Our trademarked psychography based credit scoring application uses deep machine learning with our top-line AI algorithms to analyse customers digital footprints to verify their identities and assesses the credit worthiness along with risk mitigation. We translate non-traditional data sources like social media profile, browsing patterns, online behaviour into insights about the customer's psychography basis Activity, Interest and Opinions (AIO). Any combination of these attributes can be combined to predict the customer's creditworthiness and his credit paying abilities.

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BRIDGING GIGABYTES TO GIGASMILES

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
THE NEED |THE SOLUTION |THE PROCESS
INSIGHTS
TM
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ACTIONABLESPERSONACURATEORGANIZE

4. DATA DEPTH - DEMOGRAPHICS
AGE FAMILY
STATUS
GENDER LOCATION NATIONALITY
TM
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5. DIGITAL
TOUCHPOINTS
DATA DEPTH - BEHAVIOR
OTHER
TOUCHPOINTS
PREFERRED TIME
OF TOUCHPOINTS
EMPLOYEMENT
DETAILS
DATA SHARING
HABIT
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6. DATA DEPTH - PSYCHOGRAPHIC
ATTITUDE INTEREST OPINION
WORK FAMILY THEMSELVES
HOBBIES FASHION SOCIAL
ISSUE
EVENTS COMMUNITY POLITICS
VACATION FOOD &
BEVERAGE
EDUCATION
ENTERTAINMENT RECREATION PRODUCTS
TM
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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
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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
TM
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9. WHY US?
Less than 25% of the population has access to credit. Financial Institutions find it difficult to service them due to lack of
access and no alternate assessment mechanisms.
How do we check the creditworthiness of a person who has no previous credit history?
How do we do it?
 Analyzing digital footprints helps verify not only Demographic parameters, our propriety score evaluates activity,
interests, opinions, personality, values, attitudes, peer ratings, etc.
 We translate data from non-traditional data sources like their social media profile, browsing patterns, their
psychography, networks, relationships & behavior into insights about the customer
 Any combination of these attributes can be combined to predict the customer's credit worthiness and his credit
paying abilities through a spocto Psychometric Credit Score
 This new behavior and psychographic based scoring system enables a new dimension to look into creditworthiness,
creating a larger market for the institutions for bringing the underbanked to mainstream

10. OUR SOLUTION
1. Approve more customers and grow your portfolio responsibly by accurately assessing risk of
new-to-credit and thin file customers.
2. Decrease credit losses through improvements in pre-screen, approval, credit line, pricing and
portfolio management decisions.
3. Reduce fraud rates by automatically clearing your legitimate customers and by focusing on high
risk applicants.
4. Grow your customer base by suggesting new potential customers by creating clusters of the
profiles seeking loan from the bank.

11. SPOCTO’S PSYCHOGRAPHY BASED CREDIT SCORING

13. 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
TM
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14. 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 Bank 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 Bank 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 .
Validity
This proposal and its terms and conditions are valid for 30 days from the date of issue

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