Understand the creditworthiness of your loan applicants and optimise your debt collection process with automatic phone call analysis
Speech audio is a cheap, easily available data source that can be used to score thin-file borrowers as well as debtors in both developing and developed markets, unlocking a huge market opportunity.
Phone calls contain hints on applicants' background, character and emotional state that help you get your credit scoring decisions right, thus improving lending returns. Toneboard uses speech analytics to identify these hints.
Millions of people around the world have limited access to credit markets due to no credit history or official proof of income. Using speech data for assessing risk provides a way of serving these customers while earning good returns.
Toneboard provides the data you need to conduct highly targeted marketing or debt collection campaigns. Limit your marketing spend to customers likely to convert and limit debt collection to borrowers unlikely to repay.
At Toneboard we want to solve the problem of financial inclusion. More than 2 billion people worldwide have limited access to formal financial services due to lack of reliable credit history or proof of income. Speech analytics will be a crucial step towards solving this problem.
Ex-Head of Finance of Infogram, data visualisation startup. Worked as a consultant for L.E.K. in London. Oxford grad.