Carbon 利用 DataRobot 改变消费贷款业务
公司规模
SME
地区
- Africa
国家
- Nigeria
- Kenya
产品
- DataRobot
- Carbon Mobile App
技术栈
- DataRobot's prediction API
- DataRobot MLOps
实施规模
- Enterprise-wide Deployment
影响指标
- Revenue Growth
- Customer Satisfaction
技术
- 分析与建模 - 预测分析
适用行业
- 金融与保险
适用功能
- 销售与市场营销
- 商业运营
用例
- 补货预测
- 欺诈识别
服务
- 数据科学服务
关于客户
Carbon 是一家位于尼日利亚拉各斯的金融科技公司。该公司由 Ngozi Dozie 和他的兄弟 Chijioke 创办。该公司为个人提供信贷、简单的支付解决方案、高收益投资机会和易于使用的个人财务管理工具。Carbon 致力于为尼日利亚银行服务不足的人口提供服务，该国有超过 4000 万成年人没有银行账户。尽管 Carbon 在全球的员工人数不到 150 人，但它利用现代技术和数据科学在传统金融机构因风险过高而避开的市场中实现了盈利。
挑战
Ngozi Dozie 和他的兄弟 Chijioke 发现尼日利亚金融领域存在巨大差距，特别是在消费贷款和信贷基础设施领域。在尼日利亚 1 亿成年人中，超过 4000 万人没有银行账户，全国只有大约 20 万张信用卡。商业银行不愿提供消费贷款，因为向没有信用记录的消费者放贷风险很高。在尼日利亚这样的市场建立信用评分是一项巨大的挑战，因为几乎没有记录的财务历史或资产所有权。这为 Ngozi 和他的兄弟创办的金融科技公司 Carbon 提供了一个机会，帮助服务尼日利亚银行服务不足的人群。
解决方案
Carbon 致力于数据优先战略，利用现代移动应用技术和 DataRobot 支持的尖端数据科学。Carbon 的模型利用来自第一方、第二方和第三方来源的多种数据来建立信用评级。在五分钟内，用户就会收到信用评级，“优质”客户可以获得更好的利率和更高的限额，而高风险客户则会获得更高的利率。DataRobot 突破性的信用风险算法引擎为 Carbon 的移动应用程序提供支持。Carbon 每月通过 DataRobot 的预测 API 处理 150,000 份贷款申请，并在 DataRobot MLOps 中跟踪这些部署。四个独立的记分卡提供了对每个客户拖欠贷款可能性的洞察。然后，该应用程序会相应地调整他们的贷款条款。
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