Zvikumbiro zveBig Data Dzemari

Nyaya huru iyi inowanzozivikanwa itsva inonzi catchphrase munharaunda yekombiyuta yehutano uye nzira dzehuwandu dzinoreva kuunganidza uye kuongorora kwehuwandu hwehuwandu hwemashoko. Kufambira mberi pakushandisa simba pamwe chete nemitengo yekuwa kwayo kuri kuita mapurojekiti makuru ezvinyorwa zvinowedzera zviri nyore zvekugoneka uye zvehupfumi. Kunyanya, kuuya kwegore computing kuri kuisa mari yekuongorora kudarika kwedhaini mukati mekusvika kwemafemu akawanda maduku, izvo zvino hazvidi kuti zvive nehuwandu hwekutsvaga mari mumashandisirwo ekugadzirisa zvinhu.

Basa idzva remabasa, dhizinesi yesayenzi, yakatanga mukupindura mukukura kwemashoko makuru.

Zvikumbiro Muzvikwereti:

Mumari yemari, kunyanya mukati mehupfumi hwebasa rezvemari, nhepfenyuro huru iri kushandiswa mukuwedzera kwenhamba yezvikumbiro, zvakadai se:

1. Basa rekushanda nekuongorora
2. Predictive model, dzakadai sedzimwe dzinogona kushandiswa neinishuwarenzi underwriters kugadzirisa zvikwereti nezvikwereti kuti vaite zvikwereti
3. Kuvandudza mashandisirwo ekugadzirisa mararamiro emari yemari
4. Mutengo hauiti zvinhu zvakadai sedzimba

Auto Insurance:

Kubva kumashure kwema1980, muvambi weProgressive Insurance akatarisira mberi kune zuva iro dambudziko rakaoma pamusoro pemitemo yevanhu vanoita zvekutya inogona kuunganidzwa uye kuongororwa. Izvi zvaizoita kuti pave nemwero wakarurama wekuenzanisa uye kuongororwa kwematambudziko, uye naizvozvo zvakanyanya kunyatsogadziriswa kwepayimusi. Pakazosvika gore ra2010, chikwata chekodhadhi yekuunganidza deta chakanga chavapo, uye ikozvino vanopfuura mamiriyoni evanhu vatengi vakabvumirana kuti vane mabhokisi madema akaiswa mumotokari dzavo dzinocherechedza, somuenzaniso, kuti dzinokurumidza sei kutya uye kuti zvakangoerekana dzanyura sei.

Consumer Credit:

LendUp inowedzera tsika dzechirongwa zveFICO chikwereti nehutano hwehutano hwevanhu hunotorwa kubva kune zvimwe zvakasiyana-siyana, kuitira kuti zviite zvikwereti. Semuenzaniso, LendUp inofarira kuziva kana uyo anenge akwereta akashandura nhamba dzesefoni dzese, izvo zvinogona kuratidza dambudziko rakaipa.

Iko kambani inofungawo kuti vanhu vanotaurirana neshamwari dzavo paIndaneti vanopa tsananguro yakasimba pamusoro pekuda kwavo sevakwereta. Vaya vanoratidza hukama hwakasimba uye hune hutano hwemagariro evanhu uye hukama hwemunharaunda hunoita sehuipi huri nani. Nokudaro, avo vanogona kukwereta vanokumbirwa kuita kuti maakare evo Facebook avepo kune vekambani yekuongorora.

Chikwereti giant CapitalOne, panguva iyi, yakava mutambo mukuru muma1991 zvikuru kuburikidza nekushandisa zvakakosha kuunganidza uye kuongorora nzira dzekutsvaga tarisiro yemakadhi ayo, kuba mafambisi kune vazhinji vevadzidzi vavo vakagadziriswa.

Mabhizimisi Makuru Akakwereta:

Mutsva weKabbage inonyanya kushanda, ikambani inoshandiswa kwekambanikiti inotungamirirwa nemichina inotaridzika inotora pane zvinyorwa zvakasiyana-siyana semagariro evanhu, eBay uye UPS kuongorora hukama hwehukama pakati pevangangokubhadhara nevatengi vavo.

Crop Insurance:

Climate Corporation inonyora inshuwarima yezvirimwa kune varimi. Iyo yakasimba inomhanya zvikuru kufungidzira nguva yakareba yemamiriro emamiriro emamiriro ekunze uye kuisa mitero.

Mortgage Lending:

JPMorgan Chase iri kushandiswa kukuru kwekutsvaga kwekutsvaga kutsvaga zvinotengeswa zvekutengesa zvekutengesa zveimba uye zvekutengeserana izvo zvakadzorerwa zvakare semugumisiro wekuregererwa kwemari.

Iko pfungwa, maererano nemabhuku anovanzika, ndeyekuongorora mamiriro ehupfumi emunharaunda nemashamba edzimba kuti ataure zvinonzwisisika zvekutengesa mitengo asati mari yechikwereti ichizoitika. Kana izvi zvichiti mitengo yekutengesa inonyatsorongedzwa, kukanganisa kumusika wemisika yemunharaunda kubva pakusagadzikana, kudzorerwa uye kutengeswa nebhangi zvinyorwa kunofanira kuderedzwa. Uyezve, nguva iyo bhangi inomanikidzirwa kuchengetedza pfuma isati yatengeswa inofanira kuderedzwa.

Panguva iyo, Quantfind, iyo yakagadzirisa CIA neunyanzvi hwekugadzira hutsvene hunoshandiswa nevanenge vachifungidzirwa magandanga, yakabvuma kupinda muchikurukuro neJPMorgan Chase pamusoro pokuti mashandiro ezvekombiyuta inogona kushandiswa sei kune bhizinesi rekukweretesa, munzvimbo dzakadai sekuongorora chikwereti uye marketing.

_{Zvinyorwa: "Data inozarura magedhi emari mune zvishandiso" uye "JPMorgan inoshandisa zvigadziri zvougandanga kuti zvione utsotsi pakati pevashandi," Financial Times , December 14, 2012.}