Kiva 使用 DataRobot 提高小额贷款融资利率
公司规模
Large Corporate
地区
- America
国家
- United States
产品
- DataRobot AI for Good program
技术栈
- Machine Learning
实施规模
- Enterprise-wide Deployment
影响指标
- Customer Satisfaction
- Brand Awareness
技术
- 分析与建模 - 机器学习
适用行业
- 金融与保险
适用功能
- 商业运营
服务
- 数据科学服务
关于客户
Kiva 是一家国际非营利组织，成立于 2005 年，其使命是“扩大金融服务渠道，帮助服务不足的社区繁荣发展”。Kiva 通过其国际网络提供众筹贷款来实现其使命。这些贷款用于各种用途，例如帮助妇女创业和发展业务、帮助农民购买设备以及为学生提供贷款以继续深造。该组织总部位于加利福尼亚州旧金山，从事非营利和金融服务行业。
挑战
Kiva 是一家非营利性金融服务机构，利用众筹为传统渠道服务不足的人们提供贷款。世界银行估计，大约有 17 亿人没有银行账户，这意味着他们无法获得零售银行提供的金融服务。这使得许多人无法获得世界上许多人认为理所当然的金融工具，例如信用卡和贷款。替代银行方法往往收费高昂，可能会让需要的人无法负担。这种资金匮乏阻碍了最需要的地方的经济增长、机会和平等。Kiva 使命的关键是确保申请贷款的人能够成功获得资金。
解决方案
为了确保贷款申请人成功获得资金，Kiva 与 DataRobot AI for Good 计划合作开发了一个系统来推广那些未被查看且面临无法获得资金风险的贷款。Kiva 团队使用每笔贷款的数据（包括每日受欢迎程度），利用 DataRobot 构建了 20 多个模型来预测每天将为哪些贷款提供资金。该解决方案旨在直接与 Kiva 网站集成，每天重新排序贷款，以便让任何面临风险的贷款都能被看到。该解决方案促进了不同地理位置的贷款推广，包括有时被资助者忽视的世界部分地区。
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