Section one

Partner Glik

What they do, what their sample proved, and what a rejected applicant is worth.

01 · Glik · eligibility outcome · 4 min

Plurall’s data team tested the sample: 60% eligible.

60.2% financeable

How our data team read the file

Glik hands over 57 variables. Only 14 separate one customer from another.

14 decide 43 only describe

And the base splits in two, each separated by a different thing.

6 Population A · no credit history Identity and contactability

8 Population B · with credit history Payment behaviour

Potential disbursement · on Plurall’s own funnel

Batch Glik delivers 1,000 per month

Has an approvable amount 83.0%

Direct to Plurall Webapp 70.0%

Request 41.7%

Approved 57.0%

Sign 28.9%

Average ticket, 12m USD 201

Contracts signed1.4per month

Origination disbursedUSD 683per month, at that ticket

Can be offered credit101per month · clear risk and have an offerable amount

02 · The Glik Ocean · what they actually do · 4 min

The applicants we turn down enter the Glik Ocean, build a payment record with real money,
and come back to Plurall with the data our model needed to score them.

1Four sources feed it — we are one 2GHU turns them into qualified users 3They come back to us via Push or Pull

Plurall · the rejects we do not treat

26,994on our books7,816asked under USD 1560get any treatment

Other financial institutionsTheir rejects, turned down for missing data.

NGOs · foundations · city programmesPeople invisible to credit, exposed to loan sharks, or starting a history from zero.

Users Glik brings inTheir own organic acquisition.

The Glik Ocean

GHU

We make them visible and financeable

Two propositions come out

PUSHWe give them our risk profile and they bring us the qualified lead, already adapted to it.

PULLWe get access to the Ocean and select the users ourselves.

1,563 come backOf the 7,816 we hand over, Glik estimates 65% complete the Ocean and 20% of the total return for us to score again.

03 · What Glik charges · the decision · 4 min

Glik’s pricing proposal

Query packages · all of them add 1% of disbursed origination, plus VAT

Pick a package · the invoice recalculates

Rejects we hand over 7,816

Origination we disburse USD 8,032

1,000 queries at USD 0.94	USD 938
Early-adopter discount, 50%	− USD 469
They buy our rejects 7,816 records at USD 0.016	− USD 122

Invoice	USD 347
1% of disbursed origination	+ USD 80
Total to pay	USD 427

Partner Glik

Plurall’s data team tested the sample: 60% eligible.

The applicants we turn down enter the Glik Ocean, build a payment record with real money, and come back to Plurall with the data our model needed to score them.

Glik’s pricing proposal

The applicants we turn down enter the Glik Ocean, build a payment record with real money,
and come back to Plurall with the data our model needed to score them.