{"id":9124,"date":"2021-03-11T10:00:05","date_gmt":"2021-03-11T16:00:05","guid":{"rendered":"https:\/\/backup.primeaction.com\/sp\/?p=9124"},"modified":"2021-03-06T18:25:41","modified_gmt":"2021-03-07T00:25:41","slug":"inteligencia-artificial-en-finanzas-un-aliado-en-la-transformacion","status":"publish","type":"post","link":"https:\/\/backup.primeaction.com\/sp\/inteligencia-artificial-en-finanzas-un-aliado-en-la-transformacion\/","title":{"rendered":"Inteligencia artificial en finanzas: un aliado en la transformaci\u00f3n"},"content":{"rendered":"

En los \u00faltimos a\u00f1os esta tecnolog\u00eda ha avanzado; actualmente ya se utiliza en una amplia gama de \u00e1reas y apunta a transformar al sector financiero en los pr\u00f3ximos a\u00f1os, convirti\u00e9ndose en un activo y ventaja competitiva muy valiosos, pues cada vez se utilizan m\u00e1s los modelos de IA para evaluar y procesar las solicitudes de cr\u00e9dito, automatizar procesos, mejorar los servicios de atenci\u00f3n al cliente y generar nuevas e importantes oportunidades de ingresos a trav\u00e9s la venta cruzada de productos financieros, entre otras tareas que requieren de varios recursos m\u00e1s all\u00e1 de lo econ\u00f3mico.<\/p>\n

Debido a que todos los d\u00edas se generan miles de millones de transacciones y solicitudes, lo que supone una enorme cantidad de datos que se han convertido en la clave para obtener informaci\u00f3n y generar valor, la IA se est\u00e1 aplicando para sacar el mayor provecho de la digitalizaci\u00f3n en la industria. En general, la IA puede implementarse en un amplio espectro de casos de uso como los mencionados anteriormente, no obstante, en la industria destacan:<\/p>\n

Credit scoring. La mayor\u00eda de las entidades financieras se apoyan de los registros de cr\u00e9dito para evaluar la solvencia de los solicitantes; sin embargo, el resultado suele ser un an\u00e1lisis superficial de los posibles prestamistas.<\/p>\n

Para este caso los modelos de IA predicen con precisi\u00f3n los riesgos de endeudamiento a partir de scorings basados en factores imparciales como ingresos, empleo, patrones de comportamiento, datos hist\u00f3ricos, entre otros, que son clave para obtener informaci\u00f3n decisiva para la aprobaci\u00f3n.<\/p>\n

Detecci\u00f3n de fraudes. Mientras los sistemas tradicionales de detecci\u00f3n se basan en conjuntos de reglas con un margen de error considerable, los modelos de IA aprenden activamente y se calibran ante nuevas amenazas de seguridad potenciales o reales, a partir de los patrones de comportamiento que esconden los datos.<\/p>\n

Gesti\u00f3n de la cobranza. Las instituciones financieras han confiado en el uso de correos electr\u00f3nicos y llamadas telef\u00f3nicas en sus intentos por optimizar los cobros, sin tomar en cuenta diferentes factores de impago. Los modelos de IA brindan informaci\u00f3n clave y ayudan a los cobradores a evitar que las deudas escalen a otras fases al facilitarles datos para la elaboraci\u00f3n de estrategias y canales de cobro adecuados para cada caso; por ejemplo, los modelos son capaces de identificar la situaci\u00f3n econ\u00f3mica y el punto dentro del ciclo de vida de los clientes para brindarles la ayuda necesaria y as\u00ed promover el pago de su deuda.<\/p>\n

Si bien la IA ha ayudado a las empresas de la industria a resolver problemas complejos, a\u00fan existe una gran oportunidad para aumentar su adopci\u00f3n en el campo de la anal\u00edtica de clientes con el fin de reducir costos, generar nuevas oportunidades de venta y hacer m\u00e1s eficientes sus iniciativas de marketing.<\/p>\n","protected":false},"excerpt":{"rendered":"

Si bien, la gran mayor\u00eda de las personas asocian este t\u00e9rmino con robots, cuando hablamos de Inteligencia Artificial (IA), nos referimos a los sistemas computacionales que buscan simular la inteligencia humana para llevar a cabo y optimizar tareas similares a las nuestras a partir del aprendizaje generado en funci\u00f3n de los grandes vol\u00famenes de datos que esta consume. \u00bfEl objetivo? Potenciar nuestras capacidades.<\/p>\n","protected":false},"author":10,"featured_media":9126,"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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_mbp_gutenberg_autopost":false,"fifu_image_url":"https:\/\/www.eleconomista.com.mx\/__export\/1613530983125\/sites\/eleconomista\/img\/2021\/02\/16\/tecnologia_shutterstock_1411294787_1.jpg_1093282975.jpg","fifu_image_alt":"Inteligencia artificial en finanzas: un aliado en la transformaci\u00f3n","footnotes":""},"categories":[9],"tags":[],"class_list":["post-9124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-post-servicios"],"yoast_head":"\nInteligencia artificial en finanzas: un aliado en la transformaci\u00f3n · Prime Action Consulting<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/backup.primeaction.com\/sp\/inteligencia-artificial-en-finanzas-un-aliado-en-la-transformacion\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Inteligencia artificial en finanzas: un aliado en la transformaci\u00f3n · Prime Action Consulting\" \/>\n<meta property=\"og:description\" content=\"Si bien, la gran mayor\u00eda de las personas asocian este t\u00e9rmino con robots, cuando hablamos de Inteligencia Artificial (IA), nos referimos a los sistemas computacionales que buscan simular la inteligencia humana para llevar a cabo y optimizar tareas similares a las nuestras a partir del aprendizaje generado en funci\u00f3n de los grandes vol\u00famenes de datos que esta consume. \u00bfEl objetivo? 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