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Traditional channels for obtaining credit, with their standardized, depersonalized procedures, are not always perfectly in tune with the rapid evolution of lifestyles and careers. Operators are beginning to realize this fact. The company Agata wanted to implement online lending model that pairs borrowers and investors without intervention from traditional institutions. To master these challenges Agata chose SAS Institute. Agata deployed SAS Text Miner, SAS Credit Scoring and SAS/OR. With these solutions prospective borrowers obtain significant funding without relying on just one source; risk mitigation enhanced by factoring intelligence from unstructured data into scores.
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