Uhlolojikelele
I-AI ekubhaleni ngaphansi komshwalense isebenzisa ukufunda komshini ukuhlola ubungozi nezinqubomgomo zentengo ngokushesha nakakhudlwana kunokubuyekezwa mathupha. Ibalulekile ngoba ingasheshisa ukugunyazwa ukusuka emavikini kuye emaminithini - kodwa futhi iphakamisa ukulunga nokukhathazeka obala.
I-AI ku-Insurance Underwriting isebenza i-AI ezindaweni eziqondene nesizinda lapho imithethonqubo, ukusebenza, kanye nokubekezelela ubungozi kubumbe kakhulu ukukhetha kokuklama.
I-Deep Dive
I-Underwriting iyinqubo yokunquma ukuthi umuntu uzomqinisekisa yini umshwalense nokuthi ngaliphi inani. Ngokwesiko, umbhali wangaphansi uzibuyekezele mathupha izinhlelo zokusebenza, amarekhodi ezokwelapha, umlando wokushayela, namathebula e-actuary. I-AI isheshisa lokhu ngokungenisa izinkulungwane zamaphoyinti edatha - izikolo zomshwalense ezisekelwe kusikweletu, i-telematics (idatha yenzwa yokushayela), isithombe sesathelayithi yendawo, idatha yezempilo egqokekayo, nezimangalo zomlando - ukubikezela amathuba nezindleko zesimangalo esizayo. Izihlahla ezithuthukisiwe ze-gradient (njenge-XGBoost) namamodeli ajwayelekile ajwayelekile ajwayelekile ngoba abalawuli bafuna ukucaciswa. Abadayisi bomshwalensi abaningi manje banikeza 'imibhalo yangaphansi esheshisiwe,' egunyaza izinqubomgomo zempilo ngaphandle kokuhlolwa kwezokwelapha ngokubonisa impilo kusuka kumininingwane egciniwe kadokotela nekhredithi. Inzuzo iwukuhlukaniswa kwesivinini kanye nengozi engcono kakhulu; ingozi ukubandlululwa kommeleli, lapho okuguquguqukayo njengekhodi ye-ZIP kumelela izici ezivikelwe njengohlanga.
I-Technical Insight
Amamodeli okubhala ngaphansi abikezela ukulahlekelwa okulindelekile = amathuba esimangalo x ubukhali besimangalo. Abadayisi bomshwalense bathanda izihlahla ezithuthukisiwe kanye nama-GLM ngaphezu kwamanethi emizwa ajulile ngoba abalawuli badinga ukuthi inani ngalinye lesilinganiso lithethelelwe futhi lingabandlululi. Amanani e-SHAP aya ngokuya esetshenziswa ukuchaza ukuthi kungani umuntu ethola iprimiyamu. Amamodeli aqeqeshwa ngeminyaka yenqubomgomo kanye nedatha yezimangalo, bese eqinisekiswa ukuze anyuswe (ukuhlukanisa okuyingozi kwabafaka izicelo abaphephile) futhi ahlolwe ngokumelene namakilasi avikelwe ngomthelela ohlukene ngaphambi kokuthunyelwa.
Ukufundisa i-AI ku-Underwriting Yomshwalense
I-AI ekubhaleni ngaphansi komshwalense isebenzisa ukufunda komshini ukuhlola ubungozi nezinqubomgomo zentengo ngokushesha nakakhudlwana kunokubuyekezwa mathupha. Ibalulekile ngoba ingasheshisa ukugunyazwa ukusuka emavikini kuye emaminithini - kodwa futhi iphakamisa ukulunga nokukhathazeka obala. I-AI ku-Insurance Underwriting isebenza i-AI ezindaweni eziqondene nesizinda lapho imithethonqubo, ukusebenza, kanye nokubekezelela ubungozi kubumbe kakhulu ukukhetha kokuklama. Ukuze wakhe ukuqonda okujulile, phatha i-AI ku-Insurance 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-Insurance Underwriting aqondisa 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
Abadayisi bomshwalense wezempilo basebenzisa ukubhala okungaphansi okusheshisiwe ukuze bakhiphe inqubomgomo ngamaminithi ngokubheka incwadi kadokotela, isikweletu, kanye nesizindalwazi se-MVR esikhundleni soku-oda ukuhlolwa kwegazi.
Izinkampani zomshwalense wezimoto ezifana ne-Progressive (Isifinyezo) kanye namaprimiyamu entengo e-Root asuka kudatha ye-telematics ekubhulekeni, isivinini, kanye nokushayela kwesikhathi sosuku.
Abadayisi bomshwalense wezakhiwo bahlaziya izithombe zasemoyeni nezesathelayithi ukuze bathole isimo sophahla, indawo evikelekile, noma izingozi eziningi lapho bebhala izinqubomgomo zasekhaya.
Abadayisi bomshwalense bezentengiselwano basebenzisa i-NLP phezu kwama-imeyili okuthunyelwayo kanye nemibiko eqhutshwa ukulahlekelwa ukuze kuhlolwe ngokuzenzekelayo futhi kuzuze ubungozi bebhizinisi ukuze kucashunwe ngokushesha.
Amaphethini Okusebenzisa
I-AI ku-Underwriting Yomshwalense isebenza
Abadayisi bomshwalense wezempilo basebenzisa ukubhala okungaphansi okusheshisiwe ukuze bakhiphe inqubomgomo ngamaminithi ngokubheka incwadi kadokotela, isikweletu, kanye nesizindalwazi se-MVR esikhundleni soku-oda ukuhlolwa kwegazi.
Abadayisi bomshwalense wezempilo basebenzisa ukubhala okusheshisiwe ukuze bakhiphe inqubomgomo ngemizuzu ngokubheka imininingwane kadokotela, isikweletu, kanye ne-MVR esikhundleni soku-oda ukuhlolwa kwegazi Amathimba ngokuvamile athola imiphumela engcono lapho echaza izilinganiso zekhwalithi ngaphambili, agcine indlela yokukhuphuka kwabantu yamacala abucayi, futhi alandelele kokubili izinzuzo zokukhiqiza nezindleko zamaphutha ngokuhamba kwesikhathi.
I-AI ku-Underwriting Yomshwalense isebenza
Izinkampani zomshwalense wezimoto ezifana ne-Progressive (Isifinyezo) kanye namaprimiyamu entengo e-Root asuka kudatha ye-telematics ekubhulekeni, isivinini, kanye nokushayela kwesikhathi sosuku.
Abadayisi bomshwalense abazenzakalelayo njenge-Progressive (Isifinyezo) kanye namaprimiyamu entengo e-Root asuka kudatha ye-telematics mayelana nokubhuleka, isivinini, kanye nesikhathi sosuku lokushayela Amathimba ngokuvamile athola imiphumela engcono uma echaza imingcele yekhwalithi ngaphambili, agcine indlela yokukhuphuka komuntu yamakesi asemaphethelweni, futhi alandelele kokubili izinzuzo zokukhiqiza nezindleko zamaphutha ngokuhamba kwesikhathi.
I-AI ku-Underwriting Yomshwalense isebenza
Abadayisi bomshwalense wezakhiwo bahlaziya izithombe zasemoyeni nezesathelayithi ukuze bathole isimo sophahla, indawo evikelekile, noma izingozi eziningi lapho bebhala izinqubomgomo zasekhaya.
Abadayisi bomshwalense wezakhiwo bahlaziya izithombe zasemoyeni nezesathelayithi ukuze bathole isimo sophahla, indawo engavikeleka, noma izingozi zechibi lapho bebhala izinqubomgomo zasekhaya Amaqembu ngokuvamile athola imiphumela engcono uma echaza imikhawulo yekhwalithi ngaphambili, agcine indlela yokukhuphuka kwabantu yamakesi asemaphethelweni, futhi alandelele kokubili izinzuzo zokukhiqiza nezindleko zamaphutha ngokuhamba kwesikhathi.
I-AI ku-Underwriting Yomshwalense isebenza
Abadayisi bomshwalense bezentengiselwano basebenzisa i-NLP phezu kwama-imeyili okuthunyelwayo kanye nemibiko eqhutshwa ukulahlekelwa ukuze kuhlolwe ngokuzenzekelayo futhi kuzuze ubungozi bebhizinisi ukuze kucashunwe ngokushesha.
Abadayisi bomshwalense bezentengiselwano basebenzisa i-NLP phezu kwama-imeyili okuthunyelwayo kanye nemibiko eqhutshwa ukulahlekelwa ukuze kuhlolwe ngokuzenzekelayo futhi bathole ubungozi bebhizinisi ukuze bacaphune ngokushesha Amathimba ngokuvamile athola imiphumela engcono uma echaza imingcele yekhwalithi 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.