{"id":5550,"date":"2019-08-01T13:28:24","date_gmt":"2019-08-01T13:28:24","guid":{"rendered":"https:\/\/digi-entrepreneur.com\/?post_type=startup&p=5550"},"modified":"2019-08-01T13:28:24","modified_gmt":"2019-08-01T13:28:24","slug":"inventure","status":"publish","type":"startup","link":"https:\/\/startup-agenda.com\/annuaire\/startup\/inventure\/","title":{"rendered":"InVenture"},"content":{"rendered":"
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InVenture<\/strong> offre une identite\u0301 financie\u0300re aux populations non bancarise\u0301es gra\u0302ce aux donne\u0301es re\u0301colte\u0301es sur leurs smartphones.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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InVenture est leader sur le marche\u0301 de la technology mobile et l\u2019analyse de donne\u0301es de\u0301die\u0301s a\u0300 l\u2019inclusion financie\u0300re. Plus de 2 millions de personnes ont obtenu des pre\u0302ts via l\u2019application mobile d\u2019InVenture, qui de\u0301livre des services financiers personnalise\u0301s dans les marches e\u0301mergents.<\/p>\n<\/div>\n<\/div>\n

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PRINCIPE ET GENE\u0300SE DE L’OFFRE<\/p>\n

Lors de son expe\u0301rience chez UBS et CITIGROUP, Shivani Siroya, Fondateur d\u2019InVenture, s\u2019est entretenue avec 4 500 petits patrons et entrepreneurs africains afin de comprendre leurs habitudes d\u2019emprunt. Elle constate alors que l\u2019acce\u0300s a\u0300 l\u2019emprunt leur est rendu difficile car les me\u0301thodes d\u2019e\u0301valuation des profils emprunteurs traditionnellement utilise\u0301s par les institutions financie\u0300res n\u2019e\u0301taient pas compatibles avec leur mode d\u2019activite\u0301. Pour y reme\u0301dier Shivani Siroya e\u0301tablit un nouvel algorithme qui e\u0301value les capacite\u0301s de remboursement des demandeurs d\u2019emprunt a\u0300 partir d\u2019informations collecte\u0301es sur leur mobile. InVenture a assure\u0301 sa croissance en levant pour pre\u0300s de 15 millions de dollars (dont 12 en equity). Shivani Siroya pre\u0301voit d\u2019e\u0301tendre les services d\u2019InVenture a\u0300 d\u2019autres pays et de de\u0301velopper une offre d\u2019assurance.<\/p>\n<\/div>\n

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PARCOURS CLIENT FONCTIONNEMENT<\/p>\n

L\u2019algorithme InVenture traite des informations re\u0301colte\u0301es sur le mobile des demandeurs d\u2019emprunts tels que : leurs services de banque mobile, leurs appels passe\u0301s, leurs de\u0301placements ou l\u2019organisation de leur re\u0301pertoire. Par exemple, une personne indiquant le nom et pre\u0301nom de ses contacts aura une plus grande propension a\u0300 rembourser un emprunt. L\u2019analyse est re\u0301alise\u0301e en moins de 5 minutes et lorsqu\u2019une personne passe le filtre de l\u2019algorithme, il peut be\u0301ne\u0301ficier d\u2019un pre\u0302t sans garantie. Enfin, les meilleurs profils qui ont rembourse\u0301 leur emprunt avec assiduite\u0301 sont transmis a\u0300 la Banque Centrale du pays pour qu\u2019ils puissent be\u0301ne\u0301ficier d\u2019une identite\u0301 financie\u0300re et de cre\u0301dits a\u0300 long terme.<\/p>\n<\/div>\n

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EN QUOI EST-CE UNE INNOVATION<\/p>\n

InVenture transforme le secteur bancaire en utilisant smartphone et algorithme d\u2019analyse de donne\u0301es pour bancariser et donner acce\u0300s au cre\u0301dit a\u0300 une population injustement marginalise\u0301e. En effet, depuis les de\u0301buts de son activite\u0301, on constate un taux de de\u0301faut sur les emprunts de seulement 5%. Cette innovation a fait des e\u0301mules dans le monde et depuis sa cre\u0301ation, ce sont plus de 200 millions de dollars qui ont e\u0301te\u0301 pre\u0302te\u0301s en suivant ce mode\u0300le. Aujourd\u2019hui encore plus d\u2019un milliard de personnes qui n\u2019ont pas acce\u0300s au cre\u0301dit posse\u0300dent un smartphone. La solution InVenture se pre\u0301sente donc comme un levier conside\u0301rable de de\u0301veloppement.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

InVenture offre une identite\u0301 financie\u0300re aux populations non bancarise\u0301es gra\u0302ce aux donne\u0301es re\u0301colte\u0301es sur leurs smartphones. InVenture est leader sur le marche\u0301 de la technology mobile et l\u2019analyse de donne\u0301es […]<\/p>\n","protected":false},"author":1,"featured_media":5558,"comment_status":"open","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"jetpack_post_was_ever_published":false},"startup_category":[],"class_list":["post-5550","startup","type-startup","status-publish","has-post-thumbnail","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5550","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup"}],"about":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/types\/startup"}],"author":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/comments?post=5550"}],"version-history":[{"count":0,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5550\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media\/5558"}],"wp:attachment":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media?parent=5550"}],"wp:term":[{"taxonomy":"startup_category","embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup_category?post=5550"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}