{"id":514817,"date":"2023-04-12T15:05:11","date_gmt":"2023-04-12T13:05:11","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=883465"},"modified":"2025-04-05T08:55:40","modified_gmt":"2025-04-05T08:55:40","slug":"sistemas-de-decision-de-credito-impulsados-por-ia","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/mx-es\/insights\/biblioteca-de-investigacion\/sistemas-de-decision-de-credito-impulsados-por-ia\/","title":{"rendered":"Sistemas de decisi\u00f3n de cr\u00e9dito impulsados por IA"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/AI-Powered_Credit_Decisioning-Webpage_Background_v2.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/AI-Powered_Credit_Decisioning-Webpage_Background_v2.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/AI-Powered_Credit_Decisioning-Webpage_Background_v2.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/AI-Powered_Credit_Decisioning-Webpage_Background_v2.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/AI-Powered_Credit_Decisioning-Webpage_Background_v2.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/AI-Powered_Credit_Decisioning-Webpage_Background_v2.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/AI-Powered_Credit_Decisioning-Webpage_Background_v2.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/AI-Powered_Credit_Decisioning-Webpage_Background_v2.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/AI-Powered_Credit_Decisioning-Webpage_Background_v2.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:49% 45%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Data and AI<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Sistemas de decisi\u00f3n de cr\u00e9dito impulsados por IA<\/h1><\/div><div class=\"inner-row-insight download-btn\"><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=883465\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=883465&amp;text=AI-powered%20credit%20decisioning%20systems\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=883465&amp;text=AI-powered%20credit%20decisioning%20systems\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-reduce-el-riesgo-y-amplia-tu-base-de-clientes-con-una-plataforma-de-toma-de-decisiones-impulsada-por-ia\">Reduce el riesgo y ampl\u00eda tu base de clientes con una plataforma de toma de decisiones impulsada por IA<\/h3>\n\n\n\n<p>Refuerza y acelera tu proceso de evaluaci\u00f3n de riesgos para aprobar o denegar a los solicitantes con mayor precisi\u00f3n gracias a la IA y el acceso a nuevos datos. Puedes aumentar los ingresos con m\u00e1s aprobaciones de pr\u00e9stamos, obtener mayores ganancias con menos incumplimientos y brindar una mejor experiencia al cliente.<\/p>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/AI-Powered_Credit_Decisioning-Document_Thumbnail.jpg\" alt=\"\" class=\"wp-image-883475\" style=\"width:200px;height:636px\"\/><\/figure>\n\n\n\n<p>Una mejor informaci\u00f3n reduce los riesgos y puede ayudar a expandir tu base de clientes al llegar a los mercados no bancarizados y sub-bancarizados con una visi\u00f3n basada en datos de la vida financiera de un solicitante.<\/p>\n\n\n\n<p>Los sistemas de decisi\u00f3n crediticia impulsados por IA pueden:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aumentar la toma de decisiones automatizada en un 70-90% con ganancias del 30-50% en aprobaciones automatizadas (1)<\/li>\n\n\n\n<li>Mejorar las tasas de aprobaci\u00f3n generales en un 15-40% mientras se reducen las tasas de p\u00e9rdida en un 10-25% (2)<\/li>\n\n\n\n<li>Mejorar continuamente el rendimiento ya que el aprendizaje autom\u00e1tico (ML) supervisa constantemente los resultados para ajustar los modelos de toma de decisiones del sistema<\/li>\n\n\n\n<li>Llegar a las peque\u00f1as y medianas empresas que los sistemas de decisi\u00f3n tradicionales no han logrado, como las empresas m\u00e1s afectadas por el COVID<\/li>\n<\/ul>\n\n\n\n<p>La integraci\u00f3n con los sistemas de originaci\u00f3n de pr\u00e9stamos existentes se puede reducir a solo unas pocas semanas con las interfaces de programaci\u00f3n de aplicaciones (API) y los sistemas de decisi\u00f3n de cr\u00e9dito impulsados por IA est\u00e1n disponibles como software as a service. Las soluciones actuales basadas en la nube suelen incluir modelos sofisticados de IA y ML, una biblioteca de predictores de riesgo crediticio y funciones preconfiguradas para tomar decisiones crediticias automatizadas y en tiempo real en productos crediticios y de pr\u00e9stamo.<\/p>\n\n\n\n<p>Exploremos juntos c\u00f3mo las plataformas de decisiones crediticias impulsadas por IA pueden ayudar a cumplir con las expectativas de los clientes existentes mientras se encuentran formas innovadoras basadas en datos para llegar a nuevos clientes.<\/p>\n\n\n\n<p class=\"has-small-font-size\"><sup>1<\/sup>&nbsp;<a href=\"https:\/\/www.scienaptic.ai\/featured-insights\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.scienaptic.ai\/featured-insights<\/a><\/p>\n\n\n\n<p class=\"has-small-font-size\"><sup>2<\/sup>&nbsp;<a href=\"https:\/\/www.scienaptic.ai\/credit-underwriting\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.scienaptic.ai\/credit-underwriting<\/a><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/go.capgemini.com\/Capgemini-AI-powered-credit-decisioning-systems\" target=\"_blank\" rel=\"noreferrer noopener\">Descargar document<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-autocloud-form undefined autocloudform\"><div class=\"section--autoCloud-form\"><div class=\"wrapperAutoCloudSection\" id=\"linkToForm\"><div class=\"container\"><div class=\"row\"><div class=\"col-md-12 col-lg-6 left-img align-self-center escaper-left\"><\/div><div class=\"  col-md-12\"><div class=\"autoCloudForm\"><h4 class=\"formHelpText\"><strong>Cont\u00e1ctanos<\/strong><\/h4>\n\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_514825_136295386\" class=\"mf_form__form row 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You can increase revenue from more loan approvals, gain higher profits from fewer defaults, and provide a better customer experience.<\/p>\n","protected":false},"author":257,"featured_media":100000883476,"template":"","meta":{"cg_dt_proposed_to":[9,25],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"5e306945-92ca-4c58-90b5-76f035185fc7\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":true,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":67,"primary_term":"Data and 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