{"id":82521,"date":"2024-04-09T16:03:53","date_gmt":"2024-04-09T14:03:53","guid":{"rendered":"https:\/\/www.fintonic.com\/blog\/?p=82521"},"modified":"2024-04-10T11:17:30","modified_gmt":"2024-04-10T09:17:30","slug":"fintonic-y-openinsights-presentan-el-revolucionario-credit-score-2-0","status":"publish","type":"post","link":"https:\/\/www.fintonic.com\/blog\/fintonic-y-openinsights-presentan-el-revolucionario-credit-score-2-0\/","title":{"rendered":"Fintonic y OpenInsights presentan el revolucionario Credit Score 2.0"},"content":{"rendered":"<p><strong>Innovaci\u00f3n y Experiencia<\/strong><\/p>\n<p>Fintonic, empresa l\u00edder en el sector financiero, y su divisi\u00f3n especializada en open banking y an\u00e1lisis de datos, OpenInsights, han lanzado el nuevo Credit Score 2.0, un sistema de evaluaci\u00f3n de cr\u00e9dito que promete revolucionar la industria. Con m\u00e1s de 10 a\u00f1os de experiencia en open banking, Fintonic ha demostrado su capacidad para obtener los mejores resultados en enriquecimiento de datos y an\u00e1lisis financiero. Esta experiencia se refleja en el Credit Score 2.0, que se basa en la mayor base de datos de open banking de Espa\u00f1a.<\/p>\n<p>Los sistemas de categorizaci\u00f3n y enriquecimiento de datos de Fintonic y OpenInsights han evolucionado hasta convertirse en uno de los mejores de Europa. Este etiquetado de primera clase permite una extracci\u00f3n de caracter\u00edsticas especializada y experta, optimizando el rendimiento del modelo. Con una metodolog\u00eda alineada con los est\u00e1ndares regulatorios y tras un extenso benchmark, Fintonic y OpenInsights han implementado los avances m\u00e1s recientes en la tecnolog\u00eda de machine learning.<\/p>\n<p><a href=\"https:\/\/www.fintonic.com\/blog\/javier-mancilla-es-el-nuevo-cro-de-fintonic\/\">Javier Mancilla<\/a>, Director de Riesgos en Fintonic y OpenInsights, es un experto en computaci\u00f3n cu\u00e1ntica y lidera la implementaci\u00f3n de esta novedosa tecnolog\u00eda en los modelos de gesti\u00f3n de riesgos de la compa\u00f1\u00eda. Con m\u00e1s de 15 a\u00f1os de experiencia en proyectos internacionales, Mancilla ha estado vinculado profesionalmente a compa\u00f1\u00edas como la estadounidense Stafford Computing.<\/p>\n<p><strong>Precisi\u00f3n y Rendimiento<\/strong><\/p>\n<p>El Fintonic Credit Score 2.0 se encuentra altamente calibrado para tener una precisi\u00f3n excelente respecto al ratio de default esperado. Esto significa que el modelo puede predecir con gran precisi\u00f3n el riesgo de impago a 12 meses, y se complementa con un modelo predictor del impago temprano en los primeros 3 meses.<\/p>\n<p>\u201cEl proceso de desarrollo y mejora del Fintonic Credit Score 2.0 tiene una perspectiva cient\u00edfica, donde se eval\u00faan diferentes m\u00e9todos de forma exhaustiva. La gran experiencia y base de datos de Fintonic en este \u00e1mbito y el proceso cient\u00edfico que hemos seguido nos han permitido alcanzar una mejora del rendimiento del modelo superior a la esperada\u201d, afirma Javier Mancilla, CRO de ambas empresas.<\/p>\n<p>Los modelos de scoring de cr\u00e9dito con los que cuentan Fintonic y OpenInsights destacan por un AUC por encima de los est\u00e1ndares de la industria. De hecho, \u201clos nuevos modelos desarrollados por Fintonic y OpenInsights tienen un rendimiento superior, con un mayor nivel de aprobaci\u00f3n y un menor riesgo, en comparaci\u00f3n a los modelos disponibles en el mercado\u201d ha a\u00f1adido Iker de los R\u00edos, Director General de OpenInsights.<\/p>\n<p><strong>Un Futuro Prometedor<\/strong><\/p>\n<p>El lanzamiento oficial de Fintonic Score 2.0 ha sido en noviembre de 2023 y est\u00e1 siendo utilizado por diversas entidades financieras a trav\u00e9s de las soluciones del grupo Fintonic. En concreto, los primeros resultados en vista de la originaci\u00f3n entre diciembre de 2023 y febrero de 2024 a trav\u00e9s de Fintonic Pr\u00e9stamos son muy prometedores: el nuevo modelo de scoring ha permitido reducir a 0 el impago temprano, incluso en carteras de lenders con foco en clientes near prime.<\/p>\n<p>En resumen, el lanzamiento del Fintonic Credit Score 2.0 marca un hito en la industria financiera. Con su enfoque innovador y su compromiso con la excelencia, Fintonic y OpenInsights est\u00e1n liderando el camino hacia el futuro de la evaluaci\u00f3n de cr\u00e9dito. La combinaci\u00f3n de la experiencia en open banking, la implementaci\u00f3n de algoritmos de \u00faltima generaci\u00f3n y la alta calibraci\u00f3n de los modelos hacen de este lanzamiento un evento significativo en el campo financiero. <\/p>\n<p>\u201cCualquier entidad financiera puede aprovecharse de las ventajas que ofrece el Credit Score 2.0 a trav\u00e9s de la soluciones de Open Banking de OpenInsights\u201d, indica Gonzalo Serrano, Director de Operaciones de OpenInsights. Pueden verse m\u00e1s detalles <a href=\"https:\/\/www.openinsights.es\/open-banking-data-insights\">aqu\u00ed<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Innovaci\u00f3n y Experiencia Fintonic, empresa l\u00edder en el sector financiero, y su divisi\u00f3n especializada en open banking y an\u00e1lisis de datos, OpenInsights, han lanzado el nuevo Credit Score 2.0, un sistema de evaluaci\u00f3n de cr\u00e9dito que promete revolucionar la industria. Con m\u00e1s de 10 a\u00f1os de experiencia en open banking, Fintonic ha demostrado su capacidad [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":82537,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1378],"tags":[],"class_list":["post-82521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-openinsights"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Fintonic y OpenInsights presentan el revolucionario Credit Score 2.0 - Fintonic News<\/title>\n<meta name=\"description\" content=\"Fintonic, empresa l\u00edder en el sector financiero, y su divisi\u00f3n especializada en open banking y an\u00e1lisis de datos, OpenInsights, han lanzado el nuevo Credit Score 2.0, un sistema de evaluaci\u00f3n de cr\u00e9dito que promete 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