Sarah Kok

Sarah Kok
An experienced project manager, communications specialist and sustainability strategist; passionate about FinTech and the future of finance.
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Recent Posts

How Alternative Credit Scoring can Give Refugees a Second Chance

Aug 7, 2018 / by Sarah Kok

The traditional credit scoring system has long been used as the primary method to rate a person’s creditworthiness. The current rating system is led by a select handful of major credit bureaus and agencies within each country, who hold the power to determine an individual’s credit eligibility. Yet new systems, known as alternative credit scoring methods, make a strong case for providing a fairer and more modern scoring system and are already making huge strides in shaking up the industry.

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Topics: Credit Scoring

Consumer Finance Today: Latest Ebook Release

Jul 12, 2018 / by Sarah Kok

Few industries are transforming as rapidly as the financial industry, with financial institutions striving to gain a competitive edge on their peers. Traditional analog methods are being left behind as industry leaders implement technology to improve speed, efficiency as well as to meet customer needs in an altogether more comprehensive manner. In this fast-paced and unique environment, how can you navigate the market successfully?

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Topics: Compliance (GDPR, PSD2), Lending, AI/ML

Alternative Credit Scoring as a Force for Good

Jun 28, 2018 / by Sarah Kok

An effective digitalisation process creates meaningful change through exciting new areas of technology. Many of the technical benefits of such a shift are apparent, such as better user experiences and faster load times. Technology is transforming economies, pushing companies to adapt and forcing governments to reconsider its implications. But what about the social benefits? What are some of the impacts of digital transformations on society?

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Topics: Credit Scoring

The Future of Tech, Unicorns and the Funnel!

Jun 4, 2018 / by Sarah Kok

Recently, we were lucky enough to present at a local Stockholm event together with PHD Media and Google. The event focused on the topic of the future of technology. For technology nerds like us, this was an excellent opportunity to hear some alternative perspectives on the future.

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Topics: Instantor News

Could your late-night behaviour Impact Your Credit Score?

May 29, 2018 / by Sarah Kok

Using transactional behaviour to calculate your credit score is not a new phenomenon. In fact, in a bid to make credit scoring fairer and more accessible to all, it is one of many alternative methods to traditional credit scores.

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Topics: Credit Scoring

The Future of Banking; digitalisation, tailoring and blockchain.

May 9, 2018 / by Sarah Kok

Back in the day, spreadsheets were enormous sheets of paper, taking up office tabletops, with bankers pondering over them and making meticulous calculations. Then, as computers became the norm, these spreadsheets could fit onto a single screen – and progress has continued exponentially since; to a level where autonomous AI-based solutions can execute whole operations.

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3 Fascinating Alternatives to Traditional Credit Scores

Apr 22, 2018 / by Sarah Kok

Millennials are well known for disrupting the well-established methods of their elders. Are they doing it again with credit ratings?

Assessing creditworthiness through an individual’s credit score has been around for a long time. But for Millennials, this method often doesn’t work because their preference for non-traditional banking solutions, render conventional credit rating methods ineffective.

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Topics: Lending, Credit Scoring