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Маски сорваны: что ПриватБанк на самом деле делает с вашими данными

Как крупнейший банк Украины предсказывает будущее своих клиентов, и стоит ли этого опасаться

Банковская индустрия ежедневно генерирует огромные массивы информации, включая персональные данные клиентов. Заключив с банком договор, клиент сообщает ему свое имя, адрес, место работы, контакты родственников. У банка есть копия его паспорта и идентификационного кода, актуальные фотографии, контакты родственников. После открытия счета клиент продолжает отправлять банку информацию о себе: где был, что, когда и на какую сумму покупал, когда платил по кредитам, а когда – нет.

Эти сведения могут лежать в банке «мертвым грузом». А могут, наоборот, работать на банк и его клиентов. Как они обрабатываются и что могут рассказать о каждом, Mind выяснял у крупнейшего в Украине банка – ПриватБанка, который обслуживает более 19 млн клиентов.

Какие данные собираются? Объем данных, которые собираются и затем анализируются банком, огромен: от географических координат и маршрутов до предпочтений клиента в соцсетях. Так, каждый POS-терминал в магазине, банкомат или терминал самообслуживания имеет свои географические координаты. Благодаря этому можно отследить приоритетные маршруты, по которым клиент ходит чаще всего.

Если человек авторизовался в банковском виджете через соцсети и согласился дать банку доступ к своему аккаунту (например, чтобы поднять лимит), тогда данных о нем становится еще больше. С кем общается, какой контент ему нравится – все это помогает создавать предиктивную аналитику (то есть предсказывать будущее поведение клиента), а также определять недобросовестных клиентов. Например, тех, кто торгует наркотиками. Для выявления наркоторговцев анализируется поведение счета, то есть регулярные поступления средств от разных отправителей, и данные соцсетей или мессенджеров, обращения клиентов или полиции.

Еще один источник данных для ПриватБанка – его собственная торговая площадка «ПриватМаркет», где частные лица могут приобрести товары для личного пользования, а государственные и частные компании – проводить закупки. Банк анализирует предпочтения клиента, чтобы понимать, какой продукт ему предложить и с каким сопроводительным текстом.

Если, скажем, клиент оплатил своей картой авиа- или железнодорожные билеты, банк предлагает ему забронировать отель в конечной точке маршрута или заказать такси; также предлагает необходимые товары в дорогу; напоминает за час-два до выезда о предстоящей поездке.

Если изучить поведение клиента, можно даже предсказать, когда он уйдет от банка или перестанет пользоваться картой. И вовремя отреагировать, предложив ему более выгодные условия.

Кто принимает решение о выдаче кредита? Кредитование – одно из самых важных направлений, где банк применяет аналитику данных. Когда-то решения о выдаче кредитов во всем мире принимались по итогам личных собеседований. Эту картину до сих пор можно увидеть в старых фильмах: менеджер банка сидит за столом, а перед ним – потенциальный заемщик, который сбивчиво объясняет, на что собирается потратить деньги. Личные впечатления менеджера, его субъективная оценка – от этого зависела судьба займа.

Современная аналитика данных позволяет отойти от таких субъективных оценок и принять решение, основываясь на фактах. «У нас есть большая «витрина данных», где собраны данные из разных источников», – рассказывает член правления, руководитель направления электронного бизнеса ПриватБанка Сергей Харитич.

Аналитики банка решают, какие из этих данных будут предикторами – то есть являются важными для оценки кредитоспособности заемщиков. Они анализируются при помощи разработанного в ЦЭБ программного обеспечения («искусственного интеллекта»), и на их базе создаются скоринги. «Благодаря этому у нас в целом очень хорошие показатели выдачи кредитов», – утверждает Харитич.

Предиктором может стать, к примеру, кредитная история людей из окружения заемщика. Данные об окружении – это как раз то, что вытягивается из соцсетей. Если оказывается, что друзья и знакомые человека берут кредиты и потом не отдают, велика вероятность, что и он поступит так же. На момент взятия кредита человек может искренне верить, что выплатит его. Но банк уже знает, что нет. Поэтому может отказать в выдаче, таким образом спасая клиента и себя от будущих проблем.

Еще один инсайт из соцсетей: люди, которые слушают шансон, хуже возвращают кредиты, чем поклонники джаза и легкой музыки. А выяснилось это, когда ПриватБанк взял выборку клиентов – тех, кто исправно платит по кредитам, и тех, кто не платит – и сопоставил ее с базой соцсети «ВКонтакте», с музыкой, которую эти клиенты загрузили себе на стену. Это было до запрета соцсети в Украине, когда ее аудитория здесь составляла больше 10 млн человек. Сейчас ПриватБанк не анализирует «ВКонтакте» и «Одноклассники».

Общий экономический эффект от внедрения дата-аналитики посчитать сложно. Но есть конкретные кейсы, когда, например, благодаря точному анализу удалось дополнительно привлечь 1 млрд грн депозитов. Так, из 2 млн потенциальных вкладчиков банк может обзванивать 100 000 в месяц. Благодаря правильному отбору этих 100 000 человек Приватбанк и получил такой результат.

Что дальше? В случае с выдачей кредитов речь идет о простой дата-аналитике. Но есть сферы, где ПриватБанк тестирует аналитику больших данных и даже искусственный интеллект.

Как рассказал Сергей Харитич, сейчас банк работает над созданием банкоматов, которые смогут распознавать лица (Face ID). Такая технология будет устанавливаться на новый тип банкоматов с функцией кэш-ресайклинга (которые могут выдавать и принимать наличные). Использование Face ID позволит сократить время на обслуживание клиентов и увеличить пропускную способность банкоматов. Промышленное тестирование этой технологии планируют начать до конца 2019 года.

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