实例探究 > Algoan：利用机器学习和 Google Cloud 彻底改变贷款流程

Algoan：利用机器学习和 Google Cloud 彻底改变贷款流程

技术

分析与建模 - 机器学习
平台即服务 (PaaS) - 应用开发平台

适用行业

设备与机械
金融与保险

适用功能

质量保证

用例

预测性维护
篡改检测

服务

云规划/设计/实施服务
数据科学服务

关于客户

Algoan 的客户包括法国、比利时和西班牙的银行和其他金融机构。他们使用 Algoan 的平台提供完全自动化的贷款流程，以满足客户的个人财务需求。

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挑战

法国金融公司使用的信用评分模型基于过时的社会经济因素，不能准确反映客户的财务行为。

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解决方案

Algoan 为金融机构提供了一个数字平台，该平台使用开放银行数据和机器学习算法来改进贷款决策，使其更快、更适合每个客户的情况。

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运营影响

Powered by Google Cloud, Algoan’s solution offers banks and lenders a clear, simple digital lending platform with plug and play, white-labeled products. The platform enables credit scores to be calculated in a clearer, more transparent way than before, and much faster. Traditional credit checks often take days, creating unnecessary worry for customers. With Algoan, customers are informed within five minutes of their application and can be sure that the decision is based on a much more relevant set of criteria. Along with the added customization and convenience of the platform, Algoan and its customers benefit from the high levels of security that come with Google Cloud, including certification for rigorous compliance protocols such as PCI-DSS and SOC 1/2/3. In response to the COVID-19 situation, Algoan created a new, free product for consumers, using the company’s algorithms to predict exactly how their finances would change in the short and medium terms, and bringing some clarity to their financial planning.

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数量效益

Lending decisions are now finalized in five minutes, not five days.
Algoan's new product for consumers was unveiled in just two weeks.
Algoan is planning to expand into more countries across Europe in late 2020.

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