Insights
The data we build,
explained in the language of finance
RenaAi builds alternative data with its own methodology and connects it to global financial markets. Here we collect pieces that explain how that data is read in finance: an IP finance series written by CEO Byung-Geun Choi, a former fund manager, and an alternative credit scoring and inclusive finance series that explains our joint research paper and essay.
Series
- IP finance series
- 6 pieces
- Alternative credit scoring · Inclusive finance
- 2 pieces
Patent data
IP finance series
Pieces that read patents (IP) in the language of money, bonds, dividends, options and securitization.
View the data assetWhen patents become assets: a fund manager looks at patents
A patent is not a technical document. It is a financial asset with a maturity, dividends and liquidity.
ReadIs a patent "money" or an "asset"?
What money is, whether Bitcoin is money, and where patents stand
ReadA patent is an asset with a maturity: reading patents as bonds
So why does it swing like a stock?
ReadA patent is a dividend-paying asset: reading patents through licensing
But this dividend has no "ex-dividend drop"?
ReadA patent is an option: a call option, premium already paid, that goes to zero at expiry
ReadTrading patents like stocks: Korea's IP finance market, and why RenaAi is entering it
ReadMarket-area data
Alternative credit scoring · Inclusive finance
On the social value of technology that opens credit with market-area data.
View the data assetWhy a thin credit file need not shut you out: how AI credit scoring changes lives
A plain-language guide to "Credit Expansion Opportunities and Inclusive Household Finance," a paper submitted to Finance Research Letters.
ReadClosure is not default: small-business credit scoring and the use of market-area information
Three regularities found in 1,534 Seoul market areas and 117,000+ observations, and the constraints that arise when translating them into credit risk
Read