Social scoring, i.e. checking creditworthiness based on data from social networking sites, may soon spread on the Polish market. There has already been a credit platform (Akredo.pl) that offers such opportunities, but banks are still not reaching for this method of collecting information about potential customers, Puls Biznesu (PB) daily said on Friday.
The banks, asked by PB, said they do not use social media in the credit process yet as there is not enough added value. Among others, this was the answer given by the Pekao press office. ING does not consider such a solution, mBank does not comment on the matter. PKO BP is considering using social media to assess creditworthiness. However, this requires the integration of the offer with e-commerce channels and building integrated customer experience.
The experts say social scoring may be an efficient tool in the Polish market due to the popularity of social networking platforms.
