The impact of artificial intelligence on the global economy gradually increases，Many areas will face innovation。Recent，Assistant Professor of Marketing Studies at the University of Bath, Christopher AMARAL (CHRISTOPHERALAL) on the "Dialogue" network, say，Relying on historical price data、Machine learning and algorithms，Artificial Intelligence is expected to replace artificial，Calculate the best price of selling the same product or service to different consumer groups。British Virgin Atlantic Airlines and other companies are using machine learning to determine a more competitive air ticket price。The field of mortgage loans also bet365 Play online games has such a development trend，Especially the loan pricing method may change due to the widespread application of artificial intelligence。

Research indicates，The pricing power of the pricing power of the products and services in many industries (including financial services) is mainly in the hands of the sales staff。For example，Institutions that provide car purchase loans often entrust dealers to discuss and determine loan conditions with customers，Including interest rates、Loan scale and loan period, etc.。Generally speaking，Loan prices mainly include loan interest rates、Loan commitment fee and service fee、Payment or overdue fines, etc.，Loan interest rate is the main component of the loan price。For decades，The ability to evaluate the customer's price sensitivity at the sales point subjectively is regarded as a unique competitive advantage。bet365 Play online games Although artificial intelligence can analyze more data and make more accurate decisions，But in the field of car purchase loans，It is rare to use artificial intelligence technology for loan pricing。

Amalar and their colleagues used machine learning models to analyze thousands of loans from Canadian car dealers，To explore how to use artificial intelligence for loan pricing and maximize the profit of the loan institution。They found，Differential pricing and optimal sales incentives driven by artificial intelligence can bring 34%profit growth to the loan institution。Compared with the loan pricing given by the sales staff，The algorithm developed by Amalar and others is the loan price given by customers with low risk and secondary risk.，and high -risk customers，The loan price given by the algorithm is higher。

Amalar pointed out，Although the loan price determined by the salesperson to bet365 live casino games high -risk customers is usually more than 0.5 percentage points higher than the loan price determined by the low -risk customers，But the algorithm display，Dealers have greater pricing space to obtain more benefits，The loan pricing given to high -risk customers may be 1.07 percentage points higher than the low -risk customers。​​In actual life，Low -risk customers' loan approval rates are usually more than 50 percentage points higher than high -risk customers。Considering facing high -risk customers，The loan approval rate and loan price given by the artificial intelligence system are significantly higher than the car dealer and its salesperson。Amalar thinks，In order to get higher income，Loan institutions will not rely on the subjective judgment of auto dealers and their salespersons as in the past，Instead, more refer to the opinions Bet365 lotto review of the artificial intelligence system，This may be a factor that prompted artificial intelligence to obtain widespread application in loan pricing。

From Amalar's view，High -quality data will replace the experience and wisdom of sales staff，Concentration differences based on artificial intelligence will make the loan agency get higher profits，It can also benefit high -risk borrowers。But，As early as February 2022，British financial regulatory agencies have issued warnings to banks who want to use the artificial intelligence system to approve loans，It is pointed out that only when a bank can prove that this method will not cause adverse effects to people who are difficult to obtain loans，can we use this technology in the field of loan。can be foreseeable，People will start more discussions on the application of artificial intelligence technology in the field of pricing decision -making。

(Liu Yuwei/Compilation)