS
.
1) PRIORITZE INVENTORY by propensity to pay
2) MITIGATE RISKS through less calls, less liability
3) INCREASE PROFILABILITY by collecting more, faster
4) IDENTIFY THE BEST ACCOUNTS

19. CASE STUDY SOLUTION

21. We are amazed by the way, spocto is
validating our data. We used to
manually search defaulters on
internet, by not having the means, it
was tiresome & mundane where the
levels of accuracy was also
questionable. With the help of
spocto, not only the accuracy has
touch the sky but also has increased
our throughput with at least 4X.
PERCY MITHUJI
VP - RARD - KOTAK MAHINDRA BANK

22. TERMS & CONDITIONS
Document assumptions
The information given in this proposal has been checked for accuracy and completeness. However spocto Solutions shall
not be liable for any errors or omission. This document does not form a contract or offer to contract, even though it may
be used as the basis for contractual agreement. The proposal is issued to company for the implementation of spocto
Services.
Limitations
spocto LLP reserves the right to vary the contents of this proposal based on further information and clarification
regarding the scope of work, and will provide company with written notification of any such variations. The prices for
Services are given under the assumption that the general terms and conditions of spocto’s standard agreement apply.
All products or company names are used for identification purposes only, and maybe trademarks of their respective
owners. Throughout this proposal response, the term “solution” refers to and is interchangeable with “approach” or
“system”. Solution is not intended to contractually bind spocto Solutions to “solve” any issues or problems. It is
intended to express the concept that an approach to the project has been well thought out and is the result of the use
of our products, methods and experience. spocto shall not be obligated in any way with respect to this RFP, to provide
any product or services except as set forth in a final written executed agreement.
Segmentation
Your purchase of product licenses does not require you to award any consulting services to spocto Solutions .
Confidentiality
The material contained in this proposal represents propriety, confidential information pertaining to spocto products and
methods. By accepting this proposal, The Times Of India hereby agree that the information in this proposal shall not be
disclosed outside of <<Customer Legal Entity Name>> and shall not be duplicated, used, or disclosed for any purpose
other than to evaluate this proposal internally. Neither this document nor its content may be copied or distributed
outside <<Customer Legal Entity Name>> without the prior written consent of spocto Solutions .

23. THANK YOU!
HELLO@SPOCTO.COM
WWW.SPOCTO.COM
Bridging Gigabytes
ToGigasmiles......
TM
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