Ma Jun drive: the power of sinking data to the heart of sincerity

Due to the anonymity of the Internet, the Internet has gradually become an important fraud tool for scammers. However, with the development of technology, especially the emergence and popularity of social networks and e-commerce, your words and deeds are recorded in the servers of Internet service providers. They not only know who you are, what you like, but even the identity, character, and preferences of the people around you.

Ma Jun drive: the power of the data to gather to the heart of sincerity

Ma Jun drive: the power of sinking data to the heart of sincerity


Development of the Internet failed to stop the pace of fraud <br> <br> Today, small brush single, large to defraud using false information on the network, the network of fraud are everywhere. According to a recent report issued by the US credit bureau Yibo Rui, online transaction fraud has experienced explosive growth in China, with credit and bank card fraud being the most serious.

It seems that there has been a paradox. On the one hand, the proposition of "On the Internet, no one knows that you are a dog" has become a past tense, and Internet companies can even know users better than users in some aspects. On the other hand, online fraud has become increasingly fierce. What is the reason?

The reason why fraud can happen is because of the asymmetry of information. The scammers are in a dominant position because they have more information. On the contrary, the swindlers are at a disadvantage. Although there is a large amount of data on the Internet, it is controlled by various Internet companies and is regarded as a core secret. Few companies are willing to open data to others. This has formed an information island, and the information that a single company has is enriched. Compared with the whole, it is still a drop in the ocean. Therefore, a liar is likely to succeed if he uses some false information.

“When a company is limited to information islands, the company’s control of risk often takes an inward-looking thinking. Based on a small amount of information that it has, it can predict the problems that may occur in advance, and this kind of risk control can play a role. In the Internet era, of course, it is also very limited." Ma Jun, vice president of Tongdun Technology, said.

But the fact is, the development of Internet technology can reduce the risk of fraud by the company <br> <br> The key is how to aggregate all aspects of information, so that any fraud have become traceable, in order for the company to provide A secure network environment.

Since the cause of fraud is the asymmetry of information, it is necessary to break the information islands, link a large amount of information, and find the correlation of information from a large amount of seemingly unrelated information through specialized analysis and processing. This formation company can be used as a reference for making decisions.

The way of using big data for wind control is called "Wind Control 3.0". "The 'Wind Control 3.0' method changed the mind of the past to look out, that is, to find the scammer through the data sharing of big data, so that every move is completely exposed to the company." Ma Jun explained.

Big data risk control As its name suggests, data acquisition is the foundation of this approach. A large amount of data is in the hands of large Internet companies headed by BAT, and they have certain advantages in big data risk control. Therefore, in the eyes of many people outside the industry, companies that do big data risk control are difficult to compete with BAT.

For such a point of view, Ma Jun drive does not agree. He said, "BAT has a lot of data, but it is relatively concentrated, just like a panther in the tube. It is difficult to see the whole picture after all. But the third-party big data risk control company like Tongdun Technology, because customers come from many industries, Therefore, it is possible to collect data from all parties and make the data more diverse, but it can have a more comprehensive understanding of the overall situation."

The greatest natural enemy of mankind is himself! How to break data protectionism?

For third-party big data risk control companies, a big problem is how to get customer data. Data protectionism has certain rationality when data security cannot be guaranteed. Especially in the financial industry, a slight carelessness may have serious consequences. Therefore, financial institutions have traditionally tended to build their own risk control systems.

With the development of technology, there are many ways to protect data security. For example, through one-way encryption of data, although third-party big data risk control companies can still analyze and give risk judgments based on this, they cannot obtain the specific content of the data, even if the data is accidentally leaked, With encryption protection, the data is still safe.

Ma Jun said frankly, "We found that everyone is more and more open. In the past, banks did not believe in these cloud data services, but from the perspective of the CBRC, or from the bank itself, they are loose. The acquisition of third-party data is slowly becoming more and more open." Technology has become an important guarantee for gaining trust.

With the protection of technology, although the third-party big data risk control company can not obtain the specific content of the data, through analysis, some high-value sensitive information can still be obtained. Therefore, many companies are worried that after data sharing, they will expose their weaknesses to competitors, thereby reducing market competitiveness and may even attract more competitors.

This requires third-party big data risk control companies to remain neutral. The so-called neutrality refers to not involving the customer's industry, that is, including investing in itself, and accepting investment from competitors. In the concept of Tongji Technology, maintaining neutrality is one of the key ones. It is precisely because of the persistence and practice of the neutral concept that Tongdun Technology has gained the trust of more and more companies, and thus formed a diverse, rich and trusting ecosystem.

A good ecosystem is the fundamental source of the strength of third-party big data risk control companies. On the one hand, it provides multi-dimensional data for the wind control company; on the other hand, it also ensures the stability of the data source and greatly reduces the cost of the wind control company to obtain accurate data. However, the foundation of all this is trust. Only trust can completely eliminate the "strong" data protectionism.

Building trust is the eternal pursuit of mankind, although it will never be pursued.

The biggest difference between people is the idea <br> <br> talking about is what sustains a difficult time to spend a moment with the entire team Shield Technology, Ma flooding, he said, "(the Company) encountered at different stages There are indeed many different kinds of problems, but as long as the hearts can get together, they will definitely solve the problem."

What can bring together the hearts of a team? That is, everyone in the entire team shares the same philosophy. "We hope to make life more honest. If this vision is true, all of our colleagues are passionate about doing this. Every time there is difficulty, we can overcome it." Ma Jun said. The common idea is the best glue of a team. This kind of spiritual strength is far more powerful than the high officials, and it can give the team a strong fighting power.

In the choice of talents, many companies are faced with a problem. When job seekers can't have both ability and talent, how to choose? On this issue, Ma Jun did not hesitate to choose "de". "Sometimes we don't think that the most capable people belong to the same technology, because without a common philosophy, when it is difficult, this road is difficult to go."

The learning and formation of knowledge, skills and even abilities are relatively easy, and the cultivation of ideas, personality and quality is much more difficult. Therefore, choosing the right person to enter the company is crucial. The famous American management scholar Jim Collins put forward the idea of ​​"the ancestors" after research, emphasizing the importance of choosing "appropriate people" for the company's development, especially the leap from excellence to excellence.

For "seek Road," the company, they tend to be more of a leader with a strong sense of mission <br> <br> Business is a human activity by its very nature, and Chinese ancients believed that all activities can become self-cultivation The process of constantly improving the realm.

The initial level of business is "profit", followed by "finding the name" and the highest "make a way." The first two levels of companies are the most common in the market. If they can grasp the needs of customers and adopt a reasonable model, they can still become large multinational companies. However, its spiritual essence has not yet surpassed the pursuit of pure name and profit. Therefore, if the company's leaders can't improve further in the realm, these companies will have no difficulty in further development.

For companies that seek to “make a way”, their leaders often have a stronger sense of mission, hoping to use business power to change society and even change the world to make people's lives better. These companies are a minority among all companies, but they have amazing energy.

Business is the discovery and satisfaction of certain needs, while the deeper level is the development of goodness in human nature and the malignancy of human nature.

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