{"id":30044,"date":"2019-10-31T21:33:22","date_gmt":"2019-10-31T18:33:22","guid":{"rendered":"https:\/\/prohoster.info\/blog\/kak-my-predskazyvali-ottok-podojdya-k-nemu-kak-k-stihijnomu-bedstviyu\/"},"modified":"2019-10-31T21:33:22","modified_gmt":"2019-10-31T18:33:22","slug":"kak-my-predskazyvali-ottok-podojdya-k-nemu-kak-k-stihijnomu-bedstviyu","status":"publish","type":"post","link":"https:\/\/prohoster.info\/sq\/blog\/kak-my-predskazyvali-ottok-podojdya-k-nemu-kak-k-stihijnomu-bedstviyu","title":{"rendered":"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<p>Ndonj\u00ebher\u00eb, p\u00ebr t\u00eb zgjidhur nj\u00eb problem, ndihmon t\u00eb shohim situat\u00ebn nga nj\u00eb k\u00ebndv\u00ebshtrim tjet\u00ebr. Edhe n\u00ebse gjat\u00eb 10 viteve t\u00eb fundit probleme t\u00eb ngjashme jan\u00eb zgjidhur me t\u00eb nj\u00ebjt\u00ebn qasje me rezultate t\u00eb ndryshme, nuk \u00ebsht\u00eb e sigurt q\u00eb kjo qasje \u00ebsht\u00eb e vetmja.<\/p>\n<p>Ekziston nj\u00eb tem\u00eb, e njohur si shkarkimi i klient\u00ebve. Kjo \u00ebsht\u00eb nj\u00eb dukuri e pashmangshme, sepse klient\u00ebt e \u00e7do kompanie mund t\u00eb vendosin p\u00ebr shum\u00eb arsye t\u00eb ndalojn\u00eb p\u00ebrdorimin e produkteve ose sh\u00ebrbimeve t\u00eb saj. Natyrisht, p\u00ebr kompanin\u00eb, shkarkimi \u00ebsht\u00eb nj\u00eb veprim i natyrsh\u00ebm, por jo gjithmon\u00eb i d\u00ebshiruar, ndaj t\u00eb gjith\u00eb p\u00ebrpiqen ta minimizojn\u00eb at\u00eb. M\u00eb mir\u00eb akoma, \u00ebsht\u00eb t\u00eb parashikohet probabiliteti i shkarkimit t\u00eb nj\u00eb kategorie t\u00eb caktuar p\u00ebrdoruesish, ose klientit t\u00eb ve\u00e7ant\u00eb, dhe t\u00eb ofrohen disa hapa p\u00ebr mbajtjen e tyre.<\/p>\n<p>\u00cbsht\u00eb thelb\u00ebsore t\u00eb analizoni dhe t\u00eb p\u00ebrpiqeni t\u00eb mbani klientin, n\u00ebse \u00ebsht\u00eb e mundur, p\u00ebr arsyet e m\u00ebposhtme:<\/p>\n<ul>\n<li><b>t\u00eb t\u00ebrheq\u00ebsh klient\u00eb t\u00eb rinj \u00ebsht\u00eb m\u00eb e shtrenjt\u00eb se procedurat p\u00ebr mbajtjen e tyre<\/b>. P\u00ebr t\u00eb t\u00ebrhequr klient\u00eb t\u00eb rinj, zakonisht duhet t\u00eb shpenzohen disa para (reklamim), nd\u00ebrsa klient\u00ebt ekzistues mund t\u00eb aktivizohen me nj\u00eb ofert\u00eb speciale me kushte t\u00eb ve\u00e7anta;<\/li>\n<li><b>kuptimi i arsyeve t\u00eb largimit t\u00eb klient\u00ebve \u00ebsht\u00eb \u00e7el\u00ebsi p\u00ebr p\u00ebrmir\u00ebsimin e produkteve dhe sh\u00ebrbimeve<\/b>.<\/li>\n<\/ul>\n<p>\nEkzistojn\u00eb qasje standart q\u00eb parashikojn\u00eb ikjen e klient\u00ebve. Por n\u00eb nj\u00ebrin nga kampionatet e IA-s\u00eb vendos\u00ebm t\u00eb provojm\u00eb shp\u00ebrndarjen Weibull p\u00ebr k\u00ebt\u00eb. N\u00eb p\u00ebrgjith\u00ebsi, ajo p\u00ebrdoret p\u00ebr analiz\u00ebn e mbijetes\u00ebs, parashikimin e kushteve meteorologjike, analiz\u00ebn e fatkeq\u00ebsive natyrore, inxhinierin\u00eb industriale dhe t\u00eb ngjashme. Shp\u00ebrndarja Weibull \u00ebsht\u00eb nj\u00eb funksion i ve\u00e7ant\u00eb shp\u00ebrndarjeje, i parametrizuar me dy parametra. <img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/d30a25becc44269d51957349c6e8b4a0.png\" style=\"display:block;margin: 0 auto;\" \/> dhe <img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/42092030604bf54a98c8379fd532bffe.png\" style=\"display:block;margin: 0 auto;\" \/>. <\/p>\n<p><noindex><a rel=\"nofollow\" href=\"https:\/\/habr.com\/ru\/company\/rostelecom\/blog\/444694\/\"><img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/62e1933c8335dd16d765f0e358952d84.png\" style=\"display:block;margin: 0 auto;\" \/><\/a><\/noindex><br \/>\n<i>Wikipedia<\/i><\/p>\n<p>N\u00eb p\u00ebrgjith\u00ebsi, \u00ebsht\u00eb nj\u00eb gj\u00eb interesante, por p\u00ebr parashikimin e ikjes s\u00eb klient\u00ebve, madje edhe n\u00eb fintech, nuk p\u00ebrdoret aq shpesh. M\u00eb posht\u00eb do flasim p\u00ebr m\u00ebnyr\u00ebn se si ne (Laboratori i Analiz\u00ebs Inteligjente t\u00eb T\u00eb Dh\u00ebnave) e b\u00ebm\u00eb k\u00ebt\u00eb, duke fituar p\u00ebr nj\u00ebkoh\u00ebsisht medaljen e art\u00eb n\u00eb Kampionatin e Inteligjenc\u00ebs Artificiale n\u00eb kategorin\u00eb 'IA n\u00eb banka'.<br \/>\n<noindex><a rel=\"nofollow\" name=\"habracut\"><\/a><\/noindex><\/p>\n<h2>Rreth ikjes n\u00eb p\u00ebrgjith\u00ebsi<\/h2>\n<p>\nLe t\u00eb shohim pak se \u00e7far\u00eb \u00ebsht\u00eb largimi i klientit dhe pse \u00ebsht\u00eb kaq i r\u00ebnd\u00ebsish\u00ebm. Baza e klient\u00ebve \u00ebsht\u00eb e r\u00ebnd\u00ebsishme p\u00ebr \u00e7do biznes. N\u00eb k\u00ebt\u00eb baz\u00eb hyjn\u00eb klient\u00eb t\u00eb rinj, p\u00ebr shembull, duke m\u00ebsuar p\u00ebr produktin ose sh\u00ebrbimin p\u00ebrmes reklamave, jetojn\u00eb p\u00ebr nj\u00eb periudh\u00eb (p\u00ebrdorin aktivisht produktet) dhe pas nj\u00eb koh\u00eb ndalojn\u00eb p\u00ebrdorimin. Kjo periudh\u00eb quhet \"Cikli i jet\u00ebs s\u00eb klientit\" \u2014 nj\u00eb term q\u00eb p\u00ebrshkruan fazat q\u00eb kalon nj\u00eb klient kur m\u00ebson p\u00ebr produktin, merr vendimin p\u00ebr blerje, paguan, p\u00ebrdor dhe b\u00ebhet nj\u00eb konsumator i besnik, dhe n\u00eb fund ndalon p\u00ebrdorimin p\u00ebr arsye t\u00eb ndryshme. Prandaj, largimi \u00ebsht\u00eb shkalla e fundit e ciklit t\u00eb jet\u00ebs s\u00eb klientit, kur klienti ndalon p\u00ebrdorimin e sh\u00ebrbimeve, dhe p\u00ebr biznesin k\u00ebt\u00eb do t\u00eb thot\u00eb q\u00eb klienti ka ndaluar s\u00eb sjelluri fitim dhe ndonj\u00eb dobi. <\/p>\n<p>\u00c7do klient banke \u00ebsht\u00eb nj\u00eb person konkret q\u00eb zgjedh nj\u00eb kartel\u00eb bankare t\u00eb caktuar sipas nevojave t\u00eb tij ose t\u00eb saj. Udh\u00ebton shpesh \u2014 do t\u00eb jet\u00eb e dobishme nj\u00eb kartel\u00eb me milje. B\u00ebn shum\u00eb blerje \u2014 p\u00ebrsh\u00ebndetje, kartela me keshbek. B\u00ebn shum\u00eb blerje n\u00eb dyqane specifike \u2014 dhe p\u00ebr k\u00ebt\u00eb ka plastik\u00eb partnere t\u00eb ve\u00e7ant\u00eb. Natyrisht, ndonj\u00ebher\u00eb kartela zgjidhet edhe sipas kriterit \"Sh\u00ebrbimi m\u00eb i lir\u00eb\". N\u00eb p\u00ebrgjith\u00ebsi, ka mjaft variabla k\u00ebtu.<\/p>\n<p>Dhe nj\u00ebher\u00ebsh, personi zgjedh vet\u00eb bank\u00ebn \u2014 \u00e7far\u00eb ka kuptim t\u00eb zgjidhni kartel\u00ebn e nj\u00eb banke, p\u00ebrfaq\u00ebsit\u00eb e s\u00eb cil\u00ebs jan\u00eb vet\u00ebm n\u00eb Mosk\u00eb dhe rajon, kur jeni nga Habarovsku? Pavar\u00ebsisht n\u00ebse kartela e till\u00eb \u00ebsht\u00eb dyfish m\u00eb e favorshme, prania e deg\u00ebve t\u00eb bank\u00ebs af\u00ebr mbetet nj\u00eb kriter i r\u00ebnd\u00ebsish\u00ebm. Po, 2019 \u00ebsht\u00eb k\u00ebtu dhe digital \u2014 \u00ebsht\u00eb gjith\u00e7ka p\u00ebr ne, por disa \u00e7\u00ebshtje me disa banka mund t\u00eb zgjidhen vet\u00ebm n\u00eb deg\u00eb. Gjithashtu, nj\u00eb pjes\u00eb e popullsis\u00eb i beson shum\u00eb m\u00eb tep\u00ebr bankave fizike sesa aplikacioneve n\u00eb smartfon, dhe kjo gjithashtu duhet t\u00eb merret parasysh.<\/p>\n<p>Si pasoj\u00eb, arsyet p\u00ebr t\u00eb anuluar produktet e bank\u00ebs (apo vet\u00eb bank\u00ebn) mund t\u00eb jen\u00eb t\u00eb shumta. K\u00ebmbova pun\u00ebn, dhe tarifa e kart\u00ebs kaloi nga \"Kart\u00eb pagese\" n\u00eb \"P\u00ebr t\u00eb zakonshmit\", e cila \u00ebsht\u00eb m\u00eb pak e favorshme. U transferova n\u00eb nj\u00eb qytet tjet\u00ebr, ku nuk ka deg\u00eb t\u00eb bank\u00ebs. Nuk m\u00eb p\u00eblqeu komunikimi me nj\u00eb operator t\u00eb pav\u00ebrtet\u00eb n\u00eb deg\u00eb. Pra, arsyet p\u00ebr mbylljen e llogaris\u00eb mund t\u00eb jen\u00eb madje shum\u00eb m\u00eb tep\u00ebr se ato p\u00ebr p\u00ebrdorimin e produktit.<\/p>\n<p>Po ashtu, klienti mund t\u00eb mos shpreh\u00eb thjesht qart\u00eb q\u00ebllimin e tij \u2014 t\u00eb shkoj\u00eb n\u00eb bank\u00eb dhe t\u00eb shkruaj\u00eb nj\u00eb k\u00ebrkes\u00eb, por vet\u00ebm t\u00eb ndaloj\u00eb s\u00eb p\u00ebrdoruri produktet, pa e \u00e7aktivizuar kontrat\u00ebn. Kjo \u00ebsht\u00eb p\u00ebr t\u00eb kuptuar k\u00ebto lloj situatash q\u00eb u vendos t\u00eb p\u00ebrdoret m\u00ebsimi me makin\u00eb dhe AI.<\/p>\n<p>P\u00ebr m\u00eb tep\u00ebr, humbja e klient\u00ebve mund t\u00eb ndodh\u00eb n\u00eb \u00e7do sektor (telekomunikacion, ofrues interneti, kompani sigurimesh, n\u00eb p\u00ebrgjith\u00ebsi, kudo ku ka nj\u00eb baz\u00eb klient\u00ebsh dhe transaksione periodike).<\/p>\n<h2>\u00c7far\u00eb b\u00ebm\u00eb<\/h2>\n<p>\nS\u00eb pari, duhej t\u00eb p\u00ebrshkruhej nj\u00eb kufi i qart\u00eb \u2014 nga cila koh\u00eb fillojm\u00eb ta konsiderojm\u00eb klientin si t\u00eb larguar. Nga k\u00ebndv\u00ebshtrimi i bank\u00ebs, q\u00eb na ofroi t\u00eb dh\u00ebnat p\u00ebr pun\u00eb, gjendja e aktivit t\u00eb klientit ishte binare \u2014 ai \u00ebsht\u00eb ose aktiv, ose jo. N\u00eb tabel\u00ebn 'Aktiviteti' kishte nj\u00eb flamur ACTIVE_FLAG, vlera e t\u00eb cilit mund t\u00eb ishte ose '0' ose '1' (p\u00ebrkat\u00ebsisht, 'Jo Aktiv' dhe 'Aktiv'). Dhe gjith\u00e7ka do t\u00eb ishte mir\u00eb, por njeriu \u00ebsht\u00eb i till\u00eb q\u00eb mund t\u00eb p\u00ebrdor\u00eb aktivisht nj\u00eb periudh\u00eb dhe pastaj t\u00eb bie jasht\u00eb numrit t\u00eb aktiv\u00ebve p\u00ebr nj\u00eb muaj \u2014 mund t\u00eb jet\u00eb i s\u00ebmur\u00eb, \u00ebsht\u00eb larguar n\u00eb nj\u00eb vend tjet\u00ebr p\u00ebr pushime, ose madje \u00ebsht\u00eb duke testuar kart\u00ebn e nj\u00eb banke tjet\u00ebr. Dhe ndoshta pas nj\u00eb periudhe t\u00eb gjat\u00eb pasiviteti, do t\u00eb filloj\u00eb p\u00ebrs\u00ebri t\u00eb p\u00ebrdor\u00eb sh\u00ebrbimet e bank\u00ebs.<\/p>\n<p>Prandaj vendos\u00ebm ta quajm\u00eb nj\u00eb periudh\u00eb pasiviteti nj\u00eb interval t\u00eb vazhduesh\u00ebm kohor, gjat\u00eb t\u00eb cilit flamuri p\u00ebr t\u00eb ishte p\u00ebrcaktuar si '0'. <\/p>\n<p><img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/c4263f11be0f122e54ed7985ba0d2c9d.png\" style=\"display:block;margin: 0 auto;\" \/><br \/>\n<br \/>\nKlient\u00ebt kalojn\u00eb nga inaktiv n\u00eb aktiv pas periudhash inaktiviteti t\u00eb ndryshme. K\u00ebshtu, ne kemi mund\u00ebsin\u00eb t\u00eb llogarisim grad\u00ebn empirike t\u00eb \"besueshm\u00ebris\u00eb s\u00eb periudhave inaktiviteti\" \u2014 dometh\u00ebn\u00eb probabilitetin q\u00eb nj\u00eb person do t\u00eb rinis\u00eb p\u00ebrdorimin e produkteve t\u00eb bank\u00ebs pas nj\u00eb periudhe inaktiviteti. <\/p>\n<p>P\u00ebr shembull, n\u00eb k\u00ebt\u00eb grafik ilustrohet rinovimi i aktivizmit (ACTIVE_FLAG=1) t\u00eb klient\u00ebve pas disa muajsh inaktiviteti (ACTIVE_FLAG=0).<\/p>\n<p><img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/3828c06a86ca6b43e77a6de61f768804.png\" style=\"display:block;margin: 0 auto;\" \/><br \/>\n<br \/>\nK\u00ebtu do t\u00eb sqarojm\u00eb pak datat me t\u00eb cilat kemi filluar t\u00eb punojm\u00eb. Pra, banka ka ofruar informacion t\u00eb agreguar p\u00ebr 19 muaj n\u00eb tabelat e m\u00ebposhtme:<\/p>\n<ul>\n<li>\"Aktiviteti\" \u2014 transaksionet mujore t\u00eb klient\u00ebve (p\u00ebr kartat, n\u00eb internet bank\u00eb dhe bank\u00eb mobile), duke p\u00ebrfshir\u00eb pagesat e pagave dhe informacionin rreth xhirove.<\/li>\n<li>\"Kartat\" \u2014 t\u00eb dh\u00ebnat p\u00ebr t\u00eb gjitha kartat q\u00eb ka klienti, me nj\u00eb struktur\u00eb t\u00eb detajuar tarifore.<\/li>\n<li>\"Marr\u00ebveshjet\" \u2014 informacioni mbi marr\u00ebveshjet e klientit (si t\u00eb hapura ashtu edhe t\u00eb mbyllura): kredi, depozita dhe t\u00eb tjera, duke treguar parametrat e secil\u00ebs.<\/li>\n<li>\"Klient\u00ebt\" \u2014 nj\u00eb set t\u00eb dh\u00ebnash demografike (gjinia dhe mosha) dhe disponueshm\u00ebria e t\u00eb dh\u00ebnave p\u00ebr kontakt.<\/li>\n<\/ul>\n<p>\nP\u00ebr pun\u00eb na nevojiteshin t\u00eb gjitha tabelat, p\u00ebrve\u00e7 \"Hart\u00ebs\". <\/p>\n<p>V\u00ebshtir\u00ebsia k\u00ebtu ishte edhe n\u00eb faktin se, n\u00eb k\u00ebto t\u00eb dh\u00ebna, banka nuk kishte treguar se cila aktivitet konkret niste nga kartat. Pra, mund t\u00eb kuptonim n\u00ebse kishte transaksione, por t\u00eb p\u00ebrcaktonim llojin e tyre \u2014 nuk mund\u00ebm. Prandaj, nuk ishte e qart\u00eb n\u00ebse klienti po t\u00ebrheqte para, po merrte pag\u00ebn, apo po shpenzonte para p\u00ebr blerje. Dhe nuk kishim t\u00eb dh\u00ebna p\u00ebr saldo t\u00eb llogarive, q\u00eb do t\u00eb kishte qen\u00eb e dobishme. <\/p>\n<p>Pika e vet\u00eb \u00ebsht\u00eb se mostra ishte e paanshme \u2014 n\u00eb k\u00ebt\u00eb prerje p\u00ebr 19 muaj banka nuk kishte b\u00ebr\u00eb asnj\u00eb p\u00ebrpjekje p\u00ebr t\u00eb mbajtur klient\u00ebt dhe p\u00ebr t\u00eb minimizuar ikjen e tyre.<\/p>\n<p>Pra, p\u00ebr periudhat e pasivitetit.<\/p>\n<p>P\u00ebr formulimin e p\u00ebrcaktimit t\u00eb ikjes duhet t\u00eb zgjidhet nj\u00eb periudh\u00eb pasiviteti. P\u00ebr t\u00eb krijuar nj\u00eb parashikim t\u00eb ikjes n\u00eb nj\u00eb moment t\u00eb caktuar <img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/d2faf7d1a11c2770987ab6316b1db5e8.png\" style=\"display:block;margin: 0 auto;\" \/>, duhet t\u00eb kemi histori klient\u00ebsh p\u00ebr t\u00eb pakt\u00ebn 3 muaj n\u00eb intervalin e <img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/194e5601c2f0f49866d8e8e5a9ff5993.png\" style=\"display:block;margin: 0 auto;\" \/>. Historia jon\u00eb ishte e kufizuar n\u00eb 19 muaj, prandaj vendos\u00ebm t\u00eb marrim periudh\u00ebn e pasivitetit prej 6 muajsh, n\u00ebse ekziston. Dhe p\u00ebr periudh\u00ebn minimale p\u00ebr nj\u00eb parashikim cil\u00ebsor, mor\u00ebm 3 muaj. Numrat n\u00eb 3 dhe 6 muaj i mor\u00ebm empirikisht mbi baz\u00ebn e analiz\u00ebs s\u00eb sjelljes s\u00eb k\u00ebtyre klient\u00ebve.<\/p>\n<p>Ne e formuluar k\u00ebshtu: muaji i shk\u00ebputjes s\u00eb klientit <img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/3d581f5378975105aa6e73cacc175aeb.png\" style=\"display:block;margin: 0 auto;\" \/> ky \u00ebsht\u00eb muaji i par\u00eb me ACTIVE_FLAG=0, ku nga ky muaj ndodhin t\u00eb pakt\u00ebn gjasht\u00eb zero rresht n\u00eb fush\u00ebn ACTIVE_FLAG, n\u00eb fuqi, muaji, nga i cili klienti ka qen\u00eb joaktiv p\u00ebr 6 muaj. <\/p>\n<p><img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/04ea6d4c59a9497733e4a181a4a5847c.png\" style=\"display:block;margin: 0 auto;\" \/><br \/>\n<i>Numri i klient\u00ebve q\u00eb kan\u00eb ikur<\/i><\/p>\n<p><img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/4d470cbe91bbc6ee7ddfd1933e90e62c.png\" style=\"display:block;margin: 0 auto;\" \/><br \/>\n<i>Numri i klient\u00ebve t\u00eb mbetur<\/i><\/p>\n<h2>Si zakonisht konsiderohet shk\u00ebputja<\/h2>\n<p>\nN\u00eb konkurse t\u00eb tilla, dhe n\u00eb p\u00ebrgjith\u00ebsi n\u00eb praktik\u00eb, shk\u00ebputja shpesh parashikohet n\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb. Klienti p\u00ebrdor produkte dhe sh\u00ebrbime n\u00eb intervale t\u00eb ndryshme kohore, t\u00eb dh\u00ebnat p\u00ebr nd\u00ebrveprimin me t\u00eb paraqiten si nj\u00eb vektor tipar\u00ebsh me gjat\u00ebsi fikse n. M\u00eb s\u00eb shpeshti, kjo informacion p\u00ebrfshin:<\/p>\n<ul>\n<li>T\u00eb dh\u00ebna q\u00eb karakterizojn\u00eb p\u00ebrdoruesin (t\u00eb dh\u00ebna demografike, segmenti i marketingut).<\/li>\n<li>Historia e p\u00ebrdorimit t\u00eb produkteve dhe sh\u00ebrbimeve bankare (k\u00ebto jan\u00eb veprimet e klient\u00ebve, t\u00eb cilat gjithmon\u00eb lidhen me nj\u00eb koh\u00eb ose periudh\u00eb t\u00eb caktuar t\u00eb intervalit q\u00eb na nevojitet).<\/li>\n<li>T\u00eb dh\u00ebna t\u00eb jashtme, n\u00ebse \u00ebsht\u00eb e mundur t\u00eb merren \u2014 p\u00ebr shembull, komente nga mediat sociale.<\/li>\n<\/ul>\n<p>\nDhe pas k\u00ebsaj ata japin nj\u00eb definim t\u00eb shkarkimit, t\u00eb tyren p\u00ebr \u00e7do detyr\u00eb. Pastaj p\u00ebrdorin nj\u00eb algorit\u00ebm t\u00eb m\u00ebsimit t\u00eb makinave q\u00eb parashikon probabilitetin e largimit t\u00eb klientit. <img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/79ce2d7f3193a9aab0b985c9a0cd0ee1.png\" style=\"display:block;margin: 0 auto;\" \/> sipas vektorit t\u00eb faktor\u00ebve. <img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/546791c513159e41d5950adca001d620.png\" style=\"display:block;margin: 0 auto;\" \/>P\u00ebr t\u00eb st\u00ebrvitur algoritmin, ata p\u00ebrdorin nj\u00eb nga \u00e7adrat e njohura p\u00ebr nd\u00ebrtimin e ansambleve t\u00eb pem\u00ebve vendimmarr\u00ebse, <noindex><a rel=\"nofollow\" href=\"https:\/\/xgboost.readthedocs.io\/en\/latest\/\">XGBoost<\/a><\/noindex>, <noindex><a rel=\"nofollow\" href=\"https:\/\/github.com\/Microsoft\/LightGBM\">LightGBM<\/a><\/noindex>, <noindex><a rel=\"nofollow\" href=\"https:\/\/github.com\/catboost\/catboost\">CatBoost<\/a><\/noindex> apo modifikimet e tyre. <\/p>\n<p>Algoritmi vet\u00eb \u00ebsht\u00eb i mir\u00eb, por n\u00eb lidhje me parashikimin e shkarkimit ka disa disavantazhe t\u00eb r\u00ebnd\u00ebsishme.<\/p>\n<ul>\n<li><b>Ai nuk ka at\u00eb q\u00eb quhet \"memorie\".<\/b>N\u00eb hyrje t\u00eb modelit, jepet nj\u00eb sasi e caktuar faktor\u00ebsh q\u00eb p\u00ebrputhen me momentin aktual. P\u00ebr t\u00eb inkorporuar informacionin n\u00eb lidhje me historin\u00eb e ndryshimeve t\u00eb parameter\u00ebve, \u00ebsht\u00eb e nevojshme t\u00eb llogariten faktor\u00eb t\u00eb ve\u00e7ant\u00eb q\u00eb karakterizojn\u00eb ndryshimet e parameter\u00ebve n\u00eb koh\u00eb, si p.sh., numri ose shuma e transaksioneve bankare p\u00ebr tre muajt e fundit. Ky qasje mund t\u00eb pasqyroj\u00eb vet\u00ebm pjes\u00ebrisht karakterin e ndryshimeve temporale. <\/li>\n<li><b>Horizonti fiks i parashikimit.<\/b> Modeli \u00ebsht\u00eb n\u00eb gjendje t\u00eb parashikoj\u00eb humbjen e klient\u00ebve vet\u00ebm p\u00ebr nj\u00eb periudh\u00eb t\u00eb paracaktuar, p\u00ebr shembull, parashikimi p\u00ebr nj\u00eb muaj n\u00eb t\u00eb ardhmen. N\u00ebse k\u00ebrkohet nj\u00eb parashikim p\u00ebr nj\u00eb periudh\u00eb tjet\u00ebr, p\u00ebr shembull, p\u00ebr tre muaj, at\u00ebher\u00eb duhet t\u00eb ristrukturohet grupi i m\u00ebsimit dhe t\u00eb ri-ndar\u00eb nj\u00eb model t\u00eb ri. <\/li>\n<\/ul>\n<p><\/p>\n<h2>Qasja jon\u00eb<\/h2>\n<p>\nNe e vendos\u00ebm qart\u00eb q\u00eb nuk do ta p\u00ebrdorim qasjen standarde. N\u00eb gar\u00ebn regjistruan edhe 497 individ\u00eb t\u00eb tjer\u00eb, \u00e7do nj\u00ebri prej t\u00eb cil\u00ebve kishte nj\u00eb p\u00ebrvoj\u00eb t\u00eb konsiderueshme. Pra, t\u00eb p\u00ebrpiqesh t\u00eb b\u00ebsh di\u00e7ka sipas skem\u00ebs standarde n\u00eb k\u00ebto kushte \u2014 nuk \u00ebsht\u00eb ideja m\u00eb e mir\u00eb.<\/p>\n<p>Dhe ne filluam t\u00eb zgjidhim problemet q\u00eb i ndikojn\u00eb modelit t\u00eb klasifikimit binar, duke p\u00ebrdorur parashikimin e shp\u00ebrndarjes probabiliste t\u00eb koh\u00ebs s\u00eb humbjes s\u00eb klient\u00ebve. Nj\u00eb qasje e till\u00eb mund t\u00eb shihet <noindex><a rel=\"nofollow\" href=\"https:\/\/ragulpr.github.io\/assets\/draft_master_thesis_martinsson_egil_wtte_rnn_2016.pdf\">k\u00ebtu<\/a><\/noindex>, ajo lejon parashikimin m\u00eb fleksib\u00ebl t\u00eb humbjes dhe verifikimin e hipotezave m\u00eb t\u00eb komplikuara se sa n\u00eb qasjen klasike. Si grup shp\u00ebrndarjesh q\u00eb modelon koh\u00ebn e humbjes, ne zgjodh\u00ebm shp\u00ebrndarjen <noindex><a rel=\"nofollow\" href=\"https:\/\/ru.wikipedia.org\/wiki\/%D0%A0%D0%B0%D1%81%D0%BF%D1%80%D0%B5%D0%B4%D0%B5%D0%BB%D0%B5%D0%BD%D0%B8%D0%B5_%D0%92%D0%B5%D0%B9%D0%B1%D1%83%D0%BB%D0%BB%D0%B0\">Weibull<\/a><\/noindex> p\u00ebr aplikimin e saj t\u00eb gjer\u00eb n\u00eb analiz\u00ebn e mbijetes\u00ebs. Shtyrja e klient\u00ebve mund t\u00eb konsiderohet si nj\u00eb lloj mbijetes\u00eb. <\/p>\n<p>Ja jan\u00eb shembuj t\u00eb shp\u00ebrndarjeve t\u00eb densiteteve t\u00eb probabilitetit Weibull n\u00eb var\u00ebsi t\u00eb parametrave <img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/57c935da52faf825ceedb4389d21c354.png\" style=\"display:block;margin: 0 auto;\" \/> dhe <img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/85d1c92d5b9dfa83d13092edefb29a09.png\" style=\"display:block;margin: 0 auto;\" \/>:<\/p>\n<p><img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/371e51ab8df2c10d5b139aadf290ebf8.png\" style=\"display:block;margin: 0 auto;\" \/><br \/>\n<br \/>\nKjo \u00ebsht\u00eb densiteti i shp\u00ebrndarjes s\u00eb probabilitetit t\u00eb ikjes s\u00eb klient\u00ebve t\u00eb tre klient\u00ebve t\u00eb ndrysh\u00ebm me kalimin e koh\u00ebs. Koha paraqitet n\u00eb muaj. N\u00eb fjal\u00eb t\u00eb tjera, ky grafikon tregon se kur \u00ebsht\u00eb m\u00eb e mundshme q\u00eb ikja e klientit t\u00eb ndodh\u00eb n\u00eb dy muajt n\u00eb vazhdim. Si\u00e7 duket, klienti me shp\u00ebrndarjen, ka nj\u00eb potencial m\u00eb t\u00eb madh p\u00ebr t'u larguar m\u00eb her\u00ebt se klient\u00ebt me shp\u00ebrndarjet Weibull(2, 0.5) dhe Weibull(3,1). <\/p>\n<p>Si rezultat, krijohet nj\u00eb model q\u00eb p\u00ebr \u00e7do klient n\u00eb \u00e7do<br \/>\nmuaj parashikon parametrat e shp\u00ebrndarjes Weibull, q\u00eb pasqyrojn\u00eb m\u00eb s\u00eb miri ndodhin\u00eb e probabilitetit t\u00eb ikjes me kalimin e koh\u00ebs. N\u00ebse flasim m\u00eb shum\u00eb: <\/p>\n<ul>\n<li>Karakteristikat e synuara n\u00eb mostrat e trajnimit \u2014 koha e mbetur deri n\u00eb ikje n\u00eb nj\u00eb muaj t\u00eb caktuar p\u00ebr nj\u00eb klient t\u00eb caktuar.<\/li>\n<li>N\u00ebse nuk ka t\u00eb dh\u00ebna p\u00ebr ikjen e klientit, supozojm\u00eb se koha e ikjes \u00ebsht\u00eb m\u00eb e madhe se numri i muajve nga aktuali deri n\u00eb fund t\u00eb historis\u00eb q\u00eb kemi.<\/li>\n<li>Modeli i p\u00ebrdorur: nj\u00eb rrjet nervor rekurent me nj\u00eb nivel LSTM.<\/li>\n<li>Si n\u00eb funksion humbjeje p\u00ebrdorim funksionin e logaritmit negativ t\u00eb t\u00eb dh\u00ebnave t\u00eb distribucionit Weibull.<\/li>\n<\/ul>\n<p>\nJa p\u00ebrfitimet e k\u00ebtij metodi: <\/p>\n<ul>\n<li>Distribucioni probabilistik, p\u00ebrve\u00e7 mund\u00ebsive t\u00eb dukshme p\u00ebr klasifikim binar, lejon parashikimin fleksib\u00ebl t\u00eb ngjarjeve t\u00eb ndryshme, p\u00ebr shembull, a do t\u00eb ndaloj\u00eb nj\u00eb klient s\u00eb p\u00ebrdoruri sh\u00ebrbimet e bank\u00ebs brenda 3 muajve. Gjithashtu, n\u00ebse \u00ebsht\u00eb e nevojshme, mund t\u00eb mesaturohen metrika t\u00eb ndryshme sipas k\u00ebtij distribucioni.<\/li>\n<li>Rrjeti nervor rekurent LSTM ka kujtes\u00eb dhe p\u00ebrdor n\u00eb m\u00ebnyr\u00eb efektive gjith\u00eb historin\u00eb e disponueshme. Me zgjerimin ose sakt\u00ebsimin e historis\u00eb, sakt\u00ebsia rritet.<\/li>\n<li>Qasja mund t\u00eb shkall\u00ebzohet leht\u00ebsisht duke ndar\u00eb intervalet e koh\u00ebs n\u00eb pjes\u00eb m\u00eb t\u00eb vogla (p\u00ebr shembull, duke ndar\u00eb muajt n\u00eb jav\u00eb).<\/li>\n<\/ul>\n<p>\nPor \u00ebsht\u00eb e pamjaftueshme t\u00eb krijosh nj\u00eb model t\u00eb mir\u00eb, duhet gjithashtu ta vler\u00ebsosh at\u00eb si\u00e7 duhet.<\/p>\n<h2>Si e vler\u00ebsuam cil\u00ebsin\u00eb<\/h2>\n<p>\nSi metrik\u00eb ne zgjodh\u00ebm Lift Curve. Ajo p\u00ebrdoret n\u00eb biznes p\u00ebr raste t\u00eb ngjashme p\u00ebr shkak t\u00eb interpretimit t\u00eb qart\u00eb, \u00ebsht\u00eb p\u00ebrshkruar mir\u00eb <noindex><a rel=\"nofollow\" href=\"http:\/\/www2.cs.uregina.ca\/~dbd\/cs831\/notes\/lift_chart\/lift_chart.html\">k\u00ebtu<\/a><\/noindex> dhe <noindex><a rel=\"nofollow\" href=\"https:\/\/www.information-management.com\/news\/why-lift\">k\u00ebtu<\/a><\/noindex>. N\u00ebse e p\u00ebrshkruani kuptimin e k\u00ebsaj metrike n\u00eb nj\u00eb fraz\u00eb, rezulton \"Sa her\u00eb algoritmi b\u00ebn nj\u00eb parashikim m\u00eb t\u00eb mir\u00eb n\u00eb fillim <img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/72818f84f73c2838fe7d63b33a96fd7b.png\" style=\"display:block;margin: 0 auto;\" \/>%, se p\u00ebr rast\u00ebsorin. <\/p>\n<h2>St\u00ebrvitim modelesh<\/h2>\n<p>\nKushtet e gar\u00ebs nuk p\u00ebrcaktuan nj\u00eb metrik t\u00eb caktuar cil\u00ebsie p\u00ebr t\u00eb krahasuar modelet dhe qasjet e ndryshme. P\u00ebr m\u00eb tep\u00ebr, p\u00ebrcaktimi i konceptit t\u00eb shkall\u00ebs mund t\u00eb jet\u00eb i ndrysh\u00ebm dhe mund t\u00eb varet nga formimi i detyr\u00ebs, i cila p\u00ebrcaktohet nga objektivat e biznesit. Prandaj, p\u00ebr t\u00eb kuptuar se cili metod\u00eb \u00ebsht\u00eb m\u00eb e mir\u00eb, ne st\u00ebrvit\u00ebm dy modele:<\/p>\n<ol>\n<li>Qasja e p\u00ebrdorur shpesh e klasifikimit binar duke p\u00ebrdorur algoritmin e m\u00ebsimit t\u00eb makinerive me ansamb\u00ebl t\u00eb pem\u00ebve vendimmarr\u00ebse (<noindex><a rel=\"nofollow\" href=\"https:\/\/github.com\/Microsoft\/LightGBM\">LightGBM<\/a><\/noindex>);<\/li>\n<li> Modeli Weibull-LSTM<\/li>\n<\/ol>\n<p>\nGrupi testues p\u00ebrb\u00ebhej nga 500 klient\u00eb t\u00eb zgjedhur paraprakisht, t\u00eb cil\u00ebt nuk ishin n\u00eb grupin e st\u00ebrvitjes. P\u00ebr modelin u b\u00eb zgjedhja e hiper-parametrave duke p\u00ebrdorur validimin e kryq\u00ebzuar me ndarje sipas klient\u00ebve. P\u00ebr st\u00ebrvitjen e \u00e7do modeli u p\u00ebrdor\u00ebn t\u00eb nj\u00ebjtat grupe ve\u00e7orash. <\/p>\n<p>Duke modeli nuk ka memorie, u mor\u00ebn ve\u00e7ori t\u00eb ve\u00e7anta q\u00eb tregojn\u00eb lidhjen mes ndryshimeve t\u00eb parametrave t\u00eb nj\u00eb muaji n\u00eb krahasim me mesataren e parametrave p\u00ebr tre muajt e fundit. Kjo karakterizonte shpejt\u00ebsin\u00eb e ndryshimit t\u00eb vlerave p\u00ebr periudh\u00ebn e fundit prej tre muajsh. Pa k\u00ebt\u00eb, modeli bazuar n\u00eb Random Forest do t\u00eb ishte n\u00eb nj\u00eb pozicion t\u00eb dob\u00ebt n\u00eb krahasim me Weibull-LSTM.<\/p>\n<h2>Si \u00ebsht\u00eb m\u00eb i mir\u00eb LSTM me shp\u00ebrndarje Weibull se qasja e bazuar n\u00eb nj\u00eb ansamb\u00ebl pem\u00ebsh vendimi? <\/h2>\n<p>\nK\u00ebtu \u00ebsht\u00eb gjith\u00e7ka e qart\u00eb, p\u00ebrmes disa figurave.<\/p>\n<p><img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/0a87a27804f1b285f66a889ed798cf6b.png\" style=\"display:block;margin: 0 auto;\" \/><br \/>\n<i>Krahasimi i Lift Curve p\u00ebr algoritmin klasik dhe Weibull-LSTM.<\/i><\/p>\n<p><img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/6c281677260098c7993a690c923692c8.png\" style=\"display:block;margin: 0 auto;\" \/><br \/>\n<i>Krahasimi i metrik\u00ebs Lift Curve p\u00ebr muajt p\u00ebr algoritmin klasik dhe Weibull-LSTM.<\/i><\/p>\n<p>N\u00eb p\u00ebrgjith\u00ebsi, LSTM e tejkalon algoritmin klasik n\u00eb pothuajse t\u00eb gjitha rastet.<\/p>\n<h2>Parashikimi i humbjes s\u00eb klient\u00ebve.<\/h2>\n<p>\nModeli i bazuar n\u00eb rrjetin neuronik rekurent me qelizat LSTM dhe shp\u00ebrndarjen Weibull mund t\u00eb parashikoj\u00eb braktisjen n\u00eb m\u00ebnyr\u00eb t\u00eb avancuar, p\u00ebr shembull, t\u00eb parashikoj\u00eb largimin e klientit brenda muajve t\u00eb ardhsh\u00ebm n. Let's consider the case for n = 3. N\u00eb k\u00ebt\u00eb rast, p\u00ebr \u00e7do muaj, rrjeti nervor duhet t\u00eb identifikoj\u00eb sakt\u00ebsisht n\u00ebse klienti do t\u00eb largohet duke filluar nga muaji i ardhsh\u00ebm deri n\u00eb muajin n. N\u00eb terma t\u00eb tjer\u00eb, ai duhet t\u00eb identifikoj\u00eb sakt\u00ebsisht n\u00ebse klienti do t\u00eb q\u00ebndroj\u00eb pas n muajve. Kjo mund t\u00eb konsiderohet si nj\u00eb parashikim i avancuar: parashikimi i momentit kur klienti fillon t\u00eb mendoj\u00eb p\u00ebr t'u larguar. <\/p>\n<p>Le t\u00eb krahasojm\u00eb Lift Curve p\u00ebr Weibull-LSTM n\u00eb 1, 2 dhe 3 muaj m\u00eb her\u00ebt nga largimi:<\/p>\n<p><img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/4b2ed9cb21844cf5dc8f54bcfe092a9d.png\" style=\"display:block;margin: 0 auto;\" \/><br \/>\n<br \/>\nKemi shkruar m\u00eb lart se parashikimet p\u00ebr klient\u00ebt q\u00eb bien nga aktiv\u00ebt p\u00ebr nj\u00eb koh\u00eb t\u00eb caktuar jan\u00eb gjithashtu t\u00eb r\u00ebnd\u00ebsishme. Prandaj, k\u00ebtu do t\u00eb shtojm\u00eb n\u00eb most\u00ebr raste kur klienti i larguar tashm\u00eb ka qen\u00eb jo-aktiv p\u00ebr nj\u00eb ose dy muaj dhe do t\u00eb kontrollojm\u00eb q\u00eb Weibull-LSTM t\u00eb klasifikoj\u00eb sakt\u00ebsisht k\u00ebto raste si braktisje. Duke qen\u00eb se k\u00ebto raste ishin t\u00eb pranishme n\u00eb most\u00ebr, ne presim q\u00eb rrjeti t\u00eb p\u00ebrballoj\u00eb mir\u00eb me to:<\/p>\n<p><img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/4fe6e918aff2f16758c671c8d547895d.png\" style=\"display:block;margin: 0 auto;\" \/><br \/>\n<\/p>\n<h2>Retentimi i klient\u00ebve<\/h2>\n<p>\nKjo \u00ebsht\u00eb pik\u00ebrisht ajo q\u00eb mund t\u00eb b\u00ebni, duke pasur informacionin se disa klient\u00eb po p\u00ebrgatiten t\u00eb ndalin p\u00ebrdorimin e produktit. Kur flasim p\u00ebr nd\u00ebrtimin e nj\u00eb modeli q\u00eb mund t\u00eb ofroj\u00eb di\u00e7ka t\u00eb dobishme p\u00ebr klient\u00ebt p\u00ebr t'i mbajtur ata \u2014 kjo nuk do t\u00eb b\u00ebhet n\u00ebse nuk keni histori t\u00eb p\u00ebrpjekjeve t\u00eb tilla q\u00eb kan\u00eb p\u00ebrfunduar mir\u00eb.<\/p>\n<p>Ne nuk kemi pasur nj\u00eb histori t\u00eb till\u00eb, prandaj vendos\u00ebm k\u00ebshtu.<\/p>\n<ol>\n<li>Nd\u00ebrtojm\u00eb nj\u00eb model q\u00eb p\u00ebrcakton produkte interesante p\u00ebr \u00e7do klient.<\/li>\n<li>\u00c7do muaj ekzekutojm\u00eb klasifikuesin dhe p\u00ebrcaktojm\u00eb klient\u00ebt potencialisht n\u00eb ikje.<\/li>\n<li>Disa klient\u00ebve u ofrojm\u00eb produkte, sipas modelit nga pika 1, dhe mbajm\u00eb mend veprimet tona.<\/li>\n<li>Pas disa muajsh shohim se kush nga k\u00ebta klient\u00eb potencialisht n\u00eb ikje ka ikur dhe kush ka mbetur. K\u00ebshtu formojm\u00eb nj\u00eb grup m\u00ebsimor.<\/li>\n<li>E trajnojm\u00eb modelin n\u00eb histori, t\u00eb marr\u00eb nga pika 4.<\/li>\n<li>Opcionalisht, p\u00ebrs\u00ebrisim procedur\u00ebn, duke z\u00ebvend\u00ebsuar modelin nga pika 1 me modelin e marr\u00eb nga pika 5.<\/li>\n<\/ol>\n<p>\nNj\u00eb testim i zakonsh\u00ebm A\/B mund t\u00eb sh\u00ebrbej\u00eb si nj\u00eb kontroll i cil\u00ebsis\u00eb p\u00ebr k\u00ebt\u00eb lloj mbajtjeje \u2014 ndajn\u00eb klient\u00ebt q\u00eb potencialisht po largohen n\u00eb dy grupe. Nj\u00eb grupi i ofrojm\u00eb produkte bazuar n\u00eb modelin ton\u00eb t\u00eb mbajtjes, kurse grupit tjet\u00ebr nuk u ofrojm\u00eb asgj\u00eb. Ne vendos\u00ebm t\u00eb trajnojm\u00eb nj\u00eb model q\u00eb mund t\u00eb sjell\u00eb dobi q\u00eb n\u00eb pik\u00ebn 1 t\u00eb shembullit ton\u00eb.<\/p>\n<p>Donim ta b\u00ebnim segmentimin sa m\u00eb interpretuese. P\u00ebr k\u00ebt\u00eb, zgjodh\u00ebm disa karakteristika q\u00eb mund t\u00eb ishin leht\u00ebsisht interpretuese: numri total i transaksioneve, paga, volumi i p\u00ebrgjithsh\u00ebm i llogaris\u00eb, mosha, gjinia. Karakteristikat nga tabela 'Kartat' nuk u mor\u00ebn parasysh si t\u00eb pakrer\u00eb informative, nd\u00ebrsa karakteristikat nga tabela 3 'Marr\u00ebveshjet' \u2014 p\u00ebr shkak t\u00eb kompleksitetit n\u00eb p\u00ebrpunim p\u00ebr t\u00eb parandaluar k\u00ebt\u00eb rrjedhje t\u00eb t\u00eb dh\u00ebnave midis grupeve t\u00eb verifikimit dhe atyre p\u00ebr trajnim.<\/p>\n<p>Klastrimi u krye me modelet e p\u00ebrzierjes Gaussian. Kriteri informativ i Akaikes ndihmoi n\u00eb p\u00ebrcaktimin e 2 optimumeve. Optimumi i par\u00eb korrespondon me 1 klaster. Optimumi i dyt\u00eb, m\u00eb pak i shprehur, korrespondon me 80 klastere. Nga ky rezultat mund t\u00eb nxirret p\u00ebrfundimi se t\u00eb dh\u00ebnat jan\u00eb shum\u00eb t\u00eb v\u00ebshtira p\u00ebr t'u ndar\u00eb n\u00eb klastere pa informacion t\u00eb dh\u00ebn\u00eb paraprakisht. P\u00ebr nj\u00eb klastrim m\u00eb cil\u00ebsor, nevojiten t\u00eb dh\u00ebna q\u00eb p\u00ebrshkruajn\u00eb n\u00eb detaje secilin klient.<\/p>\n<p>Prandaj, u shqyrtua detyra e m\u00ebsimit me m\u00ebsues, p\u00ebr t\u00eb proponuar nj\u00eb produkt t\u00eb ve\u00e7ant\u00eb p\u00ebr \u00e7do klient t\u00eb ve\u00e7ant\u00eb. Produktet e shqyrtuara p\u00ebrfshinin: \"Depositi afatgjat\u00eb\", \"Karta e kreditit\", \"Ovedrafi\", \"Kredi Konsumi\", \"Kredia e automjetit\", \"Hipoteka\". <\/p>\n<p>N\u00eb t\u00eb dh\u00ebna ekzistonte nj\u00eb lloj produkti tjet\u00ebr: \"Llogaria Aktualle\". Por ne nuk e shqyrtuam at\u00eb p\u00ebr shkak t\u00eb informativitetit t\u00eb ul\u00ebt. Modeli ishte nd\u00ebrtuar mbi p\u00ebrdoruesit q\u00eb jan\u00eb klient\u00eb t\u00eb bank\u00ebs, pra ata q\u00eb nuk kan\u00eb nd\u00ebrprer\u00eb p\u00ebrdorimin e produkteve t\u00eb saj, p\u00ebr t\u00eb parashikuar se cili produkt mund t\u00eb jet\u00eb i interesit t\u00eb tyre. P\u00ebr k\u00ebt\u00eb model u zgjodh regresioni logjistik, dhe si metrik\u00eb p\u00ebr vler\u00ebsimin e cil\u00ebsis\u00eb u p\u00ebrdor vlera e Lift p\u00ebr percentilet e para 10. <\/p>\n<p>Cil\u00ebsia e modelit mund t\u00eb vler\u00ebsohet n\u00eb figur\u00eb.<\/p>\n<p><img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/77cab18988ab9c3b768b86e31479817f.png\" style=\"display:block;margin: 0 auto;\" \/><br \/>\n<i>Rezultatet e modelit t\u00eb rekomandimit t\u00eb produkteve p\u00ebr klient\u00ebt <\/i> <\/p>\n<h2>P\u00ebrfundimi<\/h2>\n<p>\nKy qasje na \u00e7oi n\u00eb vendin e par\u00eb n\u00eb kategorin\u00eb \"AI n\u00eb banka\" n\u00eb Kampionatin e AI RAIF-Challenge 2017.<\/p>\n<p><img decoding=\"async\" alt=\"Si si parashikoi largimin, duke e trajtuar at\u00eb si nj\u00eb katastrof\u00eb natyrore\" src=\"\/wp-content\/uploads\/2019\/03\/0c321869dfd02323766c025ed4021bcf.png\" style=\"display:block;margin: 0 auto;\" \/><br \/>\n<br \/>\nDuket se e r\u00ebnd\u00ebsishmja ishte t\u00eb afrohemi me problemin nga nj\u00eb k\u00ebndv\u00ebshtrim jo shum\u00eb t\u00eb zakonsh\u00ebm dhe t\u00eb p\u00ebrdorim nj\u00eb metod\u00eb q\u00eb zakonisht p\u00ebrdoret p\u00ebr situata t\u00eb tjera.<\/p>\n<p>Megjithat\u00eb, largimi masiv i p\u00ebrdoruesve mund t\u00eb jet\u00eb nj\u00eb katastrof\u00eb natyrore p\u00ebr sh\u00ebrbimet.<\/p>\n<p>Ky metod mund t\u00eb merret parasysh edhe p\u00ebr \u00e7do fush\u00eb tjet\u00ebr ku \u00ebsht\u00eb e r\u00ebnd\u00ebsishme t\u00eb merren parasysh largimet, jo vet\u00ebm nga bankat. P\u00ebr shembull, ne e kemi p\u00ebrdorur at\u00eb p\u00ebr t\u00eb llogaritur largimin ton\u00eb - n\u00eb deg\u00ebt e Siberis\u00eb dhe Sh\u00ebn Petersburgut t\u00eb Rostelecom.<\/p>\n<p><i>\u00abLaboratori i analiz\u00ebs intelektuale t\u00eb t\u00eb dh\u00ebnave\u00bb kompania \u00abPortali k\u00ebrkues \u00abSputnik\u00bb<\/i><br \/>\n<br \/>Burimi: <a content=\"nofollow\" rel=\"nofollow\" href=\"https:\/\/habr.com\/ru\/company\/rostelecom\/blog\/444694\/\">habr.com<\/a><\/p>","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"<p>\u0418\u043d\u043e\u0433\u0434\u0430 \u0434\u043b\u044f \u0442\u043e\u0433\u043e, \u0447\u0442\u043e\u0431\u044b \u0440\u0435\u0448\u0438\u0442\u044c \u043a\u0430\u043a\u0443\u044e-\u0442\u043e \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0443, \u043d\u0430\u0434\u043e \u043f\u0440\u043e\u0441\u0442\u043e \u0432\u0437\u0433\u043b\u044f\u043d\u0443\u0442\u044c \u043d\u0430 \u043d\u0435\u0435 \u043f\u043e\u0434 \u0434\u0440\u0443\u0433\u0438\u043c \u0443\u0433\u043b\u043e\u043c. \u0414\u0430\u0436\u0435 \u0435\u0441\u043b\u0438 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u043b\u0435\u0442 10 \u043f\u043e\u0434\u043e\u0431\u043d\u044b\u0435 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u044b \u0440\u0435\u0448\u0430\u043b\u0438 \u043e\u0434\u043d\u0438\u043c \u0438 \u0442\u0435\u043c \u0436\u0435 \u0441\u043f\u043e\u0441\u043e\u0431\u043e\u043c \u0441 \u0440\u0430\u0437\u043d\u044b\u043c \u044d\u0444\u0444\u0435\u043a\u0442\u043e\u043c, \u043d\u0435 \u0444\u0430\u043a\u0442, \u0447\u0442\u043e \u044d\u0442\u043e\u0442 \u0441\u043f\u043e\u0441\u043e\u0431 \u0435\u0434\u0438\u043d\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439. \u0415\u0441\u0442\u044c \u0442\u0430\u043a\u0430\u044f \u0442\u0435\u043c\u0430, \u043a\u0430\u043a \u043e\u0442\u0442\u043e\u043a \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432. \u0428\u0442\u0443\u043a\u0430 \u043d\u0435\u0438\u0437\u0431\u0435\u0436\u043d\u0430\u044f, \u043f\u043e\u0442\u043e\u043c\u0443 \u0447\u0442\u043e \u043a\u043b\u0438\u0435\u043d\u0442\u044b \u043b\u044e\u0431\u043e\u0439 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u043c\u043e\u0433\u0443\u0442 \u043f\u043e \u043c\u043d\u043e\u0436\u0435\u0441\u0442\u0432\u0443 \u043f\u0440\u0438\u0447\u0438\u043d \u0432\u0437\u044f\u0442\u044c [&hellip;]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-30044","post","type-post","status-publish","format-standard","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"\u0418\u043d\u043e\u0433\u0434\u0430 \u0434\u043b\u044f \u0442\u043e\u0433\u043e, 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