{"id":82525,"date":"2024-04-09T17:30:24","date_gmt":"2024-04-09T15:30:24","guid":{"rendered":"https:\/\/www.fintonic.com\/blog\/?p=82525"},"modified":"2024-04-10T10:19:01","modified_gmt":"2024-04-10T08:19:01","slug":"openinsights-presenta-affordability-assessment-para-complementar-credit-scoring-data","status":"publish","type":"post","link":"https:\/\/www.fintonic.com\/blog\/openinsights-presenta-affordability-assessment-para-complementar-credit-scoring-data\/","title":{"rendered":"OpenInsights presenta Affordability Assessment para complementar Credit Scoring & Data"},"content":{"rendered":"

Innovaci\u00f3n y Precisi\u00f3n en la Evaluaci\u00f3n del Affordability<\/strong><\/p>\n

OpenInsights, divisi\u00f3n de Fintonic especializada en la intersecci\u00f3n de open banking y riesgo de cr\u00e9dito, ha lanzado un nuevo m\u00f3dulo en su suite de soluciones de Open Banking Data Insights: Affordability Assessment. Este m\u00f3dulo innovador promete establecer un nuevo est\u00e1ndar en la industria de la evaluaci\u00f3n de cr\u00e9dito y sirve de complemento al resto de m\u00f3dulos que ofrece OpenInsights<\/a>. Estos m\u00f3dulos inclu\u00edan Credit Data donde se recoge la detecci\u00f3n y validaci\u00f3n de ingresos, endeudamiento, indicadores de riesgo, etc.<\/p>\n

\"\"<\/p>\n

Affordability Assessment es una herramienta que permite a los prestamistas evaluar de manera precisa y eficiente la capacidad de un solicitante para asumir un pr\u00e9stamo. Esta evaluaci\u00f3n se realiza mediante el an\u00e1lisis detallado de los ingresos y gastos del solicitante, proporcionando una imagen clara y precisa de su situaci\u00f3n financiera. As\u00ed, mediante una visi\u00f3n completa de la solicitud que incluye scoring de cr\u00e9dito, ingresos, endeudamiento, affordability assessment, etc., la financiera toma la mejor decisi\u00f3n posible.<\/p>\n

Detalles del M\u00f3dulo Affordability Assessment<\/strong><\/p>\n

Affordability Assessment incluye un an\u00e1lisis detallado de varios aspectos de los gastos del solicitante, incluyendo:<\/p>\n

– Coste de vivienda: incluye el alquiler y otros gastos.
\n– Servicios del hogar: incluye la electricidad, el gas, la telefon\u00eda y el agua.
\n– Coste de transporte: incluye el combustible, el leasing y el transporte p\u00fablico.
\n– Seguros: incluye el seguro del coche, hogar, vida y salud.
\n– Otros gastos recurrentes.<\/p>\n

Estos detalles permiten a Affordability Assessment proporcionar una evaluaci\u00f3n precisa de la asequibilidad del solicitante que se a\u00f1ade a otros datos muy relevantes que ya se recog\u00edan en el m\u00f3dulo de Credit Data como el endeudamiento u otros datos.<\/p>\n

Es importante destacar que Affordability Assessment es un complemento valioso para otros elementos de la suite de soluciones de Credit Data de OpenInsights, como el Credit Score. Mientras que el Credit Score proporciona una medida de la fiabilidad crediticia de un individuo basada en su historial de cr\u00e9dito, Affordability Assessment ofrece una visi\u00f3n profunda de la capacidad actual del individuo para asumir un pr\u00e9stamo bas\u00e1ndose en su situaci\u00f3n financiera actual. Juntos, estos dos elementos proporcionan a los prestamistas una visi\u00f3n completa y precisa, permiti\u00e9ndoles tomar decisiones de pr\u00e9stamo m\u00e1s informadas.<\/p>\n

Un Futuro Prometedor<\/strong><\/p>\n

En resumen, Affordability Assessment no es solo una adici\u00f3n a la suite de soluciones de Credit Data de OpenInsights, sino el complemento perfecto a la toma de decisiones de los prestamistas a la hora de evaluar el riesgo de cr\u00e9dito de un cliente potencial. Al proporcionar una evaluaci\u00f3n precisa y detallada del affordability, esta herramienta est\u00e1 preparada para mejorar la precisi\u00f3n de las decisiones de pr\u00e9stamo y, en \u00faltima instancia, conducir a un sector financiero m\u00e1s justo y equitativo. <\/p>\n","protected":false},"excerpt":{"rendered":"

Innovaci\u00f3n y Precisi\u00f3n en la Evaluaci\u00f3n del Affordability OpenInsights, divisi\u00f3n de Fintonic especializada en la intersecci\u00f3n de open banking y riesgo de cr\u00e9dito, ha lanzado un nuevo m\u00f3dulo en su suite de soluciones de Open Banking Data Insights: Affordability Assessment. Este m\u00f3dulo innovador promete establecer un nuevo est\u00e1ndar en la industria de la evaluaci\u00f3n de […]<\/p>\n","protected":false},"author":3,"featured_media":82529,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1378],"tags":[],"class_list":["post-82525","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-openinsights"],"yoast_head":"\nOpenInsights presenta Affordability Assessment para complementar Credit Scoring & Data - Fintonic News<\/title>\n<meta name=\"description\" content=\"Affordability Assessment es una herramienta que permite a los prestamistas evaluar de manera precisa y eficiente la capacidad de un solicitante para asumir un pr\u00e9stamo. 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