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Google Cloud Platform > 实例探究 > 轻松扩展数据:BharatPe 的 Google Cloud 之旅
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BharatPe: Leveraging Google Cloud for Enhanced Data Analytics and AI to Promote Digital Payments

技术
  • 分析与建模 - 机器学习
  • 网络与连接 - NFC
适用行业
  • 设备与机械
  • 金融与保险
适用功能
  • 销售与市场营销
  • 仓库和库存管理
用例
  • 欺诈识别
  • 预测性维护
服务
  • 云规划/设计/实施服务
  • 数据科学服务
挑战
BharatPe 是印度的一家金融科技公司,旨在促进线下商家的数字支付,并改善小企业的信贷准入。他们需要处理和分析每天生成的大量数据以做出实时决策。
关于客户
BharatPe 为印度超过 1000 万小型线下商家和 kirana 店主提供服务。他们提供二维码解决方案,支持无现金支付并向这些商家提供贷款。他们还有一款名为 postpe 的消费金融科技产品。
解决方案
BharatPe 利用 Google Cloud 的 BigQuery 和 Vertex AI 来扩展其机器学习管道并获取关键业务流程的见解。他们还利用 Cloud Composer、Pub/Sub、Dataflow 和其他 Google Cloud 服务在多云环境中摄取、分发和编排数据工作流。
运营影响
  • The use of Google Cloud has significantly improved BharatPe's operational efficiency. The company is now able to process data at speed and scale for real-time decision making. The serverless architecture allows BharatPe to manage pipelines with a lean team. The company is also able to scale its data processing, especially for data-intensive workflows such as machine learning. The use of machine learning has also improved credit access for small merchants by speeding up loan approval decisions. BharatPe is now able to create a loan profile on each applicant that determines the loan amount, with some merchants getting their loans approved almost immediately. The company also uses machine learning for KYC and underwriting for its consumer-facing postpe app, helping customers get instant credit for buy-now-pay-later purchases, without the hassle of applying for a credit card.

数量效益
  • Processes up to 80TB of data each day on BigQuery with minimal infrastructure management

  • Supports a multi-cloud strategy with Cloud Composer to orchestrate more than 1,000 data workflows between clouds

  • Reduced time to insight and enabled automated decisioning using AI/ML for critical business processes like fraud detection and credit decisions

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