通过集成模型释放多个数据源的价值.pdf

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1、Unlocking the Value of Multiple Data Sources Through Ensemble ModelsBengaluru,IndiaJanuary 19-20,2026 2025 TransUnion.All Rights Reserved2US Market SituationIntegrating alternative data with traditional scoring methods can be challenging,and modelers face a complex set of optionsAvailability and reg

2、ulatory acceptance have been growing steadily with more recent advances in rental history,cashflow and buy now,pay later(BNPL)Alternative data has proven effective at finding pockets of creditworthy consumers who are less visible in traditional sourcesFinancial institutions of all shapes and sizes a

3、im to grow profitably,control risk and promote financial inclusion 2025 TransUnion.All Rights ReservedIn statistics and machine learning,ensemble methods use multiple learning algorithms to obtain better predictive performance than could be obtained from any of the constituent learning algorithms al

4、one.Here,were building multiple,individual models employing different data sources and using those model outputs to develop a more powerful model.Data SourcesUnlocking Value through Ensemble Modeling 2025 TransUnion.All Rights Reserved5 5 2025 TransUnion.All Rights ReservedTransUnion aims to provide

5、 the most insightful and comprehensive view of consumer behaviorTruVision Blended DataTruVision BlendedDataTruVision Trended Credit DataCheckingShort-term lendingPropertyAddress stabilityPublic recordsOver 3 billion non-traditional data records collected on over 260 million Americans(95%of US househ

6、olds),including:Checking/debit account Payday lending/microloan activity(a.k.a.,short-term lending or STL)Public records and real estate Address and phone stability Foreclosures and bankruptcies Alternative dataTrended consumer credit data Trending 30 months of historical data on a consumer provides