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Credit Risk Modeling Using Non-traditional Data: The Experience of Ping An OneConnect Bank

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Ping An OneConnect Bank (Hong Kong) Limited is a virtual bank that has pioneered the use of Fintech to provide efficient banking services to both SMEs and retail customers. The bank uses innovative credit risk and loan pricing models that rely on big data analytics, including detailed customs data for its small and medium-sized enterprise (SME) customers in the import/export business.

Learning Objective:

The case allows students to:

1.  Evaluate the role of Fintech in enhancing financial inclusion, the relations between traditional banking and Fintech start-ups, and the risk and challenges that Fintech start-ups create for traditional banking

2.  Explain the advantages and limitations of a traditional credit risk model, compared to an alternative credit risk model enabled by big data analytics

3.  Comprehend Hong Kong’s regulatory Sandbox process and the competitive edge given by the Sandbox in the context of Fintech development

Year of Publication: 2021
Ref. No.: 21/708C
Discipline: Finance & Investments
Industry: Banks & Diversified Financials
Country: Hong Kong SAR
Company: Ping An OneConnect Bank (Hong Kong) Limited
Languages: English, Simplified Chinese
Pages of Text: 11