kecerdasan buatan boleh menguatkan membuat keputusan sebagai pemberi pinjaman melihat cara-cara baru untuk mengurangkan risiko

HDB-Singapura

Dalam masa yang sukar, institusi perlu memanfaatkan kemajuan teknologi untuk membuat keputusan bentuk.

oleh Joelyn Chan

Sebagai ekonomi Asia menghadapi kemelesetan, kebarangkalian hutang pinjaman meningkat. Bank merancang untuk menetapkan mengetepikan peruntukan tambahan untuk kerugian pinjaman, walaupun risikonya tidak lama. Sebagai langkah pengurangan untuk 2020 untuk membantu pinjaman yang terjejas oleh wabak COVID-19 global, beberapa bank wilayah membenarkan peminjam gadai janji kediaman menangguhkan pembayaran pokok dan hanya membayar faedah.

Perumahan Singapura & Lembaga Pembangunan (HDB) juga bersenam fleksibiliti Semasa wabak, membenarkan penangguhan tiga bulan caj pembayaran lewat tunggakan gadai janji HDB dan kemungkinan penangguhan pembayaran dengan ansuran pinjaman selama enam bulan.

Sebagai pemberi pinjaman mencari cara untuk menyerap kejutan yang telah dihantar oleh coronavirus novel melalui sistem kewangan antarabangsa, kecerdasan buatan (AI) solutions could offer a path through the trees.

AI enables more thorough borrower evaluations

mengikut Credit Bureau Singapore, terdapat 112 mortgage defaults registered in 2019. This number is more than double the 65 cases recorded in 2015. The number may further increase in year 2020 due to Covid19 and an impending global recession.

Singapore’s HDB 2018/2019 Annual Report revealed late payment charges on mortgage loans increased from S$28.3 million (AS $ 19.7 juta) dalam 2018 to S$31.8 million (US$22.2million) dalam 2019. With AI, there could be more routine checks on the lender’s ability to pay.

AI can trawl payment default rates, frequency of payment reminders sent and requests for refinancing to build an accurate picture of borrower reliability, reducing the chance of default.

Hari-hari ini, a borrower’s jejak digital can reveal more information on their reliability than traditional credit scores. With access to a rich data set, including social network profiles, AI solutions could build a more rounded consumer profile by curating information on social circles, spending habits and employment information. These data points could open access to credit and loans to borrowers who have been previously denied products based on narrow evaluations of their credit score.

Synergies between AI and humans should not be left untapped

Corporate institutions usually struggle to find data on first-time borrowers. Pada masa yang sama, first-time home buyers are overwhelmed with the complexities of home loan application procedure from multiple providers. Therein lie untapped opportunities and room to improve the lending experience for both parties. AI can handle a large volume of queries and enhance customer experience via client personalisation. For exceptional cases, the customer could then be referred to a customer service officer.

sudah pasti, AI has not reached a level where it can replace the human’s touch. AI algorithms can conduct extensive evaluation but require human supervision and evaluation.

When AI and humans work together, they can deliver optimal performance. AI can assist mortgage lenders to detect potentially fraudulent behaviour, while a human verifies the anomaly cases. Sebagai contoh, AI could run back-end checks to quickly spot inconsistencies or inaccuracies in the application information provided. For potential cases of identity fraud, a human will later intervene to physically verify the loan applicant. This lowers the cost of labour incurred, dan potensi penipuan, yang seterusnya menurunkan kos pinjaman untuk pemberi pinjaman.

Mengenai Pengarang

Joelyn Chan
Joelyn adalah penulis lepas yang berpusat di Singapura. Dia lulus dari Universiti Teknologi Nanyang dengan Ijazah Sarjana Muda dalam bidang Perakaunan dan Perniagaan. Semasa masa lapang, dia meneroka perkembangan terkini dalam fintech dan perniagaan.