Uhlolojikelele
I-AI ekubhaleni ngaphansi kwekhredithi isebenzisa ukufunda komshini ukuze inqume ukuthi ubani othola imali ebolekiwe, ngenani lenzalo, nokuthi malini, ngokuvamile eshesha futhi esebenzisa idatha eningi kunamakhadi esikolo avamile. Kubalulekile ngoba lezi zinqumo zilolonga ukufinyelela emalini ebolekiwe, amakhadi, kanye nezimali zamabhizinisi amancane, futhi zithwala ukulunga kwangempela kanye neziteki ezingokomthetho.
I-AI ku-Credit Underwriting isebenza i-AI ezindaweni eziqondene nesizinda lapho imithethonqubo, ukusebenza, kanye nokubekezelela ubungozi kulolonga ngokunamandla ukukhetha kwedizayini.
I-Deep Dive
Amashumi eminyaka, ukuboleka bekuncike emakhadini amaphuzu alula kanye nezikolo zesitayela se-FICO ezakhiwe kusukela kumlando we-credit-bureau. I-AI inweba lokhu ngokungenisa okunye okuguquguqukayo okuningi, okufana nedatha yokuphuma kwemali evela kuma-akhawunti asebhange, imilando yokukhokha, futhi ngezinye izikhathi enye idatha, ukubikezela amathuba okuzenzakalelayo ngokunembe kakhudlwana. Lokhu kunganweba ikhredithi kubafaki bezicelo 'abanamafayili amancane' abanomlando omncane wendabuko. Kodwa futhi kuphakamisa ubungozi obungathi sína: amamodeli angafunda ukubandlulula ngommeleli, lapho isici esifana nekhodi ye-ZIP simelela ubuhlanga, ukwephula imithetho yokubolekisa ngokufanelekile njengomthetho we-U.S. Equal Credit Opportunity Act. Abalawuli badinga ababolekisi ukuthi banikeze abafake izicelo izizathu eziqondile zokuphika (izaziso zesenzo esibi), ngakho amamodeli afiphele 'ebhokisi elimnyama' abhekana nengcindezi yokuthi achazeke. Umphumela uba inkambu lapho ukunemba kufanele kuhambisane nokungenzeleli nokungafihli lutho.
I-Technical Insight
Amamodeli okubhala ngaphansi abikezela amathuba okuzenzakalela, ngokuvamile asebenzisa ukuhlehla kokuhleleka kokutolika noma izihlahla ezithuthukisiwe ngokunemba. Amathuluzi achazayo afana ne-SHAP achaza isinqumo ezicini ezithile ukuze ababolekisi bakwazi ukukhiqiza izizathu zesenzo esibi ezidingekayo ngokomthetho. Ukulunga kuhlolwa ngamamethrikhi aqhathanisa ukuvunyelwa namazinga amaphutha kuwo wonke amaqembu avikelwe, futhi ukuhlaziywa 'komthelela ongafani' kuhlaba umkhosi ukucwaswa kommeleli. Amamodeli aqinisekiswa ukuze azinze futhi aqashwe ukuze angahambi njengoba izimo zomnotho zishintsha.
Ukufundisa i-AI ku-Credit Underwriting
I-AI ekubhaleni ngaphansi kwekhredithi isebenzisa ukufunda komshini ukuze inqume ukuthi ubani othola imali ebolekiwe, ngenani lenzalo, nokuthi malini, ngokuvamile eshesha futhi esebenzisa idatha eningi kunamakhadi esikolo avamile. Kubalulekile ngoba lezi zinqumo zilolonga ukufinyelela emalini ebolekiwe, amakhadi, kanye nezimali zamabhizinisi amancane, futhi zithwala ukulunga kwangempela kanye neziteki ezingokomthetho. I-AI ku-Credit Underwriting isebenza i-AI ezindaweni eziqondene nesizinda lapho imithethonqubo, ukusebenza, kanye nokubekezelela ubungozi kulolonga ngokunamandla ukukhetha kwedizayini. Ukuze wakhe ukuqonda okujulile, phatha i-AI ku-Credit Underwriting njengemodeli yokusebenza, hhayi isici esisodwa: chaza imiphumela efiselekayo, ucacise ukucabanga, futhi uhlukanise lokho uhlelo olungakwenza ngokwethembeka kulokho okusadinga ukwahlulela kochwepheshe.
Empeleni, amaqembu aqinile asebenzisa i-AI ku-Credit Underwriting aqondanisa amandla obuchwepheshe nenqubomgomo yesizinda, ukucwaningwa kwamabhuku, kanye nokuthatha izinqumo okuphambili. Babhala imibandela yempumelelo ecacile, ukuhlola okuqhathaniswa nedatha engokoqobo nokugeleza komsebenzi, futhi baphindaphinde ngokusekelwe kumaphethini okuhluleka aqashiwe esikhundleni sokuwina kwebhentshimakhi yesikhathi esisodwa. Yilapho ukuqonda kwethiyori kuguquka kube amandla ahlala njalo kuwo wonke umkhiqizo, inqubomgomo, kanye nokusebenza.
Umongo womkhakha unquma ukuthi imibono ye-AI iyasinda yini ekuxhumaneni neqiniso. Ngesikhathi esifanayo, izimfuneko Zokulawula zingenza ama-prototypes aqine ngenye indlela. Indlela eqine kakhulu iwukuhlanganisa isivinini sokuhlola nesiyalo sokuphatha: qhuba abashayeli bezindiza, bamba ubufakazi, ushicilele amalogi ezinqumo, futhi ubuyekeze izivikelo ngokuqhubekayo njengoba imodeli yokuziphatha, okulindelwe ngabasebenzisi, kanye nezimfuneko zokulawula zishintsha.
I-Strategic Impact
Umongo womkhakha unquma ukuthi imibono ye-AI iyasinda yini ekuxhumaneni neqiniso.
Umongo womkhakha unquma ukuthi imibono ye-AI iyasinda yini ekuxhumaneni neqiniso. Ekusetshenzisweni kwekhwalithi ephezulu, lokhu kuhunyushwa emithethweni yokusebenza elinganisekayo, imingcele yobunikazi, nemikhuba yokubuyekeza ephindelelayo ukuze amaqembu akwazi ukukala ukuzethemba esikhundleni sokukala ukungaqondakali.
Imikhawulo yesizinda ithonya izilinganiso zamaphutha ezamukelekayo namamodeli wokugada.
Imikhawulo yesizinda ithonya izilinganiso zamaphutha ezamukelekayo namamodeli wokugada. Ekusetshenzisweni kwekhwalithi ephezulu, lokhu kuhunyushwa emithethweni yokusebenza elinganisekayo, imingcele yobunikazi, nemikhuba yokubuyekeza ephindelelayo ukuze amaqembu akwazi ukukala ukuzethemba esikhundleni sokukala ukungaqondakali.
Ukuthunyelwa okuphumelelayo kuqondanisa amandla obuchwepheshe nokugeleza komsebenzi okuphambili.
Ukuthunyelwa okuphumelelayo kuqondanisa amandla obuchwepheshe nokugeleza komsebenzi okuphambili. Ekusetshenzisweni kwekhwalithi ephezulu, lokhu kuhunyushwa emithethweni yokusebenza elinganisekayo, imingcele yobunikazi, nemikhuba yokubuyekeza ephindelelayo ukuze amaqembu akwazi ukukala ukuzethemba esikhundleni sokukala ukungaqondakali.
Ukuqaliswa Komhlaba Wangempela
Ababolekisi be-Fintech abafana no-Upstart abasebenzisa idatha yemfundo kanye nokugeleza kwemali ukuze bagunyaze ababoleki I-FICO iyodwa inganqaba
Amabhange akhiqiza izaziso zesenzo esibi ezisho izici ezithile ezibangela ukunqatshelwa kwemali mboleko
Abakhiphi bekhadi lesikweletu babeka imikhawulo yomuntu siqu kanye nama-APR ngokusekelwe engcupheni yokuzenzakalelayo ebikezelwe
Ababolekisi bamabhizinisi amancane bahlaziya imifudlana yokwenza imali ebhange ukuze babhale phansi amafemu anamafayela ezikweletu amancane
Amaphethini Okusebenzisa
I-AI ku-Credit Underwriting isebenza
Ababolekisi be-Fintech abafana no-Upstart abasebenzisa idatha yemfundo kanye nokugeleza kwemali ukuze bagunyaze ababolekayo I-FICO iyodwa inganqaba.
Ababolekisi be-Fintech abanjengo-Upstart abasebenzisa idatha yemfundo kanye nokugeleza kwemali ukuze bagunyaze ababolekayo I-FICO iyodwa izokwenqaba Amathimba ngokuvamile athola imiphumela engcono lapho echaza izilinganiso zekhwalithi ngaphambili, egcina indlela yokukhuphuka kwabantu yamacala abucayi, futhi alandelele kokubili izinzuzo zokukhiqiza nezindleko zamaphutha ngokuhamba kwesikhathi.
I-AI ku-Credit Underwriting isebenza
Amabhange akhiqiza izaziso zesenzo esibi ezisho izici ezithile ezibangela ukunqatshelwa kwemali mboleko.
Amabhange akhiqiza izaziso zesenzo esibi ezisho izici ezithile ezibangela ukunqatshelwa kwesikweletu Amathimba ngokuvamile athola imiphumela engcono uma echaza izinga eliphezulu ngaphambili, egcina indlela yokukhuphuka kwabantu yamacala abucayi, futhi elandelela kokubili izinzuzo zokukhiqiza nezindleko zamaphutha ngokuhamba kwesikhathi.
I-AI ku-Credit Underwriting isebenza
Abakhiphi bekhadi lesikweletu babeka imikhawulo yomuntu siqu kanye nama-APR ngokusekelwe engcupheni yokuzenzakalelayo ebikezelwe.
Abakhipha ikhadi lesikweletu babeka imikhawulo yomuntu siqu kanye nama-APR asekelwe kubungozi obuzenzakalelayo obubikezelwe Amathimba ngokuvamile athola imiphumela engcono uma echaza izilinganiso zekhwalithi ngaphambili, egcina indlela yokukhuphuka yabantu yamakesi asemaphethelweni, futhi alandelele kokubili izinzuzo zokukhiqiza nezindleko zamaphutha ngokuhamba kwesikhathi.
I-AI ku-Credit Underwriting isebenza
Ababolekisi bamabhizinisi amancane abahlaziya ukusakazwa kokwenziwe ngamabhange ukuze babhale phansi amafemu ngamafayela ezikweletu amancane.
Ababolekisi bamabhizinisi amancane abahlaziya izindlela zokuthengiselana ngamabhange ukuze babhale phansi amafemu anamafayela esikweletu amancane Amaqembu ngokuvamile athola imiphumela engcono lapho echaza izinga eliphezulu ngaphambili, egcina indlela yokukhuphuka kwabantu yamacala abucayi, futhi alandelele kokubili izinzuzo zokukhiqiza nezindleko zamaphutha ngokuhamba kwesikhathi.
Izingozi & Guardrails
Izidingo zokulawula zingenza ama-prototypes aqine ngenye indlela.
Idatha yomlando ingase ihlanganise ukuchema okulimaza imiphakathi ethile.
Izinhlelo zefa zingakha izithiyo zokuhlanganisa kanye nezindleko ezifihliwe.
Ukuqalisa Umhlahlandlela
Bandakanya ochwepheshe besizinda kusukela ekufakeni inkinga kuye ekuhlolweni.
Bandakanya ochwepheshe besizinda kusukela ekufakeni inkinga kuye ekuhlolweni. Phatha isinyathelo ngasinye njengesango lobufakazi: uma imibandela ingafinyelelwa, misa ukukhishwa, vala igebe, bese unweba ukusetshenziswa.
Dizayina izindlela zokuhlola kanye nemibhalo ngaphambi kokwethulwa.
Dizayina izindlela zokuhlola kanye nemibhalo ngaphambi kokwethulwa. Phatha isinyathelo ngasinye njengesango lobufakazi: uma imibandela ingafinyelelwa, misa ukukhishwa, vala igebe, bese unweba ukusetshenziswa.
Qinisekisa ukuthobela imithetho nokuphepha kusenesikhathi.
Qinisekisa ukuthobela imithetho nokuphepha kusenesikhathi. Phatha isinyathelo ngasinye njengesango lobufakazi: uma imibandela ingafinyelelwa, misa ukukhishwa, vala igebe, bese unweba ukusetshenziswa.
Khipha ngezigaba ngemibandela yokumisa ecacile neyokubuyisela emuva.
Khipha ngezigaba ngemibandela yokumisa ecacile neyokubuyisela emuva. Phatha isinyathelo ngasinye njengesango lobufakazi: uma imibandela ingafinyelelwa, misa ukukhishwa, vala igebe, bese unweba ukusetshenziswa.