尼日利亚银行利用机器学习推动决策，降低风险和成本
公司规模
1,000+
地区
- Africa
国家
- Nigeria
产品
- DataRobot AI Cloud
- AutoML
- Automated Time series
技术栈
- Machine Learning
- AI Cloud
- Automated Modeling
实施规模
- Enterprise-wide Deployment
影响指标
- Cost Savings
- Productivity Improvements
技术
- 分析与建模 - 机器学习
- 平台即服务 (PaaS) - 数据管理平台
适用行业
- 金融与保险
适用功能
- 商业运营
用例
- 欺诈识别
服务
- 数据科学服务
关于客户
Carbon Digital Bank 为所有非洲人提供金融服务。该银行为个人提供信贷、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 Digital Bank 总部位于尼日利亚拉各斯，业务范围延伸至加纳和肯尼亚。该银行由金融业资深人士 Ngozi Dozie 和 Chijioke Dozie 于 2012 年创立，旨在服务于服务不足的尼日利亚市场，其中 40% 的尼日利亚人没有银行账户，只有约 5% 的人持有信用卡。2020 年，该银行处理了 2.4 亿美元的付款。
挑战
Carbon Digital Bank 是一家服务于服务水平较低的非洲市场的金融机构，需要一种方法来快速确定没有信用记录的个人的信用风险。该银行还希望赋予其数据科学团队权力，以应对额外的业务挑战。该银行致力于数据优先战略，并将人工智能视为其决策不可或缺的一部分。然而，评估客户的信用价值是一项重大挑战。该银行需要加快每月数十万份贷款申请的决策速度。
解决方案
Carbon Digital Bank 选择 DataRobot 的 AI Cloud 平台来扩大其全球数据科学团队的影响力。该平台实现了大部分流程的自动化，并不断发展新功能。当消费者在 Carbon Digital Bank 移动应用程序上提交申请时，模型会利用来自第一方、第二方和第三方来源的各种数据在五分钟内建立信用评分。信用评分较高的人可以获得更好的利率和更高的限额。该银行已经开发了多种模型来帮助加快贷款申请决策。Carbon Digital Bank 算法还考虑了尼日利亚市场普遍存在的欺诈和反洗钱做法，提供了多重保护。
运营影响
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