{"id":1563,"date":"2018-10-01T14:21:42","date_gmt":"2018-10-01T12:21:42","guid":{"rendered":"https:\/\/www.solunion.com\/blog\/?p=1563"},"modified":"2019-11-22T09:30:31","modified_gmt":"2019-11-22T08:30:31","slug":"impago-las-promesas-del-analisis-predictivo","status":"publish","type":"post","link":"https:\/\/solunion.com\/en\/impago-las-promesas-del-analisis-predictivo\/","title":{"rendered":"Impago: las promesas del an\u00e1lisis predictivo"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1563\" class=\"elementor elementor-1563\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2ff8fed7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ff8fed7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;7086431&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d33f32a\" data-id=\"1d33f32a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed30e2b elementor-widget elementor-widget-text-editor\" data-id=\"ed30e2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El impago es una de las principales causas que propician la desaparici\u00f3n de las empresas. Para paliar sus consecuencias, las compa\u00f1\u00edas cuentan con diferentes medios: seguro de cr\u00e9dito, \u00a0an\u00e1lisis financiero de solvencia, gestiones de recuperaci\u00f3n de deuda\u2026\u00a0 Enfoques tradicionales, que hoy se al\u00edan con una tecnolog\u00eda que ya ha demostrado su fortaleza en otros campos: el an\u00e1lisis predictivo.<\/p><p><strong>De la meteorolog\u00eda al cr\u00e9dito del cliente<\/strong><\/p><p>El an\u00e1lisis predictivo consiste en utilizar la informaci\u00f3n disponible para determinar, entre muchas posibilidades, las m\u00e1s probables, o elegir el mejor escenario, para anticipar una amenaza o maximizar la eficacia y la eficiencia de las acciones previstas. Dicho de otro modo, y como su propio nombre indica, su objetivo es detectar los problemas antes de que surjan. Estas capacidades han estado reservadas a determinados sectores, como los servicios meteorol\u00f3gicos o las fuerzas de seguridad. Ahora son accesibles a muchos otros campos, especialmente gracias a la disponibilidad de la fuerza de c\u00e1lculo necesaria que ofrece la nube, que suple la necesidad de adquirir y mantener instalaciones inform\u00e1ticas costosas.<\/p><p>Estas son algunas de las preguntas a las que el an\u00e1lisis predictivo puede dar respuesta:<\/p><ul><li>\u00bfQu\u00e9 productos ser\u00e1n m\u00e1s susceptibles de gustar al cliente?<\/li><li>\u00bfA qu\u00e9 precio se vender\u00e1 mejor?<\/li><li>\u00bfQu\u00e9 clase de acciones ser\u00e1n m\u00e1s eficaces en una campa\u00f1a electoral?<\/li><li>\u00bfA qu\u00e9 asociaci\u00f3n de medicamentos responder\u00e1 mejor un paciente con c\u00e1ncer?<\/li><li>\u00bfC\u00f3mo va a evolucionar una epidemia de gripe en las siguientes semanas?<\/li><li>Y por supuesto&#8230; \u00bfEste acreedor tiene probabilidades de abonar su factura cuando vence?<\/li><\/ul><p><strong>M\u00e1s all\u00e1 de la calificaci\u00f3n<\/strong><\/p><p>Porque en materia de impagos suele ser demasiado tarde cuando el problema aparece, su prevenci\u00f3n constituye un terreno de acci\u00f3n para el an\u00e1lisis predictivo. Estos son los cinco ingredientes a tener en cuenta para que pueda alimentar los datos:<\/p><ol><li>Es un tema de comportamiento (de quien toma la decisi\u00f3n de pagar a un proveedor antes que a otro).<\/li><li>El componente aleatorio es significativo (a priori, no sabemos nunca si una factura se pagar\u00e1 ni cu\u00e1ndo).<\/li><li>Los vol\u00famenes a gestionar son importantes.<\/li><li>Lo que est\u00e1 en juego es cr\u00edtico (llegando incluso a poner en riesgo la supervivencia del proveedor).<\/li><li>Casi siempre hay se\u00f1ales antes de que ocurra el impago.<\/li><\/ol><p>El an\u00e1lisis predictivo es similar a otros m\u00e9todos de calificaci\u00f3n utilizados desde hace tiempo para analizar la capacidad de un individuo o una empresa para pagar sus facturas, pero va m\u00e1s all\u00e1. Mientras que la puntuaci\u00f3n se basa inicialmente en el an\u00e1lisis del pasado, a partir de datos financieros estructurados, el an\u00e1lisis predictivo puede ser mucho m\u00e1s ambicioso, con la anticipaci\u00f3n de comportamientos futuros y la explotaci\u00f3n de datos mucho menos estructurados. Se\u00f1ales m\u00e1s d\u00e9biles que se recopilar\u00e1n, por ejemplo, en centros de llamadas o a trav\u00e9s de las redes sociales.<\/p><p><strong>Un gran poder que debe medirse<\/strong><\/p><p>Con su combinaci\u00f3n de series estad\u00edsticas e informaciones muy recientes, el an\u00e1lisis predictivo promete, en cierto modo, reemplazar el retrovisor por unos prism\u00e1ticos con visi\u00f3n nocturna. Por tanto, no es una varita m\u00e1gica que toque un archivo de datos y extraiga indicadores listos para usar. El \u00e9xito de los proyectos depende, de hecho, de muchos factores, entre los que se cuenta la complejidad del modelo estudiado.<\/p><p>La relevancia de los datos resultantes depende, igual y obligatoriamente, de la calidad y la fiabilidad de los datos disponibles. La informaci\u00f3n incompleta, redundante o distorsionada, impactar\u00e1 en los resultados obtenidos. Sin olvidar el caso en el que una confianza total en la tecnolog\u00eda entra\u00f1ar\u00eda la p\u00e9rdida del sentido com\u00fan.<\/p><p><strong>Seis etapas para poner en marcha el an\u00e1lisis predictivo<\/strong><\/p><ol><li>Preparar los datos (recopilaci\u00f3n, curaci\u00f3n, mejora de la calidad).<\/li><li>Construir el modelo.<\/li><li>Probar el modelo en los paquetes de datos preparados.<\/li><li>Implementar los modelos v\u00e1lidos aliment\u00e1ndolos con nuevos datos.<\/li><li>Hacer accesibles los an\u00e1lisis a los usuarios, especialmente gracias a una visualizaci\u00f3n adaptada a su funci\u00f3n.<\/li><li>Si es necesario, evolucionarlo o reemplazarlo por otro modelo m\u00e1s adecuado.<\/li><\/ol><p><i>Fuente: Euler Hermes<\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0434a69 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0434a69\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;8a00456&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b9bc30\" data-id=\"3b9bc30\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c46fa36 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c46fa36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0e90ed1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0e90ed1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;cce55aa&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-164ae33\" data-id=\"164ae33\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f88a6e0 elementor-widget elementor-widget-text-editor\" data-id=\"f88a6e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>Valora el contenido<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9015521\" data-id=\"9015521\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7141bfe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7141bfe\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;95b1415&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-489de71\" data-id=\"489de71\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-416f39a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"416f39a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\t\t\t\tEl impago es una de las principales causas que propician la desaparici\u00f3n de las empresas. Para paliar sus consecuencias, las compa\u00f1\u00edas cuentan con diferentes medios: seguro de Cr\u00e9dito, \u00a0an\u00e1lisis financiero de solvencia, gestiones de recuperaci\u00f3n de deuda\u2026\u00a0\t\t<\/p>\n","protected":false},"author":6,"featured_media":8299,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[304],"tags":[],"class_list":["post-1563","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguro-de-credito"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Impago: las promesas del an\u00e1lisis predictivo - Solunion, Credit and Surety insurance<\/title>\n<meta name=\"description\" content=\"El an\u00e1lisis predictivo de impagos puede ayudar a las empresas a evitar posibles retrasasos de sus clientes, que pueden hacer peligrar su supervivencia\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/solunion.com\/en\/impago-las-promesas-del-analisis-predictivo\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Impago: las promesas del an\u00e1lisis predictivo - 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