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creditapp_report@iwlab.ru

1.
1.1
1.1.1
1.1.2
1.1.2.1
1.1.2.2

1.2
1.2.1 (Payday
loans)
1.2.2
1.3 -

1.3.1
1.3.2

9
11
11
14
14
16

2. CreditApp:
2.1
2.1.1
2.2
2.2.1 Use case
2.2.2 -
2.2.3

2.2.3.1
2.2.3.2

29
30
31
32
32
33

www.iwlab.ru 2013
creditapp_report@iwlab.ru

17
17
19
20
20
22

33
33
35

3.
3.1
3.2
CreditApp
3.2.1
3.2.2 email
3.2.3 email
3.3

35
38

4. -
4.1 -
4.2
4.3
4.3.1
4.4

60
62
63
70
70
72

75
79

80

1.

81

2. -

83

3.

87

4.

90

5.

93

6. online payday loans

97

7. ,
-

101

8.

104

9.
-

107

www.iwlab.ru 2013
creditapp_report@iwlab.ru

40
43
46
48
55

, , Interweb Lab, , .
, ,
, ,
.
52,5-55,5 . ,

300 .
. , . 2017 .

, : 60% ,
40% ,
10% ( - 15%)
(PDL). 1

. , . 2013 () 3300 2013.2


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- , , PDL.
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1 (Payday Loans, PDL) - ,


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2

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. , 54% 2017 ,
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.

10

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1.1

1.1.1
:

52,5-55,5

300

3300

. , ,
: , , , , .
, , : 16 . , 3,5 .
. ,
.
2000 . 2010
151 . , , , , , , .
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.
.
, .

3 2013

11

www.iwlab.ru 2013
creditapp_report@iwlab.ru


: 60%
, 40% , 10% ( - 15%) (PDL).
5 -7 .
PDL . . PDL . 0,5 2,5 % . , 2% 730% .
, , PDL ,
. ,

. , PDL, .
54% 2017 .
2017 . 14,8 . .
4,5%.

, ., 2008-2017

12

www.iwlab.ru 2013
creditapp_report@iwlab.ru




,

. 151

, , ,
.
, . 2012
67% , - ( ) - 18%, 15%.


(- , POS- 4 ).
2012 5 . .
14% POS

18,9%

67,1%

, (5 . ), 230 ,
(21,6 . .)
4POS- (POS Point Of Sale) ,

13

www.iwlab.ru 2013
creditapp_report@iwlab.ru

1.1.2
1.1.2.1 :
, , , 2017 -

31-45 .

PDL:

23-25 , 25-40 . .,

- 53% - 31
15-30 /

911

-
,


- , 40-45 ,
,

Jet money


35-40

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, .
- .
.
14

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) , 30 .
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:
35-37 -
38-40 -
) , 5:
32-37 -
35-42 -

1924

1733

5 Morgan & Stout http://www.morganstout.com/news.xml?&news_id=4301

15

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creditapp_report@iwlab.ru

1639
1502
1324
1126
965
787

1.1.2.2

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20-30 . .

23-35

<1 .

20-30 . .

36-54

50 .
,

16

>20 . ..

18-35

>1 .

www.iwlab.ru 2013
creditapp_report@iwlab.ru

1.2
1.2.1 (Payday loans)
Online PDL
PDL, , . 38 , 12 . 780% . - 50 . 2010 .
, ,
.
,
. Pew Research, 80% , 20% . , , .
Payday loans
. 2010 - 10,7 .
- 400%-500%
1 3-
100-400

Online Payday loans


online PDL - 2 .
, 15000% , , PDL, .
- Wonga.com.

17

www.iwlab.ru 2013
creditapp_report@iwlab.ru

payday loans -
, , . 69% , , , , . 16%
- ,
.

69%

16%

, . , .
1-5 , 5-12 . ,
8 $375 $520 .
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, 4-5 ( , $15 $100 ). 73% , 7 .
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.

18

www.iwlab.ru 2013
creditapp_report@iwlab.ru

1.2.2
Grameen Bank, 1983 . ,
95% - . , ,
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12
PDL. -
25 44 .
, , 5 ,

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,


$40000

, :
, $50000 .
, ,
$50000 , .
, :

25-44

40 000$

6 , 64%,
12%.

19

www.iwlab.ru 2013
creditapp_report@iwlab.ru

1.3

1.3.1

2 :
1. PDL

platiza.ru

1 .-10 .

7-30

1% +
10%

mili.ru

500-12 .

3-30

2%/

moneyman.ru

1,5-8 .

5-28

2,5%/

webbankir.ru

1000-15000

1-31

1%/

micro-zaim.ru

500-5000

5-28

10%/

tubra.ru

3000-15000

1-35

2%/

web-zaim.ru

1-35

7-30

47%/,
4 ,
57%/

amiga.ru

500-20,000

7-30

1.8%

ekapusta.ru

100-10,000

1-21

2%

smsfinance.ru

15,000

21

15%

zaimonline.ru

2.000-5.000 ,
10.000

5-20

2%/

smszaem.ru

1,000-9,000

5-14

2,5%/

vivus.ru

500-15,000

1-30

0,4% , 20%/

online PDL - - ()
- 2011 . 2012 .

20

www.iwlab.ru 2013
creditapp_report@iwlab.ru

2. , -
( ,
):

domadengi.ru

migcredit.ru

money-rent.ru

ukcm.ru

aktivdengi.com

migomdengi.ru

mikrob24.ru

bistrodengi.ru

, ,
2013 3300 6.

21

www.iwlab.ru 2013
creditapp_report@iwlab.ru

1.3.2
- 2 :

1. Web-, Online PDL


PDL
, , , .
- Wonga,
.

2007 . PDL .
2012 2.5 . 2011 185
. , - 45,8 .
2007 145 . .
60%.
7, 7%. ,
,
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,
( ).
PDL ,
Wonga 90% (net-promoter score). 50%.
Populus, ,
Wonga:

( Populus):

51%

45%

35%

7 . - . .

22

www.iwlab.ru 2013
creditapp_report@iwlab.ru

Wonga 61,5% , 38,5% .


23,5%
- 180
- 257
- 17

23

www.iwlab.ru 2013
creditapp_report@iwlab.ru

8 :
http://www.checkngo.com
http://www.paydayone.com
http://www.nationalpayday.com
http://www.cashnetusa.com - ( Enova - 2 . 4- )
http://www.speedycash.com
http://www.checkcity.com/default.aspx
https://www.lanemarknad.se
https://www.ferratumgroup.com/product-portfolio
https://www.spotya.com

Zest Finance Vivus, .


6.

2. PDL ,
( )9
, . 10 . . Wonga 10,
10000.
PDL , , , , , - .
5.

8 alexa.com
9 .
10 100-500 000 Android-, 100 000 App Store.

24

www.iwlab.ru 2013
creditapp_report@iwlab.ru


2000- . ,
, , , 2017 .
300 . , 3100.
52,5-55,5 . .
,
, . ,
.

Payday loans
10% - 15% (Payday Loans).
5-7 ,
54% 2017 .
2017 . 14,8 . . 4,5%.

:


,

,
. :
30 . , .

25

www.iwlab.ru 2013
creditapp_report@iwlab.ru

Payday loans
12 . , ,
- 780% .
, , ;
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, .
25 44 . - , :
1.
2. ,
3. -
4. , $40000
5.

(80%
). , . 2010 - 10,7 . , :
400%-500%
1 3-
100-400

online PDL 2 . ,
15000% ( ).
- - , .
, . 1-5 ,
5-12 . , 8 $375
$520 .
, 4-5 . 73% , 7 .

26

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creditapp_report@iwlab.ru

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.
.
online PDL 2011 ,
- 2012 .
.
, - .

27

www.iwlab.ru 2013
creditapp_report@iwlab.ru

CreditApp:

CreditApp:

2.1
,
.
:

Credtiapp -
5 !

Value proposition:


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11 .

29

www.iwlab.ru 2013
creditapp_report@iwlab.ru

. ,
, use case,
, - .

CreditApp:

2.1.1

CreditApp 12:

/

23-38

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( $700).
,
.

Wonga.com
( 7%)

, 18-24
25-34 (
),
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12 .

30

www.iwlab.ru 2013
creditapp_report@iwlab.ru

2.2

CreditApp:

2.2.1 Use case13


:

1. ,
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2. . , .
3. Google Account,
Android.
4. 14, , . .
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10. , 10 .

13 .
14 .
15 VK, Facebook, Odnoklassniki, LinkedIn, , Twitter, Foursquare, Google+ .

31

www.iwlab.ru 2013
creditapp_report@iwlab.ru

CreditApp:

2.2.2 -

c - creditapp.ru.
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2.2.3
2.2.3.1
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3 :
1. .
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2. . .
3. .
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16 , CreditApp sms

32

www.iwlab.ru 2013
creditapp_report@iwlab.ru

CreditApp:

2.2.3.2
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33

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1 , , . ,
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37

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5 :
1.
2.
3.
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5.

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PR- .

38

www.iwlab.ru 2013
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3.2

CreditApp
,
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CreditApp,
5 ,
.

CreditApp

5
CreditApp

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, :
1.
,
2. , ,
3. CreditApp.

39

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.
5- ,
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email

1.
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(CTR), .
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40

www.iwlab.ru 2013
creditapp_report@iwlab.ru

2. email
5 ,
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email . . 5 , .
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41

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5.
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3.2.1
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Google Adwords

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42

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43

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5 - 21.
(, ),
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CTR , 5 . :

ADWORDS

0.02

0.16

1.33

0.5

0.015

0.3

0.25

0.19

0.017

0.03

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http://creditapp.ru/?tagline=1 !
http://creditapp.ru/?tagline=2
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http://creditapp.ru/?tagline=5

44

www.iwlab.ru 2013
creditapp_report@iwlab.ru

3.2.2 e-mail
email. 9%, .
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:

45

EMAIL


! ,
5 .

32%



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10%

14%

www.iwlab.ru 2013
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EMAIL

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46

www.iwlab.ru 2013
creditapp_report@iwlab.ru

3.2.3 email
, ,
.
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email
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1 3 .
7 .

email 27%.
81%,

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22 .

email
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47

www.iwlab.ru 2013
creditapp_report@iwlab.ru

324 :
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2 :

40%

30%

1-2

,
6

2 :

1000

5000-10000

(30%)

(30%)

.

40%

10%

10%

24 , CreditApp.

48

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creditapp_report@iwlab.ru

70%


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.

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.

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25 ,
.

51

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:
(67%) -
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1 .

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52

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70%.
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53

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creditapp_report@iwlab.ru

3.3
:
1.
32.

2. , , .

3. , CreditApp,
. , 43% .
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.

54

www.iwlab.ru 2013
creditapp_report@iwlab.ru

?
21% 6

32% 1-2

11%

11% 3-6

26%

?
16% 1000
21% 3000 - 5000

16% 1000 - 3000

32% 5 000 - 10 000

16% 10 000

?
16%
26%

16%

42%

55

www.iwlab.ru 2013
creditapp_report@iwlab.ru

?
16%
37%

16%

5%
16%
11%

?
21% ,

79%

?
5%

25%

50%

20%

56

www.iwlab.ru 2013
creditapp_report@iwlab.ru

20% , iPhone
65%

15% ,

0% , Android

E ?
32%
37% ,

21%
10%


26% 32-40
42% 26-32

0% 40
32% 18-25

57

www.iwlab.ru 2013
creditapp_report@iwlab.ru


26%
68%

6%

53% /
47%


,
33. , ,
, .

33 / 18-34
, ( $700).
, . CreditApp 3-4 .

58

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, , . , .
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data mining .
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60

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creditapp_report@iwlab.ru

, -, , , .

4.1 -

61

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creditapp_report@iwlab.ru

4.2
,
, .
.

:
k{2}
k{1} -
;


, cash
flow
:

k{3} -


()

p -

D{n} -

D{o} -

F{n} -

F{o} -

w -

f -

B - 1

i - ()
m -
()

62

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3.

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, , ,
, .

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( ):

i - , m - , D(t) -
t ( ), B - 1 , F(t) - ( ), N(t) - .

, , , S2-S1(
).

p - , C(t) - , t.

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, t.
b - .

63

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O(t) - , v -
(, ).

n - . O(t)

r - ( ), d0 - default rate , dn - default rate . :


, . ,

P(t)

4 - t.
64

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Default rate

5 default rate t, .

fn - , f0 - , w - , if - .

65

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l - .


S1(t) - .


S2(t) -

66

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S2 - .

67

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creditapp_report@iwlab.ru

,
, .

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, .
, . , ,
, .

cash flow


3.

68

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creditapp_report@iwlab.ru

4.3
4.3.1
4 :

I.





, facebook
paypal

II.

III.
1. , -

2.
3.
4.
5.

69

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creditapp_report@iwlab.ru

IV.
1.



-
2.



3.
,

4.


5. (Fraud)

4.

70

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creditapp_report@iwlab.ru

4.4
.
.
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2) .

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2.
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162.
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2. , ,
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N 56-11245/2007, 01.07.2008 N 413/08 N 56-44572/2005, - 22.09.2011 N 70-482/2011)
, .

35 ( )
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71

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() :

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2017 , , :


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A Financial Review of the U.S Short-Term Loan Market
Boom Brings Mobile Personal Payments to Unbanked
Former Google CIO Raises $73 Million To Reform Payday Loans With Data-Driven Startup
ZestCash
Kiva (organization)
iPhone app that gives you a 2,700% loan
Wikipedia: Wonga.com
Michael A. Stegman. Payday Lending
Microfinance Market Outlook 2013. High Debt? Low Growth? Not Here!
Mobile banking: Moving beyond microfinance
More middle-class families are seeking payday loans as financial turmoil mounts
PAYDAY LENDING IN AMERICA: Report 2. How Borrowers Choose and Repay Payday
Loans
PAYDAY LENDING IN AMERICA: Who Borrows, Where They Borrow, and Why
Payday loan
Profiting from poverty. NPA payday loan report
THE TRUTH ABOUT PAYDAY LOANS:HOW HARDWORKING COLORADANS TAKE
THE BAIT AND GET CAUGHT IN A CYCLE OF DEBT
Visa
ZestCash is not Good

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2017


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Morgan & Stout

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Payday Loans &


Cash Advance/

1000-5000

Wonga/UK

1-400

100-500 .

30
APR 4214%

+ .

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(6,54%/,36%/
)

1500

APR 819
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100
500
15
APR 4474%
25

93

19,000 iPad

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30, 60, 90

txtloan ( .
etextloans)/UK

94.000 iPhone

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5,000-10,000

3,000 iPhone

LendUp/USA

100-250 3-4
7-30
APR 773,8%
214,13%

Peachy/UK

60-500
30-151

ferratum/UK

APR 1058%

100-300

15 2

7-45

4-

APR 2533%

checktillpayday/ .

USA

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500-1000

Kredito24.pl

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(3000-20,000
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47,3%

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1-30

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30 35%

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online payday loans

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Douglas Merrill - CIO Google
2008 PDL , 2012 -. PDL ( )
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300-800
3-8
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Vivus, Smscredit, Onnen, Onea Zaplo


4Finance Group, 2008 . 65 80% payday loans
.
. 2008 ,
SMScredit. - 201-500.

SMS Credit

218,924

306

2008

470,612

947

2012 7-560

14-30

430,369

1123

70-1400

1-24

633,919

1624

2009
2011

72.5-1450

1-24

653,169

3652

2009

10-600

1-30

917,199

8,037

2010 1.2-600

1-30

636,726

7,665

2012

14.4-720

1-30

183,900

2,071

2012

24-480

1-30

315,499

11,183

2012

12.5-375

1-30

UK

3,495,106

115,303

2012

57.5-690

7-30

VIVUS

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ALEXA

1-30

4%,
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4%,
0,2%

1- 10%,
4%
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6,3%,
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11%,
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6,3%,
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4,2%,
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8,4%,
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Zaplo

Onea/onnen

VIVUS

online payday loans

ALEXA

ALEXA

50-600
2012
2012 300-1500

7-30

2012

2012

600-1800

1-3

74-1110

1-30

1- 10,6%,
4%
1- 10,6%,
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19,149

2,077,202

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