Zidisha 正在利用 DataRobot 改变生活
公司规模
Startup
地区
- Africa
- Asia
国家
- Ghana
- Kenya
产品
- DataRobot Enterprise AI platform
技术栈
- Machine Learning
- SQL
- Spreadsheets
实施规模
- Enterprise-wide Deployment
影响指标
- Cost Savings
- Productivity Improvements
技术
- 分析与建模 - 预测分析
适用行业
- 金融与保险
- 教育
适用功能
- 采购
用例
- 质量预测分析
- 欺诈识别
服务
- 数据科学服务
关于客户
Zidisha 是一个非营利性的在线小额贷款社区，将借款人与放款人直接联系起来。它提倡通过众筹的方式为世界上一些最贫穷国家的人们提供小额贷款，帮助他们创业和发展企业或资助教育。Zidisha 不收取贷款利息；相反，借款人需要支付 5% 的服务费来支付转移和管理贷款的费用。通过 Zidisha，企业家可以获得条件灵活、成本合理的商业贷款，使他们能够保留大部分利润并将其重新投资到企业中或用于养家糊口。Zidisha 绕过了传统的确定、量化和定价违约风险的方法，不再需要贷款人员或银行专家。Zidisha 无需贷款人员进行尽职调查，而是建立借款人和放款人之间的直接关系。
挑战
Zidisha 是一个非营利性在线小额贷款社区，旨在通过提供小额贷款来创业、上学或改善生活条件，从而改变一些最贫穷国家人民的生活。然而，每笔贷款都存在违约风险。传统贷款机构已经找到了识别、量化和定价违约风险的方法，风险越高的贷款利率就越高。风险评估工作通常由贷款人员负责，成本则转嫁给借款人。在发达经济体中，数千或数十万美元的贷款很常见，这些成本可以轻松吸收，而不会影响贷款的合理性，但在发展中国家情况并非如此。雇用贷款人员来评估小额贷款的违约风险会导致利率高达 40%，从而破坏经济发展的促进。Zidisha 面临的挑战是通过识别最有可能成为高风险借款人的申请人来提高还款水平。
解决方案
Zidisha 与 DataRobot 合作开发和部署机器学习模型，从根本上改善贷款申请和筛选流程。DataRobot 的一位面向客户的数据科学家 (CFDS) 建议 Zidisha 受益于两个预测模型：一个用于检测欺诈性申请，另一个用于识别贷款违约倾向高的申请人。保护贷款人的资金是 Zidisha 长期成功的基础，因为它可以让更多贷款提供给真正需要的值得信赖的借款人，并提高资金回收到其他值得借款人的速度。Julia 和她的同事与 DataRobot 团队合作，将该平台与他们的系统集成，并简单地阅读 DataRobot 用户文档，开始为 Zidisha 开发自己的预测模型。Julia 和她的同事在不到两周的时间内创建的两个模型通过将贷款违约率降低了 5%，大大提高了 Zidisha 偿还贷款人的贷款百分比。
运营影响
数量效益
Case Study missing?
Start adding your own!
Register with your work email and create a new case study profile for your business.
相关案例.
Case Study
Real-time In-vehicle Monitoring
The telematic solution provides this vital premium-adjusting information. The solution also helps detect and deter vehicle or trailer theft – as soon as a theft occurs, monitoring personnel can alert the appropriate authorities, providing an exact location.“With more and more insurance companies and major fleet operators interested in monitoring driver behaviour on the grounds of road safety, efficient logistics and costs, the market for this type of device and associated e-business services is growing rapidly within Italy and the rest of Europe,” says Franco.“The insurance companies are especially interested in the pay-per-use and pay-as-you-drive applications while other organisations employ the technology for road user charging.”“One million vehicles in Italy currently carry such devices and forecasts indicate that the European market will increase tenfold by 2014.However, for our technology to work effectively, we needed a highly reliable wireless data network to carry the information between the vehicles and monitoring stations.”
Case Study
Safety First with Folksam
The competitiveness of the car insurance market is driving UBI growth as a means for insurance companies to differentiate their customer propositions as well as improving operational efficiency. An insurance model - usage-based insurance ("UBI") - offers possibilities for insurers to do more efficient market segmentation and accurate risk assessment and pricing. Insurers require an IoT solution for the purpose of data collection and performance analysis
Case Study
Smooth Transition to Energy Savings
The building was equipped with four end-of-life Trane water cooled chillers, located in the basement. Johnson Controls installed four York water cooled centrifugal chillers with unit mounted variable speed drives and a total installed cooling capacity of 6,8 MW. Each chiller has a capacity of 1,6 MW (variable to 1.9MW depending upon condenser water temperatures). Johnson Controls needed to design the equipment in such way that it would fit the dimensional constraints of the existing plant area and plant access route but also the specific performance requirements of the client. Morgan Stanley required the chiller plant to match the building load profile, turn down to match the low load requirement when needed and provide an improvement in the Energy Efficiency Ratio across the entire operating range. Other requirements were a reduction in the chiller noise level to improve the working environment in the plant room and a wide operating envelope coupled with intelligent controls to allow possible variation in both flow rate and temperature. The latter was needed to leverage increased capacity from a reduced number of machines during the different installation phases and allow future enhancement to a variable primary flow system.
Case Study
IoT platform Enables Safety Solutions for U.S. School Districts
Designed to alert drivers when schoolchildren are present, especially in low-visibility conditions, school-zone flasher signals are typically updated manually at each school. The switching is based on the school calendar and manually changed when an unexpected early dismissal occurs, as in the case of a weather-event altering the normal schedule. The process to reprogram the flashers requires a significant effort by school district personnel to implement due to the large number of warning flashers installed across an entire school district.
Case Study
Automated Pallet Labeling Solution for SPR Packaging
SPR Packaging, an American supplier of packaging solutions, was in search of an automated pallet labeling solution that could meet their immediate and future needs. They aimed to equip their lines with automatic printer applicators, but also required a solution that could interface with their accounting software. The challenge was to find a system that could read a 2D code on pallets at the stretch wrapper, track the pallet, and flag any pallets with unread barcodes for inspection. The pallets could be single or double stacked, and the system needed to be able to differentiate between the two. SPR Packaging sought a system integrator with extensive experience in advanced printing and tracking solutions to provide a complete traceability system.
Case Study
Transforming insurance pricing while improving driver safety
The Internet of Things (IoT) is revolutionizing the car insurance industry on a scale not seen since the introduction of the car itself. For decades, premiums have been calculated using proxy-based risk assessment models and historical data. Today, a growing number of innovative companies such as Quebec-based Industrielle Alliance are moving to usage-based insurance (UBI) models, driven by the advancement of telematics technologies and smart tracking devices.
