Kambani yeYandex, pamwe chete nemahofisi maviri makuru enhoroondo yezvikwereti, yakaronga purojekiti itsva, mukati megadziriro iyo kuongororwa kwevakwereta vemasangano emabhangi kunoitwa. Zvinoenderana nedata iripo, zvinopfuura 1000 zviratidzo zvinotariswa mukuongororwa. Izvi zvakataurwa nevaviri vasina kutaurwa mazita vanoziva nezvenyaya iyi, uye mumiriri weUnited Credit Bureau (UCB) akasimbisa ruzivo. Yandex iri kuita chirongwa chakafanana pamwe chete neBKI Equifax.
Iyo purojekiti iri kuitwa neYandex pamwe neOKB inonzi "Internet Scoring Bureau". Muchiito chekuongorora solvency yevakwereta, makambani "anosanganisa" zvibodzwa, asi haakwanise kuwana data reumwe neumwe. Mahofisi enhoroondo yechikwereti ane ruzivo nezve zvikwereti, zvikumbiro zvezvikwereti, kubhadhara kweanokwereta uye mutoro wake wechikwereti. Kana iri Yandex, kambani ine nhamba yedata nezvevashandisi inochengetwa mune isingazivikanwe fomu. Kugova kunoitwa pahwaro hwe "analytical features" yeYandex, uyezve iyi ongororo inowedzerwa kune BKI scoring assessment. Iyi nzira inobvumidza iwe kuti utore chibodzwa chakazara, icho chinozopihwa kubhangi. OKB inotaura kuti nzira iyi inogona kushandiswa kuongorora vanopfuura 95% yevakwereta.
Zvakakosha kucherechedza kuti Yandex haitauri kuti ndeipi data pamusoro pevashandisi ndiyo nheyo yemuenzaniso wekugovera. "Data risingazivikanwe rinogadziriswa otomatiki nemaalgorithms uye rinowanikwa chete munharaunda yakavharwa yeYandex. Analytical modhi dzinoshandisa zvinopfuura chiuru zvakasiyana zvinhu. Kubva pamigumisiro yekuongorora, nhamba imwe chete inotumirwa kune mumwe wake, iyo inokonzerwa nekuongorora, "mumiriri weYandex akataura nezvenyaya iyi. Akataurawo kuti mhedzisiro yakawanikwa kubva mukuongororwa kwedata kubva kukambani yeIT haisi imwe nzira yekutungamira kuita uye haina kukanganisa ongororo yakapihwa neBKI.
Sosi ine ruzivo yakataura kuti kiredhiti bureau inotumira zviziviso zvemushandisi (kero yebhokisi retsamba uye nhare mbozha) kuYandex mune encrypted fomu. Iyi data inoumba hwaro hwemuenzaniso, kushandiswa kwayo kunotibvumira kuongorora solvency yemumwe mutengi. Munguva yebasa rayo, Yandex haigone kuona kuti ndeupi mutengi chikumbiro chaive. Mukuwedzera, kambani haitumire data revashandisi kune vechitatu mapato.
Maererano neMukuru Mukuru weNational Rating Agency, Alexey Bogomolov, chiyero chekuongorora, kunyange kana chichibva pahwaro hwemashoko asingazivikanwe uye akaunganidzwa, anobvumira mabhangi kunyatsoongorora kugadzikana kwevatengi. Akacherechedzawo kuti basa rakarongwa neYandex ikozvino riri kushandiswa mukuedza mode nemabhangi akawanda.
Source: 3dnews.ru