{"id":7440,"date":"2026-04-10T15:48:20","date_gmt":"2026-04-10T08:48:20","guid":{"rendered":"https:\/\/alldataint.com\/articles\/?p=7440"},"modified":"2026-04-10T15:55:24","modified_gmt":"2026-04-10T08:55:24","slug":"predictive-risk-modeling-fsi-dataiku","status":"publish","type":"post","link":"https:\/\/alldataint.com\/articles\/predictive-risk-modeling-fsi-dataiku\/","title":{"rendered":"Predictive Risk Modeling FSI &#8211;  Dataiku"},"content":{"rendered":"\n<p>Industri&nbsp;asuransi&nbsp;saat&nbsp;ini&nbsp;menghadapi&nbsp;tantangan&nbsp;yang&nbsp;semakin&nbsp;kompleks\u2014mulai&nbsp;dari&nbsp;meningkatnya&nbsp;risiko&nbsp;fraud,&nbsp;ketidakpastian&nbsp;klaim,&nbsp;hingga&nbsp;tuntutan&nbsp;personalisasi&nbsp;layanan. Di&nbsp;sinilah&nbsp;<strong>predictive analytics insurance<\/strong>&nbsp;menjadi&nbsp;solusi&nbsp;strategis&nbsp;untuk&nbsp;meningkatkan&nbsp;akurasi&nbsp;pengambilan&nbsp;keputusan&nbsp;berbasis&nbsp;data.&nbsp;<\/p>\n\n\n\n<p>Sebagai&nbsp;partner&nbsp;resmi&nbsp;Dataiku di Indonesia, kami di All Data International&nbsp;telah&nbsp;membantu&nbsp;berbagai&nbsp;perusahaan&nbsp;di&nbsp;sektor&nbsp;Financial Services Industry (FSI),&nbsp;khususnya&nbsp;asuransi,&nbsp;dalam&nbsp;mengimplementasikan&nbsp;<strong>predictive risk modeling<\/strong>&nbsp;secara&nbsp;end-to-end.&nbsp;<\/p>\n\n\n\n<p>Artikel&nbsp;ini&nbsp;akan&nbsp;membahas&nbsp;bagaimana&nbsp;AI risk scoring&nbsp;bekerja,&nbsp;manfaatnya,&nbsp;serta&nbsp;bagaimana&nbsp;implementasinya&nbsp;dapat&nbsp;meningkatkan&nbsp;profitabilitas&nbsp;dan&nbsp;efisiensi&nbsp;operasional&nbsp;perusahaan&nbsp;asuransi.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Apa Itu Predictive Risk Modeling&nbsp;dalam&nbsp;Asuransi?<\/strong>&nbsp;<\/h2>\n\n\n\n<p><strong>Predictive risk modeling<\/strong>&nbsp;adalah&nbsp;pendekatan&nbsp;berbasis&nbsp;AI dan machine learning&nbsp;untuk&nbsp;memprediksi&nbsp;kemungkinan&nbsp;risiko&nbsp;di masa&nbsp;depan&nbsp;berdasarkan&nbsp;data&nbsp;historis.&nbsp;<\/p>\n\n\n\n<p>Dalam&nbsp;konteks&nbsp;asuransi,&nbsp;ini&nbsp;mencakup:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prediksi\u00a0kemungkinan\u00a0klaim\u00a0\u00a0<\/li>\n\n\n\n<li>Penilaian\u00a0risiko\u00a0nasabah\u00a0(risk scoring)\u00a0\u00a0<\/li>\n\n\n\n<li>Deteksi\u00a0fraud\u00a0\u00a0<\/li>\n\n\n\n<li>Penentuan\u00a0premi\u00a0yang\u00a0lebih\u00a0akurat\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Dengan&nbsp;memanfaatkan&nbsp;<strong>predictive analytics insurance<\/strong>,&nbsp;perusahaan&nbsp;dapat&nbsp;beralih&nbsp;dari&nbsp;pendekatan&nbsp;reaktif&nbsp;menjadi&nbsp;proaktif.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mengapa&nbsp;Predictive Analytics&nbsp;Penting&nbsp;untuk&nbsp;Industri Asuransi?<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Industri&nbsp;asuransi&nbsp;sangat&nbsp;bergantung&nbsp;pada&nbsp;kemampuan&nbsp;dalam&nbsp;mengelola&nbsp;risiko.&nbsp;Tanpa&nbsp;analisis&nbsp;yang&nbsp;tepat,&nbsp;perusahaan&nbsp;berisiko&nbsp;mengalami:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Overpricing (premi terlalu mahal \u2192 kehilangan pelanggan)<\/li>\n\n\n\n<li>Underpricing (premi terlalu murah \u2192 kerugian)<\/li>\n\n\n\n<li>Fraud yang tidak terdeteksi<\/li>\n\n\n\n<li>Inefisiensi proses klaim<\/li>\n<\/ul>\n\n\n\n<p>Dengan&nbsp;predictive analytics,&nbsp;perusahaan&nbsp;dapat:&nbsp;<\/p>\n\n\n\n<p><strong>1.&nbsp;Meningkatkan&nbsp;Akurasi&nbsp;Risk Assessment<\/strong>&nbsp;<\/p>\n\n\n\n<p>Model AI&nbsp;mampu&nbsp;menganalisis&nbsp;ribuan&nbsp;variabel&nbsp;untuk&nbsp;menentukan&nbsp;tingkat&nbsp;risiko&nbsp;setiap&nbsp;nasabah&nbsp;secara&nbsp;lebih&nbsp;presisi.&nbsp;<\/p>\n\n\n\n<p><strong>2.&nbsp;Mengurangi&nbsp;Fraud<\/strong>&nbsp;<\/p>\n\n\n\n<p>Pola-pola&nbsp;mencurigakan&nbsp;dapat&nbsp;terdeteksi&nbsp;lebih&nbsp;awal&nbsp;menggunakan&nbsp;machine learning.&nbsp;<\/p>\n\n\n\n<p><strong>3.&nbsp;Personalisasi&nbsp;Produk<\/strong>&nbsp;<\/p>\n\n\n\n<p>Premi dan&nbsp;produk&nbsp;bisa&nbsp;disesuaikan&nbsp;dengan&nbsp;profil&nbsp;risiko&nbsp;individu.&nbsp;<\/p>\n\n\n\n<p><strong>4.&nbsp;Efisiensi&nbsp;Operasional<\/strong>&nbsp;<\/p>\n\n\n\n<p>Proses&nbsp;underwriting dan&nbsp;klaim&nbsp;menjadi&nbsp;lebih&nbsp;cepat&nbsp;dan&nbsp;otomatis.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Use Case: AI Risk Scoring pada Perusahaan Asuransi<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Salah&nbsp;satu&nbsp;implementasi&nbsp;paling&nbsp;umum&nbsp;dari&nbsp;predictive analytics insurance&nbsp;adalah&nbsp;<strong>AI risk scoring<\/strong>.&nbsp;<\/p>\n\n\n\n<p><strong>Bagaimana&nbsp;Cara&nbsp;Kerjanya?<\/strong>&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Pengumpulan\u00a0Data<\/strong>\u00a0\u00a0\n<ul class=\"wp-block-list\">\n<li>Data\u00a0historis\u00a0klaim\u00a0\u00a0<\/li>\n\n\n\n<li>Data\u00a0demografi\u00a0nasabah\u00a0\u00a0<\/li>\n\n\n\n<li>Data\u00a0perilaku\u00a0(behavioral data)\u00a0\u00a0<\/li>\n\n\n\n<li>Data\u00a0eksternal\u00a0(misalnya\u00a0credit scoring)\u00a0\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Data Preparation<\/strong>\u00a0<br>Menggunakan\u00a0platform\u00a0seperti\u00a0Dataiku, data\u00a0dibersihkan,\u00a0divalidasi, dan\u00a0diintegrasikan\u00a0dari\u00a0berbagai\u00a0sumber.\u00a0\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Model Training<\/strong>\u00a0<br>Algoritma\u00a0machine learning\u00a0dilatih\u00a0untuk\u00a0mengenali\u00a0pola\u00a0risiko.\u00a0\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Scoring<\/strong>\u00a0<br>Setiap\u00a0nasabah\u00a0diberikan\u00a0skor\u00a0risiko\u00a0(misalnya\u00a01\u2013100).\u00a0\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Deployment<\/strong>\u00a0<br>Model\u00a0diintegrasikan\u00a0ke\u00a0sistem\u00a0underwriting\u00a0atau\u00a0klaim.\u00a0\u00a0<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Peran Dataiku&nbsp;dalam&nbsp;Predictive Risk Modeling<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Sebagai&nbsp;platform end-to-end AI, Dataiku&nbsp;memungkinkan&nbsp;perusahaan&nbsp;asuransi&nbsp;untuk:&nbsp;<\/p>\n\n\n\n<p><strong>1. Data Preparation yang&nbsp;Cepat<\/strong>&nbsp;<\/p>\n\n\n\n<p>Tanpa&nbsp;coding&nbsp;kompleks,&nbsp;tim&nbsp;dapat&nbsp;melakukan&nbsp;data cleansing, feature engineering, dan&nbsp;integrasi&nbsp;data.&nbsp;<\/p>\n\n\n\n<p><strong>2.&nbsp;AutoML&nbsp;untuk&nbsp;Model Building<\/strong>&nbsp;<\/p>\n\n\n\n<p>Dataiku&nbsp;menyediakan&nbsp;AutoML&nbsp;yang&nbsp;mempercepat&nbsp;proses&nbsp;pembuatan&nbsp;model&nbsp;tanpa&nbsp;harus&nbsp;menjadi&nbsp;data scientist expert.&nbsp;<\/p>\n\n\n\n<p><strong>3.&nbsp;MLOps&nbsp;&amp; Deployment<\/strong>&nbsp;<\/p>\n\n\n\n<p>Model&nbsp;dapat&nbsp;langsung&nbsp;di-deploy&nbsp;ke&nbsp;production&nbsp;dengan&nbsp;monitoring&nbsp;performa&nbsp;secara&nbsp;real-time.&nbsp;<\/p>\n\n\n\n<p><strong>4. Governance &amp; Compliance<\/strong>&nbsp;<\/p>\n\n\n\n<p>Sangat&nbsp;penting&nbsp;untuk&nbsp;industri&nbsp;asuransi, Dataiku&nbsp;menyediakan&nbsp;fitur:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Model explainability\u00a0\u00a0<\/li>\n\n\n\n<li>Audit trail\u00a0\u00a0<\/li>\n\n\n\n<li>Bias detection\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Studi Kasus (Simulasi&nbsp;Implementasi)<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Salah&nbsp;satu&nbsp;klien&nbsp;di&nbsp;sektor&nbsp;asuransi&nbsp;(simulasi&nbsp;berdasarkan&nbsp;best practice&nbsp;implementasi):&nbsp;<\/p>\n\n\n\n<p><strong>Kondisi&nbsp;Awal:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fraud detection\u00a0masih\u00a0manual\u00a0\u00a0<\/li>\n\n\n\n<li>Proses underwriting lama (3\u20135\u00a0hari)\u00a0\u00a0<\/li>\n\n\n\n<li>Tingkat\u00a0klaim\u00a0tidak\u00a0terprediksi\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<p><strong>Setelah&nbsp;Implementasi&nbsp;Predictive Analytics:<\/strong>&nbsp;<\/p>\n\n\n\n<p>Dengan&nbsp;bantuan&nbsp;All Data International dan Dataiku:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Waktu underwriting\u00a0turun\u00a0hingga\u00a060%\u00a0\u00a0<\/li>\n\n\n\n<li>Fraud detection\u00a0meningkat\u00a035%\u00a0\u00a0<\/li>\n\n\n\n<li>Akurasi\u00a0risk scoring naik 25%\u00a0\u00a0<\/li>\n\n\n\n<li>ROI\u00a0meningkat\u00a0signifikan\u00a0dalam\u00a06\u00a0bulan\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Tantangan&nbsp;dalam&nbsp;Implementasi&nbsp;Predictive Analytics Insurance<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Meskipun&nbsp;powerful,&nbsp;implementasi&nbsp;AI di&nbsp;asuransi&nbsp;tidak&nbsp;lepas&nbsp;dari&nbsp;tantangan:&nbsp;<\/p>\n\n\n\n<p><strong>1. Data Silo<\/strong>&nbsp;<\/p>\n\n\n\n<p>Data&nbsp;tersebar&nbsp;di&nbsp;berbagai&nbsp;sistem.&nbsp;<\/p>\n\n\n\n<p><strong>2.&nbsp;Kualitas&nbsp;Data&nbsp;Rendah<\/strong>&nbsp;<\/p>\n\n\n\n<p>Banyak missing value&nbsp;atau&nbsp;data&nbsp;tidak&nbsp;konsisten.&nbsp;<\/p>\n\n\n\n<p><strong>3.&nbsp;Kurangnya&nbsp;Skill AI<\/strong>&nbsp;<\/p>\n\n\n\n<p>Tidak&nbsp;semua&nbsp;perusahaan&nbsp;memiliki&nbsp;data scientist.&nbsp;<\/p>\n\n\n\n<p><strong>4. Compliance &amp;&nbsp;Regulasi<\/strong>&nbsp;<\/p>\n\n\n\n<p>Harus&nbsp;mengikuti&nbsp;regulasi&nbsp;seperti&nbsp;UU PDP di Indonesia.&nbsp;<\/p>\n\n\n\n<p>Di&nbsp;sinilah&nbsp;peran&nbsp;partner&nbsp;seperti&nbsp;All Data International&nbsp;menjadi&nbsp;krusial&nbsp;untuk&nbsp;memastikan&nbsp;implementasi&nbsp;berjalan&nbsp;sesuai&nbsp;best practice.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Best Practice&nbsp;Implementasi&nbsp;AI Risk Scoring<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Berdasarkan&nbsp;pengalaman&nbsp;kami,&nbsp;berikut&nbsp;langkah&nbsp;terbaik:&nbsp;<\/p>\n\n\n\n<p><strong>1. Mulai&nbsp;dari&nbsp;Use Case yang Jelas<\/strong>&nbsp;<\/p>\n\n\n\n<p>Contoh: fraud detection&nbsp;atau&nbsp;underwriting optimization&nbsp;<\/p>\n\n\n\n<p><strong>2.&nbsp;Pastikan&nbsp;Data Readiness<\/strong>&nbsp;<\/p>\n\n\n\n<p>Kualitas&nbsp;data&nbsp;menentukan&nbsp;keberhasilan&nbsp;model&nbsp;<\/p>\n\n\n\n<p><strong>3.&nbsp;Gunakan&nbsp;Platform yang Scalable<\/strong>&nbsp;<\/p>\n\n\n\n<p>Seperti&nbsp;Dataiku&nbsp;untuk&nbsp;end-to-end workflow&nbsp;<\/p>\n\n\n\n<p><strong>4.&nbsp;Libatkan&nbsp;Business &amp; IT<\/strong>&nbsp;<\/p>\n\n\n\n<p>Kolaborasi&nbsp;lintas&nbsp;tim&nbsp;sangat&nbsp;penting&nbsp;<\/p>\n\n\n\n<p><strong>5. Monitoring &amp; Improvement<\/strong>&nbsp;<\/p>\n\n\n\n<p>Model&nbsp;harus&nbsp;terus&nbsp;di-update&nbsp;untuk&nbsp;menghindari&nbsp;drift&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Masa&nbsp;Depan&nbsp;Predictive Analytics di Industri Asuransi<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Ke&nbsp;depan, predictive analytics insurance&nbsp;akan&nbsp;berkembang&nbsp;ke&nbsp;arah:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Real-time risk scoring\u00a0\u00a0<\/li>\n\n\n\n<li>Hyper-personalization\u00a0\u00a0<\/li>\n\n\n\n<li>AI-driven claim automation\u00a0\u00a0<\/li>\n\n\n\n<li>Integrasi\u00a0dengan\u00a0IoT (misalnya\u00a0telematics\u00a0untuk\u00a0asuransi\u00a0kendaraan)\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Perusahaan yang&nbsp;lebih&nbsp;cepat&nbsp;beradaptasi&nbsp;akan&nbsp;memiliki&nbsp;keunggulan&nbsp;kompetitif&nbsp;yang&nbsp;signifikan.&nbsp;<\/p>\n\n\n\n<p><strong>Predictive risk modeling<\/strong>&nbsp;bukan&nbsp;lagi&nbsp;sekadar&nbsp;inovasi\u2014tetapi&nbsp;kebutuhan&nbsp;bagi&nbsp;perusahaan&nbsp;asuransi&nbsp;yang&nbsp;ingin&nbsp;tetap&nbsp;kompetitif&nbsp;di era digital.&nbsp;<\/p>\n\n\n\n<p>Dengan&nbsp;memanfaatkan&nbsp;<strong>predictive analytics insurance<\/strong>,&nbsp;perusahaan&nbsp;dapat:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mengelola\u00a0risiko\u00a0lebih\u00a0akurat\u00a0\u00a0<\/li>\n\n\n\n<li>Meningkatkan\u00a0efisiensi\u00a0operasional\u00a0\u00a0<\/li>\n\n\n\n<li>Mengurangi\u00a0fraud\u00a0\u00a0<\/li>\n\n\n\n<li>Meningkatkan\u00a0profitabilitas\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Sebagai&nbsp;partner&nbsp;resmi&nbsp;Dataiku di Indonesia, All Data International&nbsp;siap&nbsp;membantu&nbsp;Anda&nbsp;dalam&nbsp;perjalanan&nbsp;transformasi&nbsp;AI&nbsp;dari&nbsp;data&nbsp;hingga&nbsp;deployment.&nbsp;<\/p>\n\n\n\n<p>Sumber: <a href=\"https:\/\/www.dataiku.com\/solutions\/catalog\/model-risk-management\/\" target=\"_blank\" rel=\"noreferrer noopener\">Dataiku<\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Industri&nbsp;asuransi&nbsp;saat&nbsp;ini&nbsp;menghadapi&nbsp;tantangan&nbsp;yang&nbsp;semakin&nbsp;kompleks\u2014mulai&nbsp;dari&nbsp;meningkatnya&nbsp;risiko&nbsp;fraud,&nbsp;ketidakpastian&nbsp;klaim,&nbsp;hingga&nbsp;tuntutan&nbsp;personalisasi&nbsp;layanan. Di&nbsp;sinilah&nbsp;predictive analytics insurance&nbsp;menjadi&nbsp;solusi&nbsp;strategis&nbsp;untuk&nbsp;meningkatkan&nbsp;akurasi&nbsp;pengambilan&nbsp;keputusan&nbsp;berbasis&nbsp;data.&nbsp; Sebagai&nbsp;partner&nbsp;resmi&nbsp;Dataiku di Indonesia, kami di All Data International&nbsp;telah&nbsp;membantu&nbsp;berbagai&nbsp;perusahaan&nbsp;di&nbsp;sektor&nbsp;Financial Services Industry (FSI),&nbsp;khususnya&nbsp;asuransi,&nbsp;dalam&nbsp;mengimplementasikan&nbsp;predictive risk modeling&nbsp;secara&nbsp;end-to-end.&nbsp; Artikel&nbsp;ini&nbsp;akan&nbsp;membahas&nbsp;bagaimana&nbsp;AI risk scoring&nbsp;bekerja,&nbsp;manfaatnya,&nbsp;serta&nbsp;bagaimana&nbsp;implementasinya&nbsp;dapat&nbsp;meningkatkan&nbsp;profitabilitas&nbsp;dan&nbsp;efisiensi&nbsp;operasional&nbsp;perusahaan&nbsp;asuransi.&nbsp; [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7450,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[22,191],"tags":[],"class_list":["post-7440","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-data-analytics","category-dataiku"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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