Modern Integrated Data Platform as a foundation for next generation AI

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1 Modern Integrated Data Platform as a foundation for next generation AI Bled, November 08 Goran Golubović

2 Overview of NLB Group Slovenia Active in Slovenia and 6 emerging markets in SE Europe with population of 7 million Top position in markets by total assets An extensive network of 50 branches Approximately.8 million active customers within NLB Group Bosnia and Herzegovina Serbia The largest banking and financial institution in Slovenia by total assets Montenegro Kosovo. % market share by total assets (as of Jun 08) Macedonia Substantial turnaround in operational profitability and asset quality since 0

3 National champion in Slovenia and among top players in selected SEE markets Slovenia Bosnia and Herzegovina Serbia The largest banking and financial group in Slovenia with unique track record in innovation Leading positioning in high growth SEE markets Diversified credit portfolio, free of legacy issues Montenegro Kosovo 4 Sustainable profitability delivered by a customer centric business model Macedonia 5 Self funded, well capitalized franchise with growth potential, supporting attractive future dividend payout 6 Clear path going forward

4 We are introducing revolutionary solutions Through 4/7 video call and chat our customers can reach our consultants anytime and anywhere Quick Loans in mobile bancs Klinkin and Klikpro can be taken out by our customers in only a couple of minutes, anytime and anywhere More than 40 contactless ATMs in Slovenia 4 Mobile wallet NLB Pay - the most modern payment method 4

5 A journey to information driven bank 4 Journey to truly information driven bank requires buy-in at all company levels becomes bank s strategic asset that enables all relevant decisions Implementation of Data Management platform gives company power to exploit the information driven banks are more agile than their counterparts and they adapt the business to stay competitive 4 awareness oriented understanding driven Company is curious and aware of information's potential value Company already has benefits from information and DWH already exists Company gets information why something happened Company adopts information as strategic asset 5

6 Classic DWH platform Classic DWH platforms are implemented in most of the today s companies They are mostly solid, enterprise solutions with traditional development cycle This platforms slowly becomes a bottleneck to modern company demands Data Sources ETL Enterprise DWH Calculation Engines Data Marts Reports Structured Data Sources Extract Transform Load to Data Warehouse Structured atomic industry data model Complex Business Calculations Structured Business Data model Regulatory reporting 6

7 Modern data management platform Modern Data Management platform should provide possibility of storing literally unlimited amounts of data in any given format It should allow real time data streaming and processing with proper data governance and security Data Sources ETL & ELT Enterprise DWH Calculation Engines Data Marts Reports Structured Data Sources Extract Transform Load and Extract Load Transform Structured atomic industry data model Complex Business Calculations Structured Business Data model Regulatory reporting Unstructured Data Streaming Data Lake Sandbox Advance Analytics BI Data Journey Unstructured Data Sources Live Data Streaming Big Data with structured and unstructured data Data discovery playground Predictive analytics Machine Learning and AI Business intelligence and data exploration 7

8 Business intelligence based on bi-modal logical architecture BI platform should be build on unified, virtualized data layer Should follow the bi-modal development methodology Logical BI model should be unique for all business areas Existing Data Sources Virtualized Data Layer Logical BI Model BI Data Journey Internal and external Data sources Semi virtualized data layer with unified data assets Structured Business Data model Data Journey with Dashboards, stories and reports 8

9 Business intelligence based on bi-modal logical architecture Virtual data layer should provide option for simple and fast migration to new data platforms and new data sources Goal is to get centralized data pool with common data marts and to simplify data exploration Goal is to get unified reporting framework and to establish data democratization Existing Data Sources New Data Sources Virtualized Data Layer Logical BI Model BI Data Journey Structured Data Sources Internal and external Data sources Semi virtualized data layer with unified data assets Structured Business Data model Data Journey with Dashboards, stories and reports 9

10 Advance analytics deeper insights and predictions Autonomous data examination with sophisticated techniques and tools Discover deeper insights and make predictions and recommendations ML F DM DL MS PM Machine Learning Forecasting Data Mining Deep Learning Multivariate Statistics Learn from data without explicitly programing Predicting at a more detailed level of granularity Discovering patterns in large data sets Based on learning data representations Simultaneous analysis of more outcome variables Predictive Models Use statistic and models to predict outcomes NN PM SA CA SA V Neural Networks Pattern Matching Sentiment Analysis Cluster Analysis Semantic Analysis Visualization Nonlinear sophisticated modeling techniques Recognitions of regularities and patterns in data Opinion mining or emotion artificial intelligence Grouping similar objects for statistical data analysis Approximate concepts from Large set of documents Exploration of large amount of data 0

11 A journey to information driven bank is journey from customer satisfaction to customer happiness Bank is delivering products and services which are way better than customer expects Bank predict customer needs before even customer is aware of it 4 awareness oriented understanding driven Unsatisfied customer Delivering less than what is expected Satisfied customer Delivering what customer except Happy customer Delivering a products and services which are better than expected 9

12 Thank You Q & A goran.golubovic@nlb.si