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  1. Sep 2021
    1. 风控系统有规则和模型两种技术路线,规则的优点是简单直观、可解释性强、灵活,所以长期活跃在风控系统之中,但缺点是容易被攻破,一但被黑产猜到里面就会失效,于是在实际的风控系统中,往往再结合上基于模型的风控环节来增加健壮性。但限于篇幅,本文中我们只重点讨论一种基于规则的风控系统架构,当然如果有模型风控的诉求,该架构也完全支持

      基于规则和模型的优缺点

    1. RFM: Recency- How recently has your customer made a purchase Frequency- How often has your customer made the purchase Monetary Value- How much money does your customer spend on the purchase

      Elements Of A Customer Profile