In terms of wider use of remote services, banks remembered about the exotic ways ratings, such as psychological testing. To implement this tool is in the plans of Alfa-Bank, Absolut Bank is already conducting testing in pilot mode. New scoring methods can improve the accuracy of risk assessment, experts say, and, therefore, helps to determine the interest rate. But the effectiveness of psychokring until proven.The largest of the private banks — alpha Bank — decided “in the future” to implement “scoring emotion”. The Bank announced its reporting under RAS for the first quarter. “In the long term — the introduction of more complex technologies, for example, scoring on the emotions,” it said.Alfa-Bank did not comment on this information. In reporting does not specify the year to which the Bank is planning to implement this method. Despite the fact that the “scoring emotion” hardly anyone heard it, it somehow might be related to methods of scoring, given the psychographic methods, experts say. In March of this year, Absolut Bank in a test mode launched the scoring with the psychological metrics in the field of car loans. Given the nature of borrowers, the Bank plans to identify the most creditworthy of them. As told “” managing Director Absolut Bank Anton Pavlov, a behavioral test similar to the questionnaire where there is no “right” or “wrong” answers. “The point is to understand whether a person is willing to pay for the loan or he knows he will not be able to pay, but deliberately deceiving the Bank”,— said Mr. Pavlov. With its help it is possible “to give people without a credit history to access financial products on the terms they deserve,” he adds.In 2017, the mass introduction of scoring of borrowers by 2018, the number of psychometric models announced Sberbank. “If people laykaet prison rosary and “Vladimir Tsentral”, it is unlikely that he should immediately approve the loan is likely to once again have something to watch,” said the now first Deputy Chairman of Sberbank Alexander Vedyahin. By the time the psychological test were offered and those who want to get the card installment “Paste” in Sovcombank. The savings Bank and Sovcombank, declined to comment. The introduction of psychokring in the same year tested and Tinkoff Bank, but “the pilot showed that this approach generally works, but does not wow-effect”.Among stop-factors and the duration of the assessment procedure, says marketing Director of NCB Alexey Volkov. 10-15 minutes will have to spend to the client to complete the questionnaire, and by today’s standards this is a significant disadvantage, he said. Bankers confused and that they had not received the results of the effectiveness of this scoring to evaluate borrowers. It is noted in VTB �� Bank “Saint-Petersburg”. Raiffeisenbank does not consider the introduction of psychokring for fear to complicate the lives of customers because they have to spend up to half an hour to complete the questionnaire. In PSB has explored the possibility of psychoscience, but decided not to use this method.”This allows you to increase the level of approval for loan applications and to more accurately determine the rate on the loan for each client,” she says. Such scoring is used in Russia and abroad in product development, sales, risk management, collecting overdue debts.How directly emotional or psychological part will be to add precision, while not obvious, indicates senior Manager Deloitte Denis Gavrilin. According to MS Rakova, depending on the planned volume of implementation and the current status of the Bank the cost of psychokring can range from several millions to several tens millions roubles. In the absolute-Bank, for example, reported that the pilot costs will not exceed 70 rubles per one test case. A new wave of interest in psychokring now arose because “there was a new reality with a coronavirus,” says the head of the practice of risk management SAS Alexander Kurichev.Olga Cherenkova works antivirus deferral of payments on creditability next
