WeLab has developed its own software, WeDefend, designed to enable rapid creditassessment without compromising on accurate pricing. Mr Loong is reluctant to revealdetails, but he does say that WeDefend relies on information provided by the customer as wellas data published online.
WeLab开发了自有软件WeDefend,该软件旨在帮助WeLab在不影响准确定价的前提下快速完成信用评估。龙沛智不愿透露细节,但他明确表示WeDefend依赖于顾客提供的信息以及网上公布的数据。
For instance, information garnered from search engines such as Google and Baidu can help toverify identity. Still, weeding out bad apples is not as simple as counting Facebook friends, hesays: “Thieves and good people both have friends. If a customer is reluctant to sharepersonal information, “they don’t get the money. WeLend, the flagship product, has so farexperienced no fraud on its loan book, although it has encountered fraudulent applicants.
例如,从搜索引擎如谷歌(Google)和百度收集的信息能够帮助验证身份。不过,筛除“烂苹果可不像统计Facebook好友那么简单,龙沛智表示:“盗贼也好,好人也罢,都是有朋友的。如果顾客不愿分享个人信息,“他们就得不到钱。该公司的旗舰产品WeLend虽然遇到过不诚实的申请者,但到目前为止从未被成功骗贷。
In the early days WeLab itself struggled to persuade service providers of its legitimacy: “HongKong is unused to start-ups, Mr Loong says. Without a history landlords were reluctant toprovide premises or banks to open ac¬counts. “You need a one-year trading record, but howcan you [get started and] grow without these things? Mr Loong says.
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