for the consumer in the affiliation of MFIs with banks? For example, in the fact analyzing and adjusting that a bank may refuse to issue a consumer loan and suggest turning to its own MFI?
— We pay serious attention to affiliation. From a technological point of view, it is convenient. If there are related structures that often use the same scoring model, it is possible to calculate the level of the client’s creditworthiness and decide whether to issue him a loan from a bank or send him to an MFI. This is a positive aspect.
The negative aspect is that the borrower
May not fully understand who he is borrowing money from. When redirecting him to an MFO, the bank must very clearly, before signing the agreement, explain that the person is not taking a loan from a bank, what the rate will be and what the repayment terms will be.
Fundamentally important for us that banks
together with their affiliated “younger brothers”, do not bypass regulation. Here we proceed from the fact that banks, in the group of which MFIs are included, must comply with group chatfuel is a chatbot building requirements for capital, standards and the risk management system. As practice shows, this works well: the practice of “redirection” has not become widespread.
— Is the MFI market in for a series of mergers and ao lists acquisitions? Could it eventually come down to ten to twenty companies instead of a thousand? It would be much easier to regulate such a market.