{"id":2252,"date":"2024-01-08T04:06:58","date_gmt":"2024-01-08T04:06:58","guid":{"rendered":"https:\/\/www.begini.co\/?p=2252"},"modified":"2025-10-21T15:37:40","modified_gmt":"2025-10-21T04:37:40","slug":"9-trends-shaping-credit-assessment-this-year","status":"publish","type":"post","link":"https:\/\/www.begini.co\/es\/9-trends-shaping-credit-assessment-this-year\/","title":{"rendered":"9 tendencias que marcar\u00e1n la evaluaci\u00f3n del cr\u00e9dito este a\u00f1o"},"content":{"rendered":"
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9 tendencias que marcar\u00e1n la evaluaci\u00f3n del cr\u00e9dito este a\u00f1o<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\u00a0<\/p>

1. Inclusi\u00f3n de datos diversos: no hay alternativa.<\/h2>

Estimulados por una combinaci\u00f3n de factores, los prestamistas buscan activamente incluir m\u00e1s y diferentes tipos de datos en los procesos de toma de decisiones. En los \u00faltimos a\u00f1os se han puesto de manifiesto los l\u00edmites de los datos crediticios heredados.<\/p>

Aunque los modelos exactos var\u00edan, las puntuaciones de cr\u00e9dito de las agencias heredadas tienen en cuenta los \u00faltimos 5 a 7 a\u00f1os de historial de pago de cr\u00e9ditos. Este sistema favorece a determinadas personas y, a su vez, excluye a muchas otras. Los datos heredados dejan a muchos prestamistas sin forma de evaluar a algunas personas, apart\u00e1ndolas de posibles buenos prestatarios.<\/p>

Cada vez se incluye m\u00e1s un enfoque de datos diversos para permitir a los prestamistas \"ver\" a los clientes de expedientes finos o para mejorar la predictibilidad de los procesos actuales.<\/p>

Los Datos Diversos podr\u00edan incluir otros tipos de datos sobre transacciones, como el pago de facturas. O puede incluir datos basados en el car\u00e1cter y el comportamiento, como evaluaciones psicom\u00e9tricas o datos de dispositivos. Los datos basados en el car\u00e1cter buscan rasgos de car\u00e1cter que tengan una correlaci\u00f3n demostrada con la disposici\u00f3n a devolver un pr\u00e9stamo.<\/p>

2. Aumento de la demanda de IA y ML en la calificaci\u00f3n crediticia<\/h2>

La explosi\u00f3n de datos y el aumento de las capacidades en IA y ML han abierto muchas oportunidades para que los procesos de calificaci\u00f3n crediticia se beneficien. Muchos factores influyen en la probabilidad de que alguien devuelva un pr\u00e9stamo. El ML puede captar mejor las relaciones no lineales que son habituales en el riesgo crediticio.<\/p>

3. Lo digital primero = el cliente primero<\/h2>

Si los prestamistas quieren dar prioridad al cliente, no tienen m\u00e1s remedio que dar prioridad a lo digital. Los usuarios finales esperan m\u00e1s de sus canales digitales y esto deber\u00eda ser fundamental para su experiencia de cliente. Los clientes que no consiguen lo que buscan en un canal digital est\u00e1n dispuestos a buscar otro. La fidelidad de los clientes est\u00e1 en declive; los consumidores est\u00e1n en juego.\u00a0<\/p>

4. Hacia la nube en lugar de en las instalaciones<\/h2>

Analistas<\/a> predicen una tendencia hacia la nube en lugar del despliegue in situ, con una CAGR prevista del 18,3% durante la pr\u00f3xima d\u00e9cada. La implantaci\u00f3n en la nube es m\u00e1s econ\u00f3mica y requiere menos inversi\u00f3n en conocimientos t\u00e9cnicos.<\/p>

5. Requisitos reglamentarios y de protecci\u00f3n de la intimidad<\/h2>

M\u00e1s que un obst\u00e1culo, una normativa clara puede ser una herramienta de ayuda. Al informar a los clientes de las pol\u00edticas de privacidad y ser transparentes sobre c\u00f3mo se utilizan sus datos, las nuevas herramientas de evaluaci\u00f3n crediticia pueden permitir a los consumidores aprovechar sus datos en su propio beneficio.<\/p>

Aunque la normativa sobre privacidad var\u00eda en funci\u00f3n de la regi\u00f3n, los prestamistas pueden empezar por tener en cuenta los requisitos del GDPR, reconocido como uno de los m\u00e1s completos del planeta en la actualidad.<\/p>

6. Puntuaci\u00f3n integrada<\/h2>

En el pasado, las solicitudes de compra y financiaci\u00f3n eran procesos distintos y separados. El acceso a los datos y los avances en el an\u00e1lisis en tiempo real permiten que la comprobaci\u00f3n del cr\u00e9dito se realice sobre la marcha, como parte del proceso de pago. Los prestamistas pueden acceder ahora a nuevos segmentos de consumidores con un coste marginal m\u00ednimo.<\/p>

7. Datos de origen frente a datos de terceros<\/h2>

Muchos mecanismos de evaluaci\u00f3n del cr\u00e9dito, como las puntuaciones de las agencias de cr\u00e9dito, se basan en datos de terceros. Consideran datos creados a partir de otras transacciones o actividades y luego construyen modelos para asociar estos datos con la probabilidad de devolver un pr\u00e9stamo.<\/p>

Puede haber un elemento de volatilidad con los datos de terceros, ya que se ven afectados por otras fuerzas que pueden cambiar r\u00e1pidamente y dejar expuestos a los prestamistas.<\/p>

Los datos de origen para cr\u00e9ditos se crean con un prop\u00f3sito. Esto significa datos creados con el prop\u00f3sito inherente de indicar la voluntad de devolver un pr\u00e9stamo. Los datos crediticios basados en el car\u00e1cter, como las encuestas psicom\u00e9tricas, son un ejemplo de datos de origen. Se desarrollan con el prop\u00f3sito inherente de crear datos que sean indicativos de la solvencia crediticia.<\/p>

8. Deuda oculta<\/h2>

La naturaleza cambiante de la forma en que los consumidores utilizan el cr\u00e9dito, en particular el auge de los proveedores de BNPL, significa que muchas deudas quedan \"ocultas\" en las puntuaciones de cr\u00e9dito tradicionales. Mientras los reguladores estudian c\u00f3mo hacer frente a este cambio, los prestamistas pueden reforzar su proceso diversificando los datos que tienen en cuenta.<\/p>

9. Impulso hacia la ASG y la \"inclusi\u00f3n\" como motor de la estrategia<\/h2>

Hay una demanda creciente para que los prestamistas muestren un cambio real en sus responsabilidades ASG. Para que los bancos y las instituciones financieras tengan \u00e9xito en materia de ASG, debe prestarse mucha m\u00e1s atenci\u00f3n al aspecto social. Atender a una clientela diversa implica la necesidad de revisar la inclusi\u00f3n del cr\u00e9dito. El enfoque tradicional de ofrecer cr\u00e9dito deja a millones de personas fuera del sistema. El impacto de excluir a la gente del cr\u00e9dito es significativo. Lleva a la gente a utilizar alternativas inseguras o depredadoras.<\/p>

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\n\t\t\t\t<\/i>Hormiga<\/span><\/span>Anterior<\/span>Aprovechando la IA y el aprendizaje autom\u00e1tico para la evaluaci\u00f3n del riesgo crediticio: exploraci\u00f3n de fuentes de datos alternativas<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\tSiguiente<\/span>Fomento de la inclusi\u00f3n financiera en Vietnam<\/span><\/span><\/i>Siguiente<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u00a0 1.\u00a0\u00a0\u00a0 Inclusion of Diverse Data – there’s no alternative. Spurred by a combination of factors, Lenders are actively looking to include more and different types of data in decisioning processes. In recent years the limits of legacy credit data has been exposed. While exact models vary, legacy bureau credit scores consider the last 5 […]<\/p>\n","protected":false},"author":209526199,"featured_media":2254,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","content-type":"","footnotes":""},"categories":[1387],"tags":[1372,1378,1375],"class_list":["post-2252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-scores","tag-character-based-credit","tag-credit-inclusion","tag-credit-score"],"yoast_head":"\n9 trends shaping credit assessment this year - Begini<\/title>\n<meta name=\"description\" content=\"9 trends that will impact the credit assessment market in 2024, including diverse data, machine learning and digital-first finance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.begini.co\/es\/9-trends-shaping-credit-assessment-this-year\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"9 trends shaping credit assessment this year - 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