{"id":162480,"date":"2018-07-18T17:20:14","date_gmt":"2018-07-18T17:20:14","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=162480"},"modified":"2018-07-18T17:20:14","modified_gmt":"2018-07-18T17:20:14","slug":"comportamentul-tau-pe-internet-poate-decide-daca-primesti-sau-nu-un-credit","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=162480","title":{"rendered":"Comportamentul t\u0103u pe internet poate decide dac\u0103 prime\u015fti sau nu un credit"},"content":{"rendered":"<p>\nComportamentul consumatorului pe internet, activit\u0103\u0163ile acestuia pe aplica\u0163ia de mobile banking \u015fi op\u0163iunile pe care le prestabile\u015fte pe paginile de internet atunci c\u00e2nd \u00ee\u015fi calculeaz\u0103 varianta de credit sunt, pentru rom\u00e2ni \u015fi nu numai, unii dintre factorii deciden\u0163i \u00een privin\u0163a acord\u0103rii unui credit.<\/p>\n<p>\n\u201e\u00cen Europa, \u00een Rom\u00e2nia, puteai lua totul de pe Facebook la \u00eenceput. \u00cens\u0103 chiar \u015fi atunci, pentru scoring, nu social media era factorul decisiv, ci comportamentul general al clientului pe internet. Sunt tipare comportamentale pe internet atunci c\u00e2nd aplici pentru un \u00eemprumut\u201d, spune Tamas Erni, CEO al Loxon Solutions.<\/p>\n<p>\n<span style=\"font-size:14px;\"><a href=\"http:\/\/www.businessmagazin.ro\/analize\/servicii-financiare\/cum-schimba-inteligenta-artificiala-sistemul-bancar-17353395\" target=\"_blank\"><span style=\"color:#ff0000;\"><strong>Cum schimb\u0103 inteligen\u0163a artificial\u0103 sistemul bancar<\/strong><\/span><\/a><\/span><\/p>\n<p>\nSpecialistul sus\u0163ine c\u0103 printre factorii importan\u0163i, \u201econteaz\u0103 la ce te-ai uitat, dac\u0103 te-ai uitat la cea mai mare sum\u0103 pe care o po\u0163i \u00eemprumuta sau la cea mai redus\u0103 variant\u0103 de rat\u0103 lunar\u0103. Dac\u0103 \u00ee\u0163i faci treaba bine ca banc\u0103 \u015fi oamenii t\u0103i de la legal \u00ee\u015fi fac treaba bine, nu ai nicio problem\u0103 cu aceste practici\u201d.<\/p>\n<p>\nErni consider\u0103 c\u0103 \u201eimpactul inteligen\u0163ei artificiale poate fi imens\u201d \u015fi c\u0103 este doar urm\u0103torul pas natural al erei automatiz\u0103rii \u015fi digitaliz\u0103rii. \u201eAcest impact a \u00eenceput cu big data. Ce este inteligen\u0163a artificial\u0103? Mul\u0163i ar spune c\u0103 este statistic\u0103 avansat\u0103, dar asta nu e adev\u0103rat. Nu e adev\u0103rat pentru c\u0103 \u00een statistica pe care o \u00eenve\u0163i la facultate, c\u00e2nd faci un test, tu e\u015fti expertul, tu \u015ftii ce vrei s\u0103 dovede\u015fti, vezi datele \u015fi aplici o solu\u0163ie logaritmic\u0103. Diferen\u0163a, cu inteligen\u0163a artificial\u0103, este c\u0103 po\u0163i analiza medii mai complexe, unde nici speciali\u015ftii nu pot observa totul.\u201d<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comportamentul consumatorului pe internet, activit\u0103\u0163ile acestuia pe aplica\u0163ia de mobile banking \u015fi op\u0163iunile pe care le prestabile\u015fte pe paginile de internet atunci c\u00e2nd \u00ee\u015fi calculeaz\u0103 varianta de credit sunt, pentru rom\u00e2ni \u015fi nu numai, unii dintre factorii deciden\u0163i \u00een privin\u0163a acord\u0103rii unui credit. \u201e\u00cen Europa, \u00een Rom\u00e2nia, puteai lua totul de pe Facebook la \u00eenceput. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,571],"tags":[13321,171,80],"class_list":["post-162480","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-business-hi-tech","tag-comportament","tag-internet","tag-refuz"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/162480","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=162480"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/162480\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=162480"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=162480"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=162480"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}