Los Angeles Lakers vs Portland Trailblazers Western Conference Finals 2000 Game 3 Last 3 Minutes (2000.05.26)
2025.01.23 15:21 jjchua1993 Los Angeles Lakers vs Portland Trailblazers Western Conference Finals 2000 Game 3 Last 3 Minutes (2000.05.26)
Los Angeles Lakers vs Portland Trailblazers Western Conference Finals 2000 Game 3 Last 3 Minutes (2000.05.26)
https://www.youtube.com/watch?v=dgM0sUabDss submitted by jjchua1993 to nba [link] [comments]
2025.01.23 15:21 Lazy-Succotash-3965 How artificial intelligence is transforming mortgage risk
Predicting in advance when a mortgage is likely to default years ago might have seemed like science fiction, but today, artificial intelligence is making this idea increasingly concrete and feasible. Thanks to the analysis of huge amounts of data - from individual borrower histories to general market trends - AI can in fact detect the first signs of possible problems, often before a payment is actually missed by the borrower.
This risk ‘prevention’ approach benefits both banks and customers. Lenders can avoid significant losses, while homeowners (or those wishing to buy one) have the opportunity to resolve any difficulties before they become unrecoverable, thus avoiding stress and serious financial consequences.
Instead of waiting until the borrower is already behind on payments, banks can intervene in a targeted and timely manner. Thus offering customised solutions to keep the mortgage in good standing while protecting the customer's economic stability. This is a real step forward in risk management, paving the way for stronger and more transparent relationships between financial institutions and borrowers.
Traditional lending methods are mainly based on standard rules: credit score, employment and family history, and debt-to-income ratio are checked. Once the loan has been approved, the borrower starts to pay the instalments; but if his financial situation worsens, this often leads to default notices and, in the most serious cases, to foreclosure. At that point, the damage is already done for both the borrower (who sees his credit compromised) and the lending institution (which suffers the loss).
Today, however, artificial intelligence offers a different approach: it continuously monitors various types of data, such as unemployment trends, economic changes or variations in the daily expenses of the individual customer. These signals, even if slight, can indicate possible payment difficulties in advance. If the algorithm detects these warnings, the bank has time to intervene by proposing alternative solutions, such as temporary reduction of instalments, refinancing or other changes to the loan, thus preventing the situation from becoming truly critical and sometimes irretrievable
Why early detection of defaults is important
The real strength of artificial intelligence lies in its ability to analyse data at astonishing speeds and to recognise complex patterns that would be undetectable by human staff. Instead of relying on a simple initial assessment, AI can constantly monitor a huge number of loans in real time, from thousands to millions. Some systems even use additional information, such as bill or rent payments, to get a more complete picture of each borrower's financial health.
Traditional credit scores remain important in the world of lending, but today they can only represent a snapshot of the situation. Artificial intelligence, on the other hand, provides an evolving picture of risk, allowing lenders to react more promptly and effectively.
These models continually improve with each new piece of data they receive on a daily basis, becoming increasingly accurate in predicting possible defaults. For example, if the closure of a company causes a surge in non-payments, an AI system is able to see the link between the two events much faster than a human analyst. Moreover, with the information gathered, the AI can then apply what it has learnt to other similar situations, helping to prevent large-scale insolvency waves.
This use of artificial intelligence to predict payment defaults is already a reality in several financial realities. They all use machine learning to analyse huge amounts of data and detect early signs of financial stress among borrowers.
Predicting mortgage defaults in real time
Some companies go far beyond simple credit scores, integrating multiple data sources to gain a more comprehensive view of the risk associated with each customer. Other companies have extended their artificial intelligence technology from personal loans to mortgages, showing how the influence of these solutions is growing.
Even large lending institutions, with huge mortgage portfolios, are turning to AI, realising that intervening before a customer starts to miss payments is more sustainable and beneficial in the long run.
As an old TV advertisement in Italy used to say: Prevention is better than cure!
Proactive solutions for lenders and borrowers
Many AI-driven solutions do not just signal a risk of default, but also recommend the best interventions to help borrowers stay in good standing. A simple example is the temporary reduction of payments: in case of short-term financial problems, such as job loss or unexpected medical expenses, lowering payments for a period can prevent the situation from getting worse.
Thanks to its ability to analyse large amounts of data, the AI is able to precisely identify which borrowers can benefit most from these temporary solutions, while also assessing whether their financial problems are likely to be resolved in the short term.
When economic difficulties last for a long time, the best solution may be to refinance or change the mortgage. Artificial intelligence systems assess whether reducing the interest rate or lengthening the payment time can help borrowers regain stability. Through predictive scenarios, these systems can also estimate the impact on the bank's overall portfolio, while offering a way out for borrowers.
Early intervention can also include financial counselling, training or customised alerts to help borrowers better manage their finances. This kind of proactive communication can take place via SMS, email or app notifications, automatically triggered as soon as artificial intelligence detects signs of possible difficulties.
Overcoming the challenges of ethics, data and regulations
Despite its many advantages, the use of artificial intelligence to predict mortgage default risks has to overcome some hurdles, notably data quality and ethical implications. If the source data are already biased, the models could reproduce past injustices. One only has to think of past lending practices that may have discriminated against certain segments of the population: without scrupulous scrutiny, these biases risk creeping into AI assessments.
Regulators and consumer protection associations must therefore insist on the importance of constant testing and verification to ensure that access to credit remains fair and that no discrimination of any kind is committed.
Another major obstacle is the ‘black box’ of more complex machine learning systems, such as deep neural networks. These models can be so intricate that even those who created them struggle to clearly explain how they arrive at certain conclusions. In an industry as regulated as mortgages, transparency is crucial: if a decision is not justified in an understandable way, borrowers and supervisors could challenge it.
The flip side of the coin would be the risk of relying too much on automation!
However much AI may evolve, there are situations that necessarily require human judgement. Often, the best results are achieved when AI analyses are made available to analysts such as underwriters, risk managers, and financial advisors who can supplement the data with their own expertise and experience, capturing aspects that an algorithm might overlook.
Future perspectives and conclusions
Looking to the future, artificial intelligence is likely to play an even more important role in risk assessment and mortgage management. Indeed, open banking initiatives may provide lenders with more and more detailed data, making forecasts even more accurate. Moreover, real-time monitoring and ‘dynamic’ lending conditions may become the norm.
In a scenario that evolves in this direction, companies that know how to use AI responsibly will benefit, with lower default rates and more stable relationships with borrowers. At the same time, regulations are likely to adapt to ensure transparency and fairness in decisions made with the help of AI.
According to some industry experts, artificial intelligence has great potential in reducing human biases and uncovering otherwise ignored trends. However, if left unchecked, data-driven models may continue to convey old inequities.
Many mortgage experts agree that machine learning performs best when coupled with human sensitivity. By striking the right balance, lenders can move from a reactive approach (where default notices and foreclosures arrive too late) to a proactive one, capable of predicting and averting the risk of default.
In this way, borrowers can be helped to avoid the financial and emotional burden of a foreclosure, while banks protect both their assets and reputation.
In a nutshell, the use of artificial intelligence to manage risk in mortgages is a big step forward for the industry. By constantly monitoring various signals, AI can detect possible difficulties in time and offer concrete solutions that help borrowers not to sink. Although challenges remain in terms of ethics, data and regulation, the trend is clear: more adoption of AI, more customised loans and less risk of default. As AI becomes more mature, the mortgage market will become more robust, quick to react and focused on supporting people to keep their homes.
submitted by Lazy-Succotash-3965 to mortgageItalyexpats [link] [comments]
2025.01.23 15:21 TetTheWiseman New player, how does this work?
 | I pulled golden cheese cookie from the gacha but she’s not on my cookies and she’s still locked for me. Is this related to the ancients thing, since I didn’t pick her? submitted by TetTheWiseman to CookieRunKingdoms [link] [comments] |
2025.01.23 15:21 lss_web_1444 Link post title 993
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2025.01.23 15:21 ReuelTzipora Burning Tokens Smartly: The Future of Sui Trump Farm
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2025.01.23 15:21 joneseydashoppe O jogo entre Flamengo e Volta Redonda será com time titular?
É o seguinte, o jogo Flamengo e Volta Redonda será no Mané Garrincha, aqui em Brasília, e queria saber se o jogo será com o time titular ou com o mesmo que enfrentou Boavista, Nova Iguaçu e Bangu. Se alguém puder me ajudar, agradeço
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2025.01.23 15:21 DawahBrahim2004 "I Want My Wife to Wear Niqaab" | Clip | Abu Mussab Wajdi Akkari
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2025.01.23 15:21 Dry_Revenue5067 😆
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2025.01.23 15:21 RunAny8349 Proč se těmi zrůdami nechají zavraždit?! Proč se je nepokusí alespoň nějak napadnout? Proč se nechají takhle zavraždit? Nechápu to :(
submitted by RunAny8349 to czech [link] [comments]
2025.01.23 15:21 Ihatemisinfo Favorite Devil?? (Doing a rewatch i just realized season 1 had 36 episodes. Cries in tv shows today) The order is perfect if you replaced box 2 'Of Late I Think of Cliffordville' with box 3 'The Howling man'
 | submitted by Ihatemisinfo to TwilightZone [link] [comments] |
2025.01.23 15:21 Corvocard Consigo ler processos de uma empresa?
Eu gostaria de ter acesso aos processos recebidos por uma empresa na qual já trabalhei.
Isso é possível?
Internamente, os supervisores falavam muito sobre a empresa receber vários processos e isso me deixou curiosa sobre que tipo de coisas eles faziam.
Eu saí de lá depois de duas semanas mas a curiosidade ainda fica, já que tenho medo de ir, sem saber, trabalhar pra outra empresa com práticas tão "processaveis". Há alguma ferramenta pro público leigo se informar sobre esses casos específicos?
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2025.01.23 15:21 RunAny8349 Proč se těmi zrůdami nechají zavraždit?! Proč se je nepokusí alespoň nějak napadnout? Proč se nechají takhle zavraždit? Nechápu to :(
submitted by RunAny8349 to czech [link] [comments]
2025.01.23 15:21 melmel2021 Music instagram page for sale?
Any instagram page that is big in house music for sale? 10k followers or more. Prefer edm or house music niche
submitted by melmel2021 to afrohousemusic [link] [comments]
2025.01.23 15:21 Beautiful_Spell6961 Easy camping
This will be my first lost lands and I was lucky enough to get easy camping so I just gave some basic questions things I should bring canopy cooler etc! Tips and tricks you wish you would have known with easy camping also I saw something where you can take the tents home after fest is this true? Would it be easy to take on a plane I know I would have to pay to put it under! Thanks for any advice in advance and see you guys in September!
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2025.01.23 15:21 TheBakedPotatoMan1 I'm starting to hate this community
Like all most people do is complain and it's so draining and annoying. I read a recent post about the Melody Challenge and how the fallback reward if you already have her is only 500 credits and not a pin or some cosmetic as if that hasn't been in the game for almost a year now. I understand that it's mainly children and stuff but lighten the fuck up god damn.
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2025.01.23 15:21 Stoned-hippie How to view your W2 online
One.Walmart.com > me > my money > tax center > online w2 form
This is the path you will take to get to your W2 online, if you have consented to online delivery. I received mine a few days ago and have seen a lot of people ask.
If you never consented to online delivery (in your career) then a paper copy should be available with your People Lead at the end of the month before getting mailed out to those who didn’t pick theirs up.
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2025.01.23 15:21 lss_web_1444 Video post title 471
 | submitted by lss_web_1444 to automationContentCom [link] [comments] |
2025.01.23 15:21 rich0831 New to the atf/nfa
Looking to buy a SBR but I don’t know how to do the process? Fill out atf form before buying? Buy the gun then wait for atf aproval? Do they need serial no. Of firearm? Do I need to do it in person at a shop? Help 😭😭😭
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2025.01.23 15:21 RunAny8349 Proč se těmi zrůdami nechají zavraždit?! Proč se je nepokusí alespoň nějak napadnout? Proč se nechají takhle zavraždit? Nechápu to :(
submitted by RunAny8349 to czech [link] [comments]
2025.01.23 15:21 MikeTheRasta Any tips on cleaning the Ryan Fitt V2?
 | I can't get the last bit of resin out of the recycler in the area above the water line. Its a bit hard to see but those tiny bubbles aren't water. I've tried heated alcohol and kosher salt, heated dark crystal, vinegar soak, and BKF. Also only use distilled water and rinse with distilled water... Any tips would be greatly appreciated! submitted by MikeTheRasta to puffco [link] [comments] |
2025.01.23 15:21 dejobaan An RTS infographic, since Steam's Real-Time Strategy Fest is on
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2025.01.23 15:21 Realholder Uma pena o preço das ações estarem subindo novamente.
Queria tanto ter tido mais dinheiro para ter abaixado o preço médio de ITUB, BBAS, BPAC e ter entrado forte quando CXSE quase chegou abaixo de 14 reais. Uma pena mesmo.
Empresas com resultados excelentes e cotação caindo.
Agora é esperar uma correção do mercado americano. E esperar a volatilidade do Brasil fazer efeito novamente (provavelmente nas eleições do ano que vem).
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2025.01.23 15:21 Illustrious-Pay3638 ACPC MBA ADMISSION THROUGH COE
Need help ! Does anyone know what exactly is the procedure for acpc mba admission in Coe colleges (Nirma university especially) what's the procedure of selection and how do they give seats.
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2025.01.23 15:21 dh109-f4 Ya hammar
 | Hammar :) submitted by dh109-f4 to Luthier [link] [comments] |
2025.01.23 15:21 No_Caregiver8253 29 ko tumhara bhai yeh wale college jaayega, anyone has any idea kesa college hai? exam hall kesa hai? and all other
 | submitted by No_Caregiver8253 to JEENEETards [link] [comments] |