Big changes, with beneficiaries and borrowers of bank with red loansbrings the adoption of artificial intelligence by the requirements management companies.
Management companies are embracing the AI, gaining the capabilities created by artificial intelligence to produce automated red loan regulation (banks), which are at the same time more targeted and ultimately personalized for each customer. As they reported this week, at a conference on the NPEs and the management of NPEs, Red Loan Management Companies, in addition to automating back office automation that releases resources for even more active portfolio management, with AI the properly trained executive can enrich the characteristics of debt.
Based on these features, it will be able to differentiate it on a case -by -case basis, ultimately improving the proposed solution for the customer, without the need for a developer to create new software each time. With the solution that the Management Company will form with the assistance of AI, a debtor who e.g. It has a better sustainability in the setting of it, it will receive an automated arrangement, but more favorable than someone else.
As the proposed solutions have taken into account too many features of debtors, along with speed, large scale and automation will eventually result in personalized arrangement for each customer, which will be based on rules and enhance equal treatment and transparency. However, personal communication and negotiation between service and borrower will not be eliminated and will continue to be necessary in more complex or sensitive incidents.
Artificial intelligence will also have a positive effect on the effective management of real estate in the servicers portfolios.
First of all, the assessment of commercial value already in some cases, mainly residential real estate, is done with indicators, could be optimized as it is now possible to make the simultaneous use of public data available with the data the company itself has and can be done with cloud infrastructure on a huge scale. Although natural autopsies will continue to take place, artificial intelligence will help the appraisers and managers themselves in terms of speed and reliability of estimates.
Another important field of utilization of artificial intelligence in the real estate is clustering, that is, their grouping. Taking into account data such as location, potential performance, demand rates, market timing and re -utilizing very large volumes of data, management companies will be able to create different clusters with each strategy different and above all with AI being dynamic and directly modified.
Finally, artificial intelligence will also be able to provide market trends for market trends, thereby facilitating management companies to choose the best time for the sale of real estate.