The reason for this is the way we make decisions.
鏄垜浠仛鍐冲畾鐨勬柟寮忓鑷寸殑杩欑缁撴灉銆?br />Judges have the best intentions when they make these decisions about risk, but they're making them subjectively.
娉曞畼鎬€鐫€鍠勬剰鍋氬嚭杩欎簺鏈夐闄╃殑鍐冲畾锛屼絾锛屾槸涓昏鐨勫喅瀹氥€?br />They're like the baseball scouts 20 years ago who were using their instinct and their experience to try to decide what risk someone poses.
浠栦滑灏卞儚20骞村墠鐨勬鐞冧睛鏌ュ憳锛屼粬浠嚟鏈兘鍜岀粡楠岃瘯鐫€鍘诲垽鏂煇涓汉鍒堕€犵殑鍗遍櫓銆?br />They're being subjective, and we know what happens with subjective decision making, which is that we are often wrong.
浠栦滑鏄富瑙傜殑锛屾垜浠煡閬撲富瑙傚喅绛栦細瀵艰嚧浠€涔堬紝閭ｅ氨鏄垜浠父甯哥姱閿欍€?br />What we need in this space are strong data and analytics.