I-Yandex, ngokubambisana nama-credit bureaus amabili amakhulu, yethule iphrojekthi entsha yokuhlola ababoleki abavela ezikhungweni zamabhange. Ngokwedatha etholakalayo, izinkomba ezingaphezu kwe-1000 ziyacatshangelwa ekuhlaziyeni. Lokhu kubikwe yimithombo emibili engadalulwanga ejwayelene nalolu daba, kanti nomele i-United Credit Bureau (UCB) uqinisekise imininingwane. I-Yandex isebenzisa iphrojekthi efanayo ngokubambisana ne-Equifax.
Iphrojekthi esetshenziswa yi-Yandex ngokuhlanganyela ne-OKB ibizwa ngokuthi "I-Internet Scoring Bureau." Lapho zihlola ukufaneleka kwababoleki, izinkampani "zihlanganisa" amasistimu azo wokushaya amaphuzu, kodwa azikwazi ukufinyelela idatha yomunye nomunye. Ama-credit bureaus anolwazi ngezikweletu, izicelo zemalimboleko, izinkokhelo zababolekayo, kanye nomthwalo wabo wesikweletu. I-Yandex, ngakolunye uhlangothi, inedatha yezibalo kubasebenzisi, egcinwa ngendlela engaziwa. Ukuthola amaphuzu kusekelwe "ezicini zokuhlaziya" ze-Yandex, futhi lokhu kuhlola bese kuhlanganiswe nohlelo lwamagoli lwe-credit bureau. Le ndlela ivumela amaphuzu aphelele, azonikezwa ibhange. I-OKB ithi le ndlela ingasetshenziswa ukuhlola ngaphezu kwama-95% wababoleki.
Kuhle ukuqaphela ukuthi i-Yandex ayivezi idatha ethile yomsebenzisi engaphansi kwemodeli yayo yokushaya amaphuzu. "Idatha engaziwa icutshungulwa ngokuzenzakalelayo ngama-algorithms futhi igcinwa ngokukhethekile ngaphakathi kwesistimu evaliwe ye-Yandex. Amamodeli okuhlaziya asebenzisa izici ezihlukene ezingaphezu kuka-1000. Ngemva kokuhlola, inombolo eyodwa kuphela edluliselwa kuzakwethu, okuwumphumela wokuhlola," omele i-Yandex waphawula. Baphinde baqaphela ukuthi umphumela otholwe ekuhlaziyweni kwedatha yenkampani ye-IT awuwona umhlahlandlela wesenzo futhi awunamthelela esilinganisweni esinikezwa yi-credit bureau.
Umthombo owazi kahle uveze ukuthi i-credit bureau ithumela izihlonzi zabasebenzisi (ikheli le-imeyili nenombolo yeselula) ku-Yandex ngefomu elibethelwe. Le datha yakha isisekelo semodeli esetshenziselwa ukuhlola ukufaneleka kweklayenti. Phakathi nenqubo, i-Yandex ayikwazi ukunquma iklayenti elithile elamukelwe isicelo. Ngaphezu kwalokho, inkampani ayabelani ngedatha yabasebenzisi nabantu besithathu.
Ngokuka-Alexey Bogomolov, oyi-CEO ye-National Rating Agency, ukushaya amaphuzu, ngisho noma kuthathwe kudatha engaziwa nehlanganisiwe, kuvumela amabhange ukuthi ahlole ngokunembe kakhudlwana ukufaneleka kwamakhasimende. Uphinde waphawula ukuthi le nkonzo, ehlelwe yi-Yandex, okwamanje isetshenziswa kwimodi yokuhlola ngamabhange amaningana.
Source: 3dnews.ru
