Yandex, mogwirizana ndi mabungwe awiri akuluakulu a ngongole, yakhazikitsa ntchito yatsopano yowunika obwereketsa kuchokera ku mabanki. Malinga ndi zomwe zilipo, zizindikiro zopitilira 1000 zikuganiziridwa pakuwunika. Izi zidanenedwa ndi magwero awiri omwe sanatchulidwe omwe amadziwa bwino za nkhaniyi, ndipo nthumwi ya United Credit Bureau (UCB) idatsimikiza za nkhaniyi. Yandex ikugwira ntchito yofananayi mogwirizana ndi Equifax.
Ntchitoyi Yandex ikugwira ntchito limodzi ndi OKB imatchedwa "Internet Scoring Bureau." Poyesa kukongola kwa obwereketsa, makampani "amaphatikiza" machitidwe awo ogoletsa, koma alibe mwayi wopezana wina ndi mnzake. Mabungwe angongole ali ndi zambiri zamangongole, zofunsira ngongole, zobweza ngongole, ndi kuchuluka kwawo kwangongole. Yandex, kumbali ina, ili ndi ziwerengero za ogwiritsa ntchito, zomwe zimasungidwa mu mawonekedwe osadziwika. Kugoletsa kumachokera ku "ma analytical features" a Yandex, ndipo kuwunikaku kumaphatikizidwa ndi dongosolo la ngongole la credit bureau. Njirayi imalola kuti pakhale chiwerengero chonse, chomwe chidzaperekedwa ku banki. OKB imanena kuti njirayi ingagwiritsidwe ntchito kuyesa oposa 95% a obwereka.
Ndizofunikira kudziwa kuti Yandex siwulula zomwe ogwiritsa ntchito omwe amatsata chitsanzo chake. "Deta yosadziwika imakonzedwa mwachisawawa ndi ma algorithms ndipo imasungidwa mwapadera mkati mwa dongosolo lotsekedwa la Yandex. Zitsanzo zowunikira zimagwiritsa ntchito zinthu zosiyanasiyana za 1000. Pambuyo pa kuwunika, nambala imodzi yokha imaperekedwa kwa mnzanu, zomwe ndi zotsatira za kuunikako, "adatero woimira Yandex. Iwo adanenanso kuti zotsatira zomwe zapezedwa kuchokera ku kafukufuku wa data wa kampani ya IT sizowongolera zochita ndipo sizikhudza mlingo woperekedwa ndi ofesi ya ngongole.
Gwero lodziwika bwino lidawulula kuti ofesi ya ngongole imatumiza zidziwitso za ogwiritsa ntchito (imelo adilesi ndi nambala yafoni) kupita ku Yandex mwachinsinsi. Deta iyi imapanga maziko achitsanzo chomwe chimagwiritsidwa ntchito powunika kuyenera kwa kasitomala. Panthawiyi, Yandex sangathe kudziwa kasitomala weniweni yemwe pempholo linalandiridwa. Kuphatikiza apo, kampaniyo sigawana deta ndi anthu ena.
Malinga ndi Alexey Bogomolov, CEO wa National Rating Agency, kugoletsa, ngakhale atachokera ku data yosadziwika komanso yophatikizika, amalola mabanki kuwunika molondola kuchuluka kwamakasitomala. Ananenanso kuti ntchitoyi, yomwe inakonzedwa ndi Yandex, ikugwiritsidwa ntchito poyesa ndi mabanki angapo.
Source: 3dnews.ru
