{"id":82615,"date":"2024-05-16T17:45:12","date_gmt":"2024-05-16T15:45:12","guid":{"rendered":"https:\/\/www.fintonic.com\/blog\/?p=82615"},"modified":"2024-05-16T17:53:42","modified_gmt":"2024-05-16T15:53:42","slug":"las-olas-de-open-banking-y-analisis-de-riesgo-de-credito","status":"publish","type":"post","link":"https:\/\/www.fintonic.com\/blog\/las-olas-de-open-banking-y-analisis-de-riesgo-de-credito\/","title":{"rendered":"Las olas de Open Banking y an\u00e1lisis de riesgo de cr\u00e9dito"},"content":{"rendered":"

En los \u00faltimos a\u00f1os, hemos sido testigos de una evoluci\u00f3n notable en la intersecci\u00f3n entre el open banking y la evaluaci\u00f3n del riesgo de cr\u00e9dito. Esta transformaci\u00f3n ha sido guiada por tres olas distintas, cada una con sus propios desaf\u00edos y ventajas. A medida que avanzamos hacia la tercera ola, las soluciones modulares de OpenInsights<\/a> se han posicionado para ofrecer el mejor soporte en todas las etapas de esta transici\u00f3n.<\/p>\n

\"\"<\/p>\n

Primera Ola: Modelo Tradicional con Input de Variables desde Open Banking<\/strong><\/p>\n

La primera ola de esta evoluci\u00f3n se centr\u00f3 en la integraci\u00f3n de variables obtenidas a trav\u00e9s del open banking en los modelos tradicionales de evaluaci\u00f3n crediticia. Este enfoque inicial permiti\u00f3 automatizar procesos que antes eran manuales y susceptibles a errores, mejorando tanto la eficiencia como la seguridad de las evaluaciones.<\/p>\n

La principal ventaja de este modelo radicaba en su capacidad para reducir significativamente el tiempo y los recursos necesarios para evaluar el riesgo de cr\u00e9dito. Adem\u00e1s, al ser menos manipulables que ciertos tipos de documentaci\u00f3n tradicional, los datos obtenidos a trav\u00e9s del open banking incrementaron la fiabilidad y la seguridad de la informaci\u00f3n utilizada. No obstante, el reto durante esta fase fue el mapeo de estas nuevas variables dentro de los sistemas existentes, lo cual requiri\u00f3 ajustes t\u00e9cnicos y optimizaciones continuas.<\/p>\n

Segunda Ola: Modelo de Open Banking con Filosof\u00eda Tradicional<\/strong><\/p>\n

La segunda ola se caracteriz\u00f3 por una mayor adopci\u00f3n del open banking, manteniendo una filosof\u00eda tradicional en la modelizaci\u00f3n del riesgo de cr\u00e9dito basada en reglas predefinidas. Este enfoque permiti\u00f3 a las instituciones financieras integrar gradualmente las nuevas fuentes de datos sin abandonar sus procesos y criterios establecidos. La continuidad en la utilizaci\u00f3n de reglas y pol\u00edticas de riesgo garantiz\u00f3 una transici\u00f3n suave hacia el uso de datos de open banking, permitiendo a las entidades financieras mantener la estabilidad en sus procesos mientras comenzaban a beneficiarse de la nueva tecnolog\u00eda.<\/p>\n

Tercera Ola: Aprovechamiento de la Informaci\u00f3n de Open Banking con Modelos Avanzados e IA<\/strong><\/p>\n

La tercera ola representa el punto culminante de esta evoluci\u00f3n, donde el open banking se utiliza para obtener una amplia gama de variables que son procesadas mediante m\u00e9todos de decisi\u00f3n avanzados. Este enfoque maximiza el valor de la informaci\u00f3n disponible, proporcionando evaluaciones de cr\u00e9dito m\u00e1s precisas y detalladas.<\/p>\n

En esta etapa avanzada, hemos implementado modelos sofisticados como el Fintonic Score 2.0, que aprovechan al m\u00e1ximo las variables disponibles y emplean t\u00e9cnicas avanzadas de ajuste de hiperpar\u00e1metros, preprocesamiento, calibraci\u00f3n y pruebas cient\u00edficas. El Fintonic Score 2.0 no se basa en reglas de exclusi\u00f3n, lo que permite aprobar m\u00e1s perfiles prime y near-prime con un riesgo controlado. Con un alto coeficiente de AUC (0.90 para el core score y 0.92 para el early payment default score) y una desviaci\u00f3n m\u00ednima entre la tasa de impago estimada y la real, este modelo demuestra una excelente calibraci\u00f3n y precisi\u00f3n. \u00abLas capacidades del Fintonic Score 2.0 exceden el objetivo de ser precisos al aprobar o rechazar perfiles para evitar impagos, sino que se nutren de la \u00faltima tecnolog\u00eda para escalar las carteras de cr\u00e9dito con un riesgo acotado expandiendo a zonas en donde otros modelos rechazan. Para poder hacer esto en el ecosistema financiero hoy, se debe pensar fuera de la caja\u00bb, afirma Javier Mancilla, Chief Risk Officer en Fintonic y OpenInsights.<\/p>\n

Soluciones Modulares de OpenInsights<\/strong><\/p>\n

Las soluciones modulares de OpenInsights<\/a> est\u00e1n dise\u00f1adas para apoyar eficientemente a las entidades que operan en las primeras dos olas, proporcionando herramientas que mejoran tanto la eficiencia como la seguridad de sus procesos. Adem\u00e1s, estas soluciones ofrecen la capacidad de dar el salto a la tercera ola mediante el uso del Credit Score 2.0. <\/p>\n

El Credit Score 2.0 ha demostrado un rendimiento superior, aprobando un 26% m\u00e1s de solicitudes que proveedores de scoring sobre open banking alternativos, con una menor tasa de default. Esto no solo resalta la efectividad del modelo, sino que tambi\u00e9n subraya su capacidad para mejorar la aprobaci\u00f3n de cr\u00e9ditos con un riesgo menor.<\/p>\n

Conclusi\u00f3n<\/strong><\/p>\n

La evoluci\u00f3n del open banking y la evaluaci\u00f3n del riesgo de cr\u00e9dito ha seguido un camino marcado por tres olas distintas. Desde la integraci\u00f3n inicial de variables obtenidas a trav\u00e9s del open banking en modelos tradicionales, hasta la adopci\u00f3n de enfoques avanzados que maximizan el valor de la informaci\u00f3n disponible, cada ola ha tra\u00eddo consigo mejoras significativas en eficiencia, seguridad y precisi\u00f3n.<\/p>\n

En Fintonic, estamos comprometidos a liderar esta evoluci\u00f3n con soluciones innovadoras y efectivas. Las soluciones modulares de OpenInsights no solo ofrecen una integraci\u00f3n eficiente y segura en las fases iniciales del open banking, sino que tambi\u00e9n facilitan la transici\u00f3n hacia modelos m\u00e1s avanzados y precisos, como el Fintonic Score 2.0.<\/p>\n","protected":false},"excerpt":{"rendered":"

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A medida que avanzamos hacia la tercera ola, las soluciones modulares de OpenInsights […]<\/p>\n","protected":false},"author":12,"featured_media":82617,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1378],"tags":[],"class_list":["post-82615","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-openinsights"],"yoast_head":"\nLas olas de Open Banking y an\u00e1lisis de riesgo de cr\u00e9dito - Fintonic News<\/title>\n<meta name=\"description\" content=\"En los \u00faltimos a\u00f1os, hemos sido testigos de una evoluci\u00f3n notable en la intersecci\u00f3n entre el open banking y la evaluaci\u00f3n del riesgo de cr\u00e9dito.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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