Mapulogalamu a Big Data mu Finance

Deta yaikulu ndi yotchuka kwambiri yotchedwa catchphrase m'malo mwa sayansi yamakono ndi njira zowonjezereka zomwe zimatanthawuza kusonkhanitsa ndi kufufuza zambiri zamtunduwu. Kupititsa patsogolo pakugwiritsa ntchito mphamvu zamagetsi pamodzi ndi mitengo yogwera pansi ikupanga mapulani akuluakulu a deta omwe akuwoneka bwino kwambiri komanso azachuma. Makamaka, kubwera kwa cloud computing ndiko kuika mtengo wa chiwerengero chachikulu cha deta mkati mwa mafakitale ang'onoang'ono, omwe tsopano sakufunika kupanga ndalama zazikulu zamalonda muzinthu zawo zowakompyuta.

Gawo latsopano la ntchito, sayansi ya deta, yakula chifukwa cha kukula kwa deta yaikulu.

Mapulogalamu Pazinthu:

Pakati pa ndalama, makamaka mu malonda a zachuma , deta yaikulu ikugwiritsidwa ntchito powonjezereka kwa ntchito, monga:

1. Kuwunika kwa ogwira ntchito ndi kuyang'anira
2. Zitsanzo zowonongeka, monga zomwe zingagwiritsidwe ntchito ndi olemba inshuwalansi kuti apereke malipiro apamwamba ndi oyang'anira ngongole kuti apange zisankho
3. Kukhazikitsa ndondomeko zowonetsera kutsogoleredwa kwa misika yamalonda
4. Mitengo ikuwonongera katundu monga malo enieni

Inshuwalansi ya Auto:

Pofika zaka za m'ma 1980, yemwe anayambitsa Progressive Inshuwalansi ankayembekeza tsiku limene zidziwitso zovuta pazomwe zimayendetsa galimoto zidzasonkhanitsidwe ndikuwonedwa. Izi zikhoza kuwonetsa chiwopsezo chokwanira komanso kuwonetsa zoopsa, motero kuika malire kwapadera. Pakafika chaka cha 2010, makina oyenerera opeza deta anali atapezeka, ndipo tsopano ogula oposa 1 miliyoni avomerezana kuti ali ndi bokosi lakuda lomwe laikidwa mu magalimoto awo omwe amayendetsa, mwachitsanzo, momwe amayendetsa mofulumira komanso momwe iwo amathyola mwadzidzidzi.

Ogulitsa Ngongole:

LendUp imaphatikiza malipoti a ngongole a FICO ndi kufufuza malo ochezera a pa Intaneti omwe amachokera kuzinthu zosiyanasiyana, kuti apange zisankho. Mwachitsanzo, LendUp ili ndi chidwi chodziwa ngati wogulitsa angakhale atasintha manambala a foni nthawi zambiri, zomwe zingasonyeze chiopsezo choipa.

Kampaniyo imakhulupiriranso kuti momwe anthu amagwirizanirana ndi anzawo pa intaneti amapereka ndondomeko yamphamvu yokhudzidwa kwawo ngati obwereka. Anthu omwe amasonyeza maubwenzi amphamvu komanso ogwira mtima kwambiri ndi maubwenzi amtundu wawo amawoneka kuti ndizoopsa kwambiri. Potero, omwe angabwereke akufunsidwa kuti apangitse akaunti zawo za Facebook kukhala zowonongeka.

CapitalOne yaikulu yamakhadi a ngongole, panthawiyi, adakhala wotchuka kwambiri m'zaka za m'ma 1990 kupyolera mwa kugwiritsa ntchito njira zakusonkhanitsa ndi kusanthula deta pofuna kuzindikira momwe angagwiritsire ntchito makadi ake, kubera maulendo ambiri otsutsana nawo.

Kulipira Bwino Kwambiri:

Kabichi watsopano yemwe ali ndi kampani yamakono yopangidwa ndi matekinoloje omwe ali ndi zitsanzo zamakono zogwiritsa ntchito zosiyana siyana monga mafilimu, eBay ndi UPS kuti aone ubwino wa maubwenzi pakati pa omwe angathe kubwereka ndi makasitomala awo.

Kulima Inshuwalansi:

Bungwe la Climate linapanga inshuwalansi ya mbewu kwa alimi. Imeneyi imathamangitsidwa kwambiri kuti iwonetse nyengo zakuthambo komanso kuika malipiro.

Kulipira ngongole:

JPMorgan Chase ikugwiritsira ntchito kufufuza kwakukulu kwa deta kuti mudziwe mtengo wogulitsa wogulitsa nyumba ndi malonda omwe agwiritsidwa ntchito monga zotsatira za ndalama zosasinthika.

Malinga ndi chinsinsi, chitsimikizochi ndicho kuyesa mkhalidwe wa zachuma ndi msika wa malonda kuti uwonetsetse kuti mitengo yogulitsa malonda isanatheke. Ngati izi zikusonyeza kuti malonda a malonda akuyendetsedwa molondola, kusokonezeka ku msika wamalonda ku malo osasinthika, kubwezeretsedwa ndi kugulitsa kwa banki mwachilengedwe ayenera kuchepetsedwa. Kuwonjezera pamenepo, nthawi imene banki imakakamizika kutenga katunduyo musanagulitse katunduyo ayenera kuchepetsedwa.

Pakalipano, Quantfind, kampani yomwe inachititsa kuti CIA ikhale ndi nzeru zamakono kuti aulule zizindikiro zabodza zomwe zimagwiritsidwa ntchito ndi zigawenga, amavomereza kukambirana ndi JPMorgan Chase momwe makanema ake angagwiritsire ntchito pa bizinesi ya ngongole, m'madera monga kubwereka ngongole ndi malonda.

_{Zowonjezera: "Deta imatsegula zitseko kuzinthu zamakono" ndipo "JPMorgan amagwiritsa ntchito zida zotsutsana ndi chigawenga kuti ziwononge antchito achinyengo," Financial Times , December 14, 2012.}