{"id":16112,"date":"2022-07-18T10:00:03","date_gmt":"2022-07-18T15:00:03","guid":{"rendered":"https:\/\/backup.primeaction.com\/sp\/?p=16112"},"modified":"2022-07-15T12:02:47","modified_gmt":"2022-07-15T17:02:47","slug":"inteligencia-artificial-mejora-rentabilidad-en-fintech","status":"publish","type":"post","link":"https:\/\/backup.primeaction.com\/sp\/inteligencia-artificial-mejora-rentabilidad-en-fintech\/","title":{"rendered":"Inteligencia Artificial mejora rentabilidad en Fintech"},"content":{"rendered":"

Las tecnol\u00f3gicas financieras pueden mejorar sus modelos de negocio a trav\u00e9s del correcto uso de herramientas como Inteligencia Artificial (IA), aprendizaje autom\u00e1tico, optimizaci\u00f3n de cartera y procesos de venta cruzada, as\u00ed lo indicaron los presentes durante el webinar \u201cAnal\u00edticos Avanzados e IA para m\u00e1s cr\u00e9ditos y menos p\u00e9rdidas\u201d de OpenFinance 2020.<\/p>\n

Durante el evento, Antonio Garc\u00eda Rouco, director general de GDS Link para Latinoam\u00e9rica, Europa, Medio Oriente y \u00c1frica, coment\u00f3 que la correcta utilizaci\u00f3n de IA en procesos de gesti\u00f3n de riesgo impulsan el crecimiento de los modelos de negocio enfocados en el cr\u00e9dito de las fintech, aunque la administraci\u00f3n de datos plantea un reto en su organizaci\u00f3n para ser utilizados de forma correcta.<\/p>\n

\u201cTenemos la gran ventaja en este momento, frente a hace unos a\u00f1os, porque la cantidad de datos es inmensa y va a seguir creciendo, pero si no tratamos, analizamos y utilizamos para tomar decisiones a trav\u00e9s de procesos automatizados que permitan tomar millones de buenas elecciones todos los d\u00edas\u201d, coment\u00f3 Garc\u00eda.<\/p>\n

De acuerdo con datos de GDS Link, las instituciones que implementan IA y aprendizaje autom\u00e1tico en la gesti\u00f3n del ciclo cr\u00e9dito, incrementan 25% el otorgamiento de pr\u00e9stamos, 35% reducen el riesgo de moratoria, aumentan 78% la aprobaci\u00f3n del otorgamiento y 10% reduce el costo de adquisici\u00f3n de datos.<\/p>\n

\u201cEl aumento de la aprobaci\u00f3n de la solicitud, es importante desde el punto de vista de la agilidad y facilidad para acceder al cr\u00e9dito, somos capaces como entidad, como fintech o banco que de generar un entorno que conlleve esto, vamos a tener m\u00e1s solicitudes, generar m\u00e1s negocio\u201d, agreg\u00f3 Rouco.<\/p>\n

Preocupa a las fintech gesti\u00f3n y riesgo<\/p>\n

De acuerdo con los datos presentados durante el webinar, al 24.5% de las fintech les preocupa mejorar la gesti\u00f3n de riesgo, mientras que a 20.4% mejorar la automatizaci\u00f3n de admisi\u00f3n en procesos crediticios, en menor medida preocupa a un 18% la prevenci\u00f3n del fraude, 12.2% optimizar gesti\u00f3n de cartera, 14.3% mejorar la experiencia digital y 10.2% perfeccionar la recuperaci\u00f3n.<\/p>\n

Seg\u00fan lo mencionado por Garc\u00eda, la preocupaci\u00f3n por usar tecnolog\u00eda y profesionales capacitados tambi\u00e9n aumenta desde las fintech, ya que las fintech planean automatizar cada vez m\u00e1s los procesos de otorgamiento<\/p>\n

Caso de uso<\/p>\n

La automatizaci\u00f3n de procesos permiti\u00f3 a las fintech incursionar en segmentos donde las entidades tradicionales no incursionan debido a que la tecnolog\u00eda sirve como puente para las tecnol\u00f3gicas financieras en mercados de alto riesgo.<\/p>\n

En acorde a lo mencionado por el directivo, la tecnolog\u00eda facilita principalmente la toma de decisiones, lo que les permite generar modelos anal\u00edticos para el otorgamiento de cr\u00e9dito alternativos a los usados por la banca tradicional, destac\u00f3 el uso de la banca abierta en Europa, donde el uso de la informaci\u00f3n permiti\u00f3 mejores evaluaciones de riesgo para el riesgo.<\/p>\n

\u201cSe desarrollaron todo una serie de perspectivas a trav\u00e9s de tecnolog\u00eda, anal\u00edtica y dem\u00e1s que formaron parte de esos modelos de decisi\u00f3n, y bueno tambi\u00e9n se ha utilizado informaci\u00f3n de banca abierta, aqu\u00ed en M\u00e9xico todav\u00eda no estamos en ese punto, yo creo que llegaremos sin ninguna duda, a esos casos de uso\u201d, explic\u00f3 Rouco.<\/p>\n","protected":false},"excerpt":{"rendered":"

Las tecnolog\u00edas de IA y aprendizaje autom\u00e1tico impulsan y reducen el riesgo de las tecnol\u00f3gicas.<\/p>\n","protected":false},"author":10,"featured_media":16114,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"single-post.php","format":"standard","meta":{"_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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