In its test run for the Chinese company, ZestFinance built risk models using JD.comtransaction data: what people buy, when they buy it, what brands they choose, where theylive and other nuggets of information in the sales data.
在为其中国公司进行测试时,ZestFinance利用京东的交易数据——包括人们买什么、何时买、选什么品牌、住在哪里,及交易数据中其他有价值的信息——建立了风险模型。
“There’s signals in there, Mr. Merrill said. “But what would seem like simple signals can actuallybe very complex.
“这些数据里有一些信号,梅里尔说道。“但那些看起来简单的信号,实际上可能非常复杂。
For example, one might expect that a person purchasing a lot of luxury goods online is a goodcredit risk. But Mr. Merrill said that often is not the case. It could be a sign of recklessoverspending or even fraud, he said, when linked with other data.
比如,人们可能觉得在网上买很多奢侈品的人信用风险小。但梅里尔表示,情况往往并非如此。他说,跟其他数据联系起来看,这可能意味着不计后果地过度消费,甚至可能是欺诈。
If a person is making purchases during the day, that could be a signal that the buyer isunemployed. But, Mr. Merrill said, if the purchases are made during the midday lunchtime, froman office computer, it could well be a sign of a hard-working employee squeezing in time to buynecessities.
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