Car insurance. In fact, according to the car owner's daily driving route, mileage, driving habits, insurance records, occupation, age, gender, can give very different pricing. For example, a skilled female white-collar car owner who drives a mid-level car and commutes a few kilometers round-trip on a fixed route every day, and a middle-aged cranky small-business owner who drives the same car and runs a business every day in the Pearl River Delta or the Yangtze River Delta, assuming that the latter's probability of being insured is 3 times that of the former, then it is entirely possible to set a price (the commercial portion) that is 3 times higher than that of the former. For the insurance company, the former is the premium customer, and the latter is a money loser if he does business, so he might as well drive to a competitor.
Loans. Now a variety of microfinance, consumer loans, supply chain finance, are eating 4 big banks lazy to eat the casual market, the reason why they are lazy to eat, is afraid of trouble. The most troublesome is the credit link, for a customer without fixed assets and other collateral, how much credit can be granted is a problem. Taobao can do small micro because the merchant's water in their hands, white-collar consumer loans dare to do because there is a stable cash flow income. However, in addition to Taobao can do a more accurate model, the other business is very sloppy, basically every field is based on a few dead rules to do business. This means that there is still a lot of potential in this market can be tapped, for example, a small boss, in fact, the risk is not big, he needs 100w turnover, but you do not have the certainty of estimating his risk, only dare to lend 50w out, it is less to earn the interest of that 50w.
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Ai, are you really awake?
Artificial intelligence, will it wake up?
This is an old and novel topic.
The inherent unpredictability of "deep learning" de