Whether it is possible to use artificial intelligence and neural networks to make more available financing for small and medium business? How do new technologies change the relations of bank and the borrower company? Denis Osin. Photo: Alfa-Bank About it Denis Samsonov has had a talk with the board member, the head of the block "small and medium business" of Alfa-Bank Denis Osin. We will begin with a new product which has presented Alfa-Bank for the corporate clients. In him such fashionable decisions as big data and neural networks for the analysis of credit risks are used. In what the idea of this development? What new opportunities does she offer? Denis Osin: Each bank provides to the clients a difficult credit product today. We have added only one — technologies which allow to obtain the credit almost instantly. For this purpose we use all that array of information on the client which has collected at us for many years, for example, his history of settlings with contractors or credit history. On the basis of the analysis of these data we can make very quickly the decision on granting the credit to him. The client needs to press only the OK button — to agree proceeds of credit have got to him into the account. Here and all technological effectiveness. That is actually you have replaced employees who had to fill various pieces of paper, big data and neural networks. In other words, have excluded subjective approach to this question. Denis Osin: Quite so. Our participation of the person in this procedure is almost excluded. Everything is sewn up at the level of algorithms — the system analyzes history of the relations of the client with bank and makes calculations, what credit limit at present we can offer our client. For someone it is 500 thousand rubles, for someone — several millions. This offer is personified for each client. If to develop a situation and to look on it with the businessman's eyes how for him interaction with bank after introduction of this algorithm will look? Denis Osin: If to describe this process step by step, then at first we will come to you and we will suggest you to become the client of Alfa-Bank. You will need to open the settlement account and to begin to work actively with bank, performing operations in our system. In three months we will offer you the credit, otherwise, a spare purse which you can use in the fullness of time for your business. I don't know any businessman who would tell that he doesn't need additional resources which he could use in the operating activities, whether it be need to close a cash rupture or desire of the owner of hairdressing salon to get one more chair. It is essentially important that this preapproved decision, access to which the client gets in Internet bank. The credit will be given nearly one click expressing the consent of the client: "Ok, I want that these means have been enlisted on my settlement account". It turns out that while I become the client of Alfa-Bank, your neural network begins to look behind my business, and
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