Big Data and Analytics for Banking
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1 Big Data and Analytics for Banking A Point of View Pietro Leo Executive Architect IBM Italy CTO for Big Data Analytics & Watson Member of IBM Academy of Technology Core Management Team
2 ...Digital Transformation and its main enabling technical factor Big Data & Analytics is a Banking Industry Transformation engine.....
3 Banking Industry Transformation Pressures Digital natives Data Smart Machines Digital Transformation New Competitors (Big Data is part of it and a main enabling factor...) New Products
4 Banking Industry Transformation Pressures The age of new customers Demand new ways to interact Decide where and how buying process begins and ends on their terms Loyalty and stickiness is a function of convenience, gratification and value in every interaction Customers demanding a more immersive and engaging experiences The age of new information > the new natural resource 80% unstructured requiring new ways to mine and draw insights The age of new channels Mobile is as the primary buying and paying platforms Smartphones, Smartwatches, Google Glass, SmartWearables, ewallets, The age of new competition Alibaba, Facebook, Amazon, Twitter, PayPal, Motif, Monetise etc. Threat to deposit base, SME loans and payments The age of new products Growth of convenience driven Non-Banking Products Earning commissions from merchants for aggregating their products and services for the convenience of their customers Digital natives Data Smart Machines New Competitors New Products
5 Threat to deposit base, SME loans and payments... Digital natives Data Smart Machines New Competitors New Products
6 From a transactional to a sub-transactional era Just ONE Transaction path goes to the end in thousands and to complete that path tens of decision points were considered. Right now we store and analyze in our transactional systems just the transaction end points. Buying Decision Labyrinth Yes! Buyer.Win!!! 2013 IBM Corporation
7 The age of new competition: the power of a subtransactional knowledge It's an invitation-only loan product offered exclusively to Amazon Sellers. The Amazon loans offer very competitive % interest rates and no pre-payment penalty.
8 The age of new competition: Alibaba Sept. 29, :56 a.m. ET Sep 24, 2014 Source: Source:
9
10 The Experience Economy and the Data Economy... Digital natives Consumers are open to share their personal information, with the exception of financial data, when there is perceived benefit... and Data YOU can Smart Machines New Competitors New Products
11 Consumers are open to share their personal information, with the exception of financial data, when there is perceived benefit Consumer Maintains Control of Data What is your willingness to provide information in exchange for something relevant to you (non-monetary)? 100% 80% 45% 43% 60% 40% 33% 28% 26% 15% 21% 29% 28% 28% 41% 41% 44% 46% Identification (name, address) Lifestyle (# of cars, home ownership) Location Based Medical 28% 30% 30% 30% 63% 20% 25% 27% Media Usage (e.g. Media channels) Demographic (e.g. age, ethnicity) 0% Completely Disagree Neutral Financial Completely willing Source: IBV Retail 2012 Winning Over the Empowered Consumer Study n= (global) P04: What is your willingness to provide information for each of the following items if [pipe primary retailer] provided something relevant to you in exchange? 2013 IBM Corporation
12 Source;
13 NEW channels and NEW kind of assistance... Digital natives Data Smart Machines New Competitors New Products Source:
14 The need and the new value: buid a 360 Integrated Customer View... with TRUST! Digital natives Data 360 Integrated Customer View Smart Machines New Competitors New Products
15 Big Data & Analytics is proving value when it is part of a closed-loop Business action.....
16 Instruction 1: I can partner with you, Trust me! Customer search: draw in all related records: J Robertson, Janet Robertson, Jan Baker Enabling a complete purchase history, including Baker records Customer s Products Customer info Indexed 3rd party information related to customer Unstructured internal information related to customer Activity feed displaying changes in real time First Step and need: build 360 Customer View 27
17 Instruction 2: What is important to know about a customer? The influence wheel helps frame the problem in terms of what we need to know about a customer Beverage Behavior Food Behavior Community Conscious Event Drivers Message Relevance Transaction data allows us to know what behaviors we can observe at purchase time Competitors Rewards Program Weather My Media Channel Preferences In-Store Experience Not all behaviors can be observed in a transaction so we deploy a social listening strategy in order to capture some aspects of a customers lifestyle and how products & services may fit into that lifestyle 17 Employee Influence External forces may impact the way customers behave, so we have to collect data to simulate local conditions that may affect purchase behavior My Day Part My Finances My Need State My Occupation My Lifestyle/ Demographics
18 How Big Data & Analytics is evolving and scaling down the underline IT complexity.
19 Need to cope and satisfy both with technical and business views All Data Big Data & Analytics Strategy, Integration & Managed Services New / Enhanced Applications Big Data & Analytics Platform Machine/Sensor Policy Broker Claims Social Media Location Litigation & Other 3rd party What is happening? Real-time Data Processing & Analytics Operational data zone Landing, Exploration and Archive data zone Deep Analytics data zone EDW and data mart zone Better and Individual Pricing Discovery and exploration What action should I take? Decision management Information Integration & Governance IBM Big Data IT Blueprint What did I learn, what s best? Cognitive What could happen? Predictive analytics and modeling Enhanced 360 Degree View Why did it happen? Reporting and analysis Claims Analytics & Real Time Fraud Detection Batch or Real Time Next Best Action Information Sharing & Transparency
20 Instruction 3: A new CAMS+ native application paradigm is starting: the case of IBM Watson Analytics Marketing Sales Finance Operations HR IT Communication & Collaboration Value: Visualization & Storytelling Put analytics in the hands of everyone Make access to data easy for refinement and use Deliver through the cloud for agility and speed Analytics Descriptive, Diagnostic, Predictive, Prescriptive, Cognitive Data Access & Refinement Watson Analytics Visit WatsonAnalytics.com and get started for free Examles Cloud Mobile Ready Marketing Sales Finance IT Operations Campaign Planning and ROI Customer Retention Prioritizing Accounts Receivable Helpdesk Case Analysis Warranty Analysis Secure HR Identifying and Retaining 2014Key IBM Corporation Employees
21 Grazie! Pietro Leo Executive Architect IBM Italy CTO for Big Data Analytics & Watson Member of IBM Academy of Technology Core Management Team
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