DQE x mobile.club Success Story

mobile.club

By qualifying customer data collection with DQE, Youdge has boosted subscription to credit offers from its financial partners

Launched in April 2018, mobile.club is revolutionizing the way people use their smartphones by offering rental products, with or without commitment starting at €9.90 per month. With the ambition of building a more sustainable consumption, the entire mobile.club smartphone fleet is refurbished, and its packaging is recyclable.

DQE has been integrated into our scoring engine for almost a year. Over the period, we have halved the fraud rate and maintained it at the lowest level, while our customer base has more than doubled.

Olivier Thierry

Co-founder and CTO - mobile.club

Use case

Issues

Since its creation, mobile.club has attracted tens of thousands of individual customers and a hundred or so corporate customers. Its cell phone rental business is, however, exposed to a risk of fraud, particularly in terms of voluntary unpaid bills. Since its launch in 2018, mobile.club has developed a scoring engine to better identify fraud risks at the registration and order stages. Olivier Thierry, co-founder and CTO of mobile.club explained “The machine learning of our scoring model is constantly being optimized with new data. We needed to feed it with new data points, in particular reliable data on postal addresses and mobile lines.” The difficulty in enriching the model with this type of data was that tapping into open data to find it represented a huge task, with uncertain results.

Solutions

Contacted by DQE, Olivier Thierry appreciated the quality of the exchange and decided to test the DQE solution in the scoring model of mobile.club. He explained, “The test of the DQE solution in our scoring engine was successful. It confirmed the added value of DQE: enriching our scoring model with qualified, structured, and normalized on-demand data.”

The mobile.club team also appreciated DQE’s assessment of its needs and its technical support in integrating the solution into its scoring engine. From now on, DQE will help feed the mobile.club engine with data points on postal addresses and mobile lines used by customers.

Results

Optimization of the scoring engine

DQE allows mobile.club’s scoring engine to integrate new data segments such as the verified address of subscribers, the type of operator and the activity of their mobile line. “In Machine Learning, the more data you have, the better it is to optimize the model,” explained Olivier Thierry. “The additional data points provided by DQE help our Machine Learning engine learn and enhance the scoring.”

The mobile.club engine is now able to monitor the day-to-day risks by type of fraud thanks to all the data points at its disposal.

Lowest fraud rate

DQE-qualified data is one of the major data points in the decision tree that mobile.club’s engine uses to decorrelate risky profiles from those that are not. The results are clear in terms of the fight against fraud: “DQE has been integrated into our scoring engine for almost a year. Over the period, we have halved the fraud rate and maintained it at its lowest level, while our customer base has more than doubled.”

Scoring solution ready for export

mobile.club continues to expand in Europe. However, each country has its own scoring model, especially in markets with credit scoring models. “Standardized and normalized on demand, DQE-qualified data can be adapted according to the constraints and will help us aggregate new credit-scoring models in our engine,” noted Olivier Thierry.

Another benefit of DQE’s Data Quality is the availability of reliable postal addresses in all countries to ensure the delivery of rented mobile phones. DQE thus supports mobile.club’s international development in several ways.