The Applicability of Voice Conversation on Detecting Intentional Loan Default in P2P Lending Industry
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FinTech (Financial Technology) is a series of innovative trends that may change the future direction of the global financial industry. Among them, the Korean P2P lending platform has grown very rapidly, and it has now reached a level where it threatens the secondary financial market. However, as its growth rate has increased, potential risk factors are also increasing. Apart from government legislation to protect and regulate P2P lending, additional measures to reduce the risk of P2P loan accidents have not yet followed the pace of market growth. In this study, we analyzed telephone consultation voices, which have not been applied to P2P loan examination so far, and examined whether they can be used to judge if a borrower will default or not. Experimental results show that the change of pitch frequency and the variance of voice pitch frequency may be reliably confirmed, and that this difference can be used to predict defaults or to determine the default risk.
Abstract
FinTech (Financial Technology) is a series of innovative trends that may change the future direction of the global financial industry. Among them, the Korean P2P lending platform has grown very rapidly, and it has now reached a level where it threatens the secondary financial market. However, as its growth rate has increased, potential risk factors are also increasing. Apart from government legislation to protect and regulate P2P lending, additional measures to reduce the risk of P2P loan accidents have not yet followed the pace of market growth. In this study, we analyzed telephone consultation voices, which have not been applied to P2P loan examination so far, and examined whether they can be used to judge if a borrower will default or not. Experimental results show that the change of pitch frequency and the variance of voice pitch frequency may be reliably confirmed, and that this difference can be used to predict defaults or to determine the default risk.
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