Table 3 Details on type of data collected
| Â | Traditional Bank | Traditional Bank (FinTech) | FinTech (traditional bank) | FinTech | |||
|---|---|---|---|---|---|---|---|
| Â | A | B | C | D | E | F | G |
Transactional | Demographics, assets, income, transactions, product usage, channel usage | Demographics, assets, income, transactions, product usage, channel usage | Demographics, assets, income, transactions, product usage, channel usage | Demographics, assets, income, transactions, product usage, channel usage | Demographics, income, transactions, product usage, channel usage | Demographics, income, transactions, product usage | Demographics, income, transactions, product usage, channel usage |
Relational | Not disclosed | Not disclosed | Lifestyle, habits, preferences | Lifecycle stage, future spending objectives | Lifestyle, habits, preferences | Lifestyle, lifecycle stage, habits, preferences, future spending objectives, extra-financial needs | Lifestyle, lifecycle stage, habits, preferences, future spending objectives, extra-financial needs |
Alternative | Website, e-mails, mortgage simulators | Website, in-app behaviour, third party data | Website, e-mails, other navigation data (cookies), third party data | E-mails, social networks, third party data | E-mails, account aggregation, mobile app, geolocation, other navigation data (cookies), third party data | E-mails, in-app behaviour, in-chat behaviour, other navigation data (cookies), third party data | Account aggregation, e-mails, website, in-app behaviour, in-chat behaviour, other navigation data (Google Analytics), third party data |