Izicelo zeDig Data enkulu Yezezimali

Idatha enkulu iyi-catchphrase entsha ethandwayo endaweni yobuchwepheshe bezokwaziswa kanye nezindlela eziningi ezithinta ukuqoqwa nokuhlaziywa kwamanani amaningi kolwazi. Ukuthuthukiswa kokusebenza kwamandla kanye namanani ewayo okwenzayo kwenza amaphrojekthi e-data amakhulu ngokuya ngokucophelela nangokwenyuka ngokwezomnotho. Ngokuyinhloko, ukufika kwe-cloud computing kubeka izindleko zokuhlaziywa kwedatha enkulu ngaphakathi kwamafemu amaningi amancane, okwamanje awudingi ukwenza izimali ezinkulu eziyinhloko engqalasizinda yabo yekhompyutha.

Isigaba esisha somsebenzi, isayensi ye-data, siphumelele ekuphenduleni ukukhula kwedatha enkulu.

Izicelo Ngaphakathi Kwezezimali:

Ngaphakathi kwezimali, ikakhulukazi embonini yezinsizakalo zezezimali , idatha enkulu isetshenziswa kwinani elikhulayo lezicelo, njenge:

1. Ukuqapha abasebenzi nokuqapha
2. Izindlela ezibikezelayo, njengalezo ezingase zisetshenziswe ngababhalisi bomshuwalense ukubeka ama-premiums kanye nezikhulu zemboleko ukuze benze izikweletu
3. Ukuthuthukisa izimo zokuhlela ukubikezela ukuqondiswa kwezimakethe zezezimali
4. Amanani akhiphe izimpahla ezifana ne-real estate

Umshwalense Wokuzenzakalela:

Ngasekuqaleni kweminyaka yama-1980, umsunguli we-Progressive Insurance wayebheke phambili ngosuku lapho idatha enzima emikhuba yokushayela yabanikazi bomgomo ngamunye ingalandelwa futhi ihlaziywe. Lokhu kuzoholela ekulinganiseni okunembile kwengozi kanye nokuhlolwa kwezinhlekelele, ngakho-ke ukulungiswa okuphezulu kwe-premium. Ngonyaka we-2010, ubuchwepheshe bokuqoqa idatha obudingekayo bube khona, futhi manje amakhasimende angaphezu kwesigidi avumile ukuthi amabhokisi amnyama afakwe ezimotweni zawo ezilandelela, isibonelo, ukuthi zihamba kanjani ngokushesha nokuthi zivele kanjani ngokuzumayo.

Ikhredithi yabathengi:

I-LendUp ihlanganisa izilinganiso zesikweletu zendabuko ye-FICO nokuhlaziywa kwenethiwekhi yomphakathi okukhishwe eminye imithombo ehlukahlukene, ukuze kwenziwe izinqumo zokubolekisa. Isibonelo, i-LendUp inesithakazelo sokwazi ukuthi ngabe umboleki okhona angashintsha kaningi izinombolo zocingo zeselula, okungase kubonise ingozi embi.

Le nkampani ikholelwa ukuthi indlela abantu abaxhumana ngayo nabangani babo kuyi-intanethi inikeza izinkomba eziqinile mayelana nobungozi babo njengababoleki. Labo abonisa ukuxhumeka komphakathi okunamandla kunazo zonke futhi okusebenzayo nakakhulu nezibopho zomphakathi kubonakala sengathi yizingozi ezingcono kakhulu. Ngakho-ke, ababolekayo abakhokhwayo bayacelwa ukuba benze ama-akhawunti abo e-Facebook atholakale ku-firm for analysis.

I-giant credit card enkulu i-CapitalOne, okwamanje, yaba ngumdlali omkhulu eminyakeni yama-1990 ngokuyinhloko ngokusebenzisa amasu okuqoqa idatha kanye nokuhlaziywa kwedatha ukukhomba amathemba amakhadi ayo, ukweba imakethe yabaningi abanobambe iqhaza.

Ukuboleka Kwamabhizinisi Amancane:

I-Kabbage entsha engena kuyo inkampani enobuncane, eqhutshwa kwezobuchwepheshe, enezinkomba ezibikezelayo ezivela emithonjeni ehlukahlukene njengezindaba zomphakathi, eBay nase-UPS ukuhlola izinga lobuhlobo phakathi kwababolekayo nabathengi babo.

Nciphisa Umshuwalense:

I-Climate Corporation ibhala umshuwalense wezitshalo kubalimi. I-firm isebenzisa ukulinganisa okukhulu ukubikezela amaphethini esimo sezulu eside futhi usethe amaphrimiyamu.

Ukubolekwa kwemali:

I-JPMorgan Chase isebenzisa ukuhlaziywa kwedatha enkulu ukuthola izintengo ezithengisayo zokuthengisa zamakhaya nezakhiwo zezohwebo eziye zaphinda ziphinde zithathwe njengomphumela wezikhwama ezikhokhisiwe.

Umqondo, ngokusho kwemithombo eyimfihlo, ukuhlola izimo zomnotho zendawo kanye nezimakethe zempahla ukuphakamisa izintengo ezithengisayo zokuthengisa ngaphambi kokubolekwa kwemali mboleko. Uma lezi zithengiso zokuthengisa eziphakanyisiwe zibekwe ngokunembile, ukuphazanyiswa emakethe yempahla yasendaweni kusuka kokuzenzakalelayo, ukubuyiselwa kabusha nokudayiswa ibhange kufanele kuthiwe kuncishiswe. Ukwengeza, isikhathi lapho ibhange liphoqelelwa ukubamba khona impahla ngaphambi kokudayiswa kufanele linciphise.

Phakathi naleso sikhathi, i-Quantfind, inkampani ehlinzekwe i-CIA ngobuchwepheshe bezobuchwepheshe ukuze ithole izimpawu ezingamanga ezisetshenziswe ngamaphekula asolwa, iye yavuma ukuhlanganyela engxoxweni noJPMorgan Chase ngokuthi ubuchwepheshe bayo bungasebenza kanjani ebhizinisini lesikweletu, ezindaweni ezifana nokuhlola ngesikweletu ukumaketha.

_{Imithombo: "Idata evulekile iminyango yemisha emisha" futhi "i-JPMorgan isebenzisa amathuluzi okuphikisana nobuphekula ukuze abone ukukhwabanisa kwabasebenzi," i- Financial Times , ngoDisemba 14, 2012.}