2013FICO 2013FICOFICO Fair IssacBIG DATA ANALYTICS AND THE CUSTOMER REVOLUTIONFICOFICO SCORE Big Data FICO FICO ( Big data ) 36 2013 /12
FICO ( Fair Issac ) 43053 70080040 3 ( keynote sessions ) ( Big Data ) FICO ( FICO's Technology Vision ) ( Changing the Customer Equation ) 115-6 11 ( Collections and Recovery ) ( Customer Profitability ) ( Fraud Management ) ( Mortgage Lending ) ( Regulatory Compliance ) ( Analytic Innovation ) ( Credit Scoring ) ( Decision Management ) ( Marketing and the Customer Experience ) ( Risk Management ) ( S m a l l B u s i n e s s Lending ) FICO () ( Big Data ) ( ) 2000 ( data mining ) ( Unstructured Dataemail ) B i g D a t a A Revolution That Will Transform How We Live, Work, And Think ( 2013 ) Kenneth Cukier 2013 / 12 37
2009 (CDC) 2 GoogleNature 3 Google 20072008 45 Google (Amazon) Greg Linden AA AB AmazonGoogle Facebook ( ) ( ) FICO FICO(credit bureau) 5 15 FICO7FICO FICO (portfolio management)fico FICO 38 2013 /12
(Risk Score) (Attrition) (Response)(Revenue) FICO ( Credit Bureau ) F I C O ( Characteristic ) ( Attributes ) 3EQUIFAX TRANSUNIONEXPERIAN EQUIFAXTRANSUNION () (Public Record)(Inquiries) FICO ( ) ( ) FICO FICO3300850 FICO FICO8 12 ( ) () FICO FICO ICBIreland ACSPBrazil KCBS. Korea Benefit Co.Bahrain Biroul de CreditRomania FICO Japan Poland Sweden Taiwan Thailand CBSSingapore NBKIRussia Trans UnionSouth Africa SIMAHSaudi Arabia Circulo de CreditoMexico iscoreegypt 2013 / 12 39
FICO5 5 (Payment History)35% (Outstanding Debt) 30% (Credit History Length) 15% (Pursuit of New Credit) 10% (Credit Mix) 10% 66 FICO Product EQUIFAX TransUnion Experian MICROBILT CoreLogic FICO Score»BEACON»FICO Risk Score, Classic»Experian/FICO Risk Model»FICO Expansion Score FICO Industry Score»Auto»Bankcard»Mortgage»Auto»Bankcard»Mortgage»Auto»Bankcard»Mortgage FICO NextGen Score FICO Bankruptcy Score FICO Credit Capacity Index FICO Economic Impact Index»PinnacleSM»FICO Credit Capacity Index»FICO Economic Impact Index»FICO Risk Score, NextGen»FICO Bankruptcy Risk Score»Experian/FICO Advanced Risk Score»Experian/FICO Bankruptcy Score FICO Mortgage Score 1.0 Powered by CoreLogic FICO Mortgage Score 1.0 Powered by CoreLogic FICO Credit Bureau File No Presence of Serious Delinquency / Derogatory Items? Yes Thickness of file Ade of file Recency of new opernigs 8 Non-Derogatory Scorecards 3 2 1 5 4 7 6 8 Public record Worst rating 4 Non-Derogatory Scorecards 4 3 2 1 Return Final FICO 8 Score Return Final FICO 8 Score 40 2013 /12
FICO FICO (60 ) ( ) ( social network ) ( ) ( ) Checking-S Smith Credit Card-S Smith Checking-J Benton Suzie Smith John Benton Loan-S Smith CO Loan-J Benton Ph:440-525-6565 12395 Cedar Road Apt 225 Checking-J Wilson Jack Wilson SIU Loan-J Benton 6200 Pinehurst, Cleveland Ph:216-525-6565 CO Loan-J Wilson CO-Credit Card-J Wilson 2013 / 12 41
Erste Group Bank ( ) AUC11 ( ) ( 58 ) ( / ) ( / ) ( / ) ( AUC>80 ) ( Facebook ) ( Twitter ) 42 2013 /12
( ) Big Data and Global Privacy ( personcentric ) CoreLogic Equifax UK 1995 ( data subject's consent ) ( notify data subject ) ( data subject may request information ) ( right to be forgotten ) ( data portability ) ( object to profiling ) ( M.I.T Media Lab ) () midata ( ) 2013 / 12 43
midata 2009 ( Government Open Data ) midata ( The World Economic Forum ) 20132 ( ) ( preferences ) New EU Data Protection Regulations Increasing Consumer Rights & Empowerment Government Open Data midata 44 2013 /12
50 FICO ( ) FICO FICO Score 2006Vantage Score FICO Score2002FICO FICO Nextgen()11 FICO Score FICO Score Google FICO (Google 300) Google 45FICO 40 () FICO 2013 / 12 45
() ( ) (Open Data) ( ) 1. FICO FICO Score FICO 2. 1. ( FICO WORLD 2013 - BIG DATA ANALYTICS AND THE CUSTOMER REVOLUTION ) 2. Viktor Mayer-Schöberger and Kenneth Cukier(2013), Big Data A Revolution That Will Transform How We Live Work, and Think, Houghton Mifflin Harcourt. 46 2013 /12