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Upstart, a leading AI lending marketplace, has launched Recognized Customer Personalization (RCP) to allow banks and credit unions to offer customized loan solutions to their existing customers. More than 20 lenders have already adopted RCP, enabling personalized credit offers tailored to customers' needs. The feature includes instant customer identification, customized credit offers, and the option for lenders to choose between Upstart's AI credit decisioning or their own underwriting models. RCP is currently available for personal loans, with plans for expansion to auto loans and HELOC in the future.
Upstart, un primario mercato di prestiti gestito da intelligenza artificiale, ha lanciato la Personalizzazione per Clienti Riconosciuti (PCR) per permettere a banche e unioni di credito di offrire soluzioni di prestito personalizzate ai propri clienti esistenti. Più di 20 prestatori hanno già adottato il PCR, che consente offerte di credito personalizzate basate sulle necessità dei clienti. La funzionalità include l'identificazione immediata del cliente, offerte di credito su misura, e la possibilità per i prestatori di scegliere tra il sistema di decisione creditizia AI di Upstart o i propri modelli di valutazione. Il PCR è attualmente disponibile per prestiti personali, con piani di espansione verso prestiti auto e linee di credito con garanzia immobiliare (HELOC) in futuro.
Upstart, un mercado líder en préstamos gestionados por IA, ha lanzado la Personalización para Clientes Reconocidos (PCR) para permitir a bancos y cooperativas de crédito ofrecer soluciones de préstamo personalizadas a sus clientes actuales. Más de 20 prestamistas ya han adoptado el PCR, habilitando ofertas de crédito personalizadas que se ajustan a las necesidades de los clientes. La característica incluye identificación instantánea de los clientes, ofertas de crédito personalizadas y la opción para los prestamistas de elegir entre la toma de decisiones crediticias de IA de Upstart o sus propios modelos de evaluación. El PCR está actualmente disponible para préstamos personales, con planes de expansión a préstamos automotrices y líneas de crédito con garantía hipotecaria (HELOC) en el futuro.
AI 대출 시장의 선두 주자인 Upstart가 기존 고객에게 맞춤형 대출 솔루션을 제공할 수 있도록 인정된 고객 개인화(RCP)를 출시했습니다. 20개 이상의 대출 기관이 이미 RCP를 도입하여 고객의 필요에 맞춘 개인화된 신용 제안을 가능하게 했습니다. 이 기능은 즉시 고객 식별, 맞춤형 신용 제안 및 대출 기관이 Upstart의 AI 신용 결정 시스템 또는 자체 언더라이팅 모델 중에서 선택할 수 있는 옵션을 포함합니다. RCP는 현재 개인 대출용으로 제공되며, 향후 자동차 대출 및 주택 자본대출(HELOC)로 확장할 계획입니다.
Upstart, un leader du marché de prêts géré par IA, a lancé la Personnalisation pour Clients Reconnus (PCR) permettant aux banques et aux unions de crédit d'offrir des solutions de prêt personnalisées à leurs clients existants. Plus de 20 prêteurs ont déjà adopté le PCR, permettant des offres de crédit personnalisées adaptées aux besoins des clients. La fonctionnalité comprend l'identification instantanée du client, des offres de crédit personnalisées, et l'option pour les prêteurs de choisir entre la prise de décision de crédit IA de Upstart ou leurs propres modèles d'évaluation. Le PCR est actuellement disponible pour les prêts personnels, avec des plans d'expansion vers les prêts auto et les HELOC à l'avenir.
Upstart, ein führendes KI-gesteuertes Kreditmarktplatz, hat die Erkannte Kundenpersonalisierung (EKP) eingeführt, um Banken und Kreditgenossenschaften zu ermöglichen, individuelle Kreditlösungen für ihre bestehenden Kunden anzubieten. Mehr als 20 Kreditgeber haben EKP bereits übernommen, was personalisierte Kreditangebote ermöglicht, die auf die Bedürfnisse der Kunden zugeschnitten sind. Zu den Funktionen gehören sofortige Kundenidentifikation, maßgeschneiderte Kreditangebote und die Möglichkeit für Kreditgeber, zwischen der KI-gestützten Kreditentscheidung von Upstart oder eigenen Bewertungsmodellen zu wählen. EKP ist derzeit für persönliche Darlehen verfügbar, mit Plänen für eine Ausdehnung auf Auto-Darlehen und HELOC in der Zukunft.
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SAN MATEO, Calif.--(BUSINESS WIRE)--
Upstart (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced the launch of Recognized Customer Personalization (RCP). This new feature of the Upstart Referral Network enables banks and credit unions to present a customized loan offer to their existing customers who are looking for a loan on Upstart.com. More than 20 lenders within Upstart’s network have already opted into RCP.
With this capability, lenders can identify when an existing customer is actively shopping for a loan, offering an opportunity for that lender to expand their relationship by making a compelling offer of credit. Features include:
Instant identification of a lender’s customer and their tradeline status, enabling an immediate and automated response with a customized and branded offer of credit.
Credit offers completely tailored to existing customers, including credit box, risk tolerance, return target, loan size and terms, and geographic focus.
Ability for nationwide lenders to choose between Upstart’s AI-enabled credit decisioning or the institution’s existing and approved underwriting model.
Available today for personal loans with expansion to auto loans and home equity lines of credit (HELOC) in the future.
"Our existing members are our most valuable asset, so ensuring that we are there for them throughout their entire financial journey is a top priority for us,” said Josh Garrison, Vice President, Consumer Lending & Cards, Patelco Credit Union. “By expanding our partnership through Upstart RCP, Patelco Credit Union will be able to meet the needs of our existing members who are looking for affordable credit on Upstart.com."
“RCP will enable us to retain and better serve our existing members,” said Charles Eads, Chief Lending Officer, Abound Credit Union. “This innovative program will allow us to continue to meet the financial needs of our members in the communities we serve, as well as those members who have moved outside of the area.”
RCP is available to lenders on the Upstart Referral Network. With the Upstart Referral Network, qualified personal loan applicants on Upstart.com who meet a bank or credit union’s credit policies receive tailored offers and then seamlessly transition into the lender-branded experience to complete the online application and closing process.
“In the current economic environment, lenders are laser focused on retaining their customers and increasing the lifetime value of those relationships,” said Michael Lock, SVP of Lending Partnerships, Upstart. “RCP enables them to reach their existing customers in a new way, provide more value, and build loyalty.”
Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California, and Columbus, Ohio.
Forward Looking Statements Disclaimer
All forward-looking statements or information on this press release are subject to risks and uncertainties that may cause actual results to differ materially from those that Upstart expected. Any forward-looking statements or information on this site are only as of the date hereof. Upstart undertakes no obligation to update or revise any forward-looking statements or information on this press release as a result of new information, future events or otherwise. More information about these risks and uncertainties is provided in Upstart’s public filings with the Securities and Exchange Commission, copies of which may be obtained by visiting Upstart’s investor relations website at www.upstart.com or the SEC’s website at www.sec.gov.
Upstart has launched Recognized Customer Personalization (RCP) to enable banks and credit unions to offer customized loan solutions to their existing customers.
How many lenders have adopted RCP?
More than 20 lenders within Upstart's network have already opted into RCP.
What are the key features of RCP?
RCP includes instant customer identification, customized credit offers, and the ability for lenders to choose between Upstart's AI credit decisioning or their own underwriting models.
What types of loans is RCP currently available for?
RCP is currently available for personal loans, with plans for expansion to auto loans and home equity lines of credit (HELOC) in the future.
How does RCP benefit lenders?
RCP enables lenders to reach their existing customers in a new way, provide more value, and build loyalty by offering personalized credit solutions.
founded by ex-googlers, upstart is the first lending platform to leverage artificial intelligence and machine learning to price credit and automate the borrowing process. upstart has demonstrated unparalleled credit performance and the industry’s highest consumer ratings. in addition to its direct-to-consumer lending platform, upstart provides technology to banks, credit unions and other partners via a saas offering called powered by upstart. learn more about upstart at https://www.upstart.com/about. find out how to join the team here at https://www.upstart.com/careers!
