Insurers have faced significant headwinds in the last few years. The insurtech market continues to grow, even if it’s had the wind taken out of its sails recently due to funding for start-ups drying up and following the collapse of Silicon Valley Bank. But another contender and digital disruptor has
The 2023 International Congress of Actuaries (ICA2023) brought together industry leaders and actuaries worldwide to explore the challenges and opportunities for actuaries. Over the years, SAS has emerged as a variance and regression analysis software, revolutionising the actuarial field. Since then, it has evolved into SAS Viya 4.0, a cloud-native
A Fraude no setor bancário não é um tema recente, mas a pandemia e, mais tarde, a guerra tiveram impacto no setor, como aliás demonstra a quarta edição do relatório sobre a cibersegurança em Portugal do Centro Nacional de Cibersegurança (CNCS) "A mitigação progressiva da pandemia e o surgimento de uma
Mental Health Month is an important time to honor and raise awareness around mental illness and mental wellness. Correcting and combating stigma and discrimination, including with data, is one of the month’s major goals. It’s hard to talk about mental health without also addressing substance use disorders (including opioids), homelessness
The SAS 9 Content Assessment is a collection of applications that are designed to help users understand the various characteristics of their deployment. SAS Content Assessment delivers information that is critical to helping you to upgrade to the latest version of SAS (Viya).
For several years Kim Andreaus and I have taught Powerful Tools for Caregivers, an evidence-based program that teaches skills for self-care and stress management. One of the lessons from the class that always resonates with me is the concept of guilt versus regret. Guilt is shame-based and implies there was
Cloud technologies enable greater access to analytics. The shift to providing less complicated usability empowers decision-makers and offers a competitive advantage previously unattainable. Companies of all sizes and sectors embrace cloud technologies to address data and information challenges. IT departments are short-staffed and expected to support a large and varied
By Carl Eastwood, Fraud & Financial Crimes Domain Lead at SAS, and Katarina Garai, CFE - Retail & CSP Fraud Lead at SAS Managing fraud risks in the Communication Service Provider (CSP) industry is no easy task, not least because of the speed at which fraudsters adapt to exploit new
The perfect storm of challenges facing insurers is well-known to anyone working in the industry today. Some have been bubbling away for years – such as the competition from insurtech companies and non-insurance firms like manufacturers, the rising cost of claims, and internal inefficiencies. As the tough economic climate continues
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If you're a marketer, you've likely heard the words "customer experience" tossed about for years. All the buzz is for a good reason: Positive customer experience (CX) increases profitability and improves employee engagement. But amid the spotlight on CX, many marketers are missing a key strategic element necessary to make
What barriers do some communities face in getting the facts about cancer and the treatment they deserve? The CEO Roundtable on Cancer opened up about them at a November conference at SAS. For 21 years, the CEO Roundtable on Cancer has been gathering to discuss advancements in cancer. Their 40-member organization, along with
Childbirth should be a safe and joyous occasion as parents welcome a new member into their family. Still, too often, that joy is overshadowed by maternal complications, including maternal and infant death. Each year in the United States, as many as 60,000 women experience severe, unexpected health problems related to
In the modern world, hyperautomation is a way to speed up the development and launch of new digital products and processes – but how exactly can this be done? Throughout part 1 and part 2 of this blog series, we’ve been looking at what hyperautomation is and what it looks
It is often said that cooperation is key to addressing big, intractable problems. The European Union recently highlighted this with amendments to the Administrative Tax Cooperation Directive. These amendments are designed to improve cooperation between tax authorities on administrative tax and reduce tax evasion and tax fraud.[1] Increasing information exchange
My recommendations for action for all those who want to sharpen their target picture now Digitisation in the insurance industry continues to advance. Although every insurance company is moving at its own pace, there is a lot happening in the specialist areas: In marketing, projects around the customer journey are
When patients miss appointments, it costs providers money and has serious health impacts on patients. Analytics can help improve scheduling processes for more effective use of resources and to ensure patients receive the care they need. In isolation, it doesn’t seem that missing a doctor’s appointment is that big of
Maybe you’re a SAS®9 programmer in the insurance industry who stores her analytics projects in a local desktop folder, or in a Git library. Or maybe you’re a data scientist who specializes in aviation forecasting and loves the no-code environment of SAS® Viya®. Or maybe you’re a Python devotee at
Anyone in the insurance industry knows that fraudsters are becoming more sophisticated and their crimes more difficult to identify. Insurance fraud in the UK costs an estimated £3 billion per year – but only around a third of that is detected. Whilst opportunistic fraud poses a problem to the industry and
SAS is pleased to announce a new ModelOps certification. Recognizing the growing need in this emerging area, this new credential will help create a standard of knowledge within the area of ModelOps.
See how these 12 carbon terms are starting to define our future.
M estimation is a robust regression technique that assigns a weight to each observation based on the magnitude of the residual for that observation. Large residuals are downweighted (assigned weights less than 1) whereas observations with small residuals are given weights close to 1. By iterating the reweighting and fitting
Change is the only constant, and it doesn’t happen overnight. This is particularly true in the world of data analytics. As organizations are looking to become more digital, resilient and profitable, executives are going back to the whiteboard to reconsider how they’re using data and analytics to transform their business.
Leaders from businesses and governments across the world continue to show progress on a range of critical environmental topics, addressing climate resilience and taking actions to ensure a more sustainable and thriving planet. Advancements and innovations continue to open new avenues for environmental leadership – and the use of data
It’s only been three years since Gartner coined the term “hyperautomation.” But a lot has changed since then, both in global events and technological developments. While automation has a long history, it’s evolved rapidly in the digital age. Businesses in every sector – including warehousing, health care, banking, agriculture, insurance,
La tecnología o la experiencia de cliente son algunos de los factores que más peso están adquiriendo en la evolución que vive el sector Seguros. Así, en los últimos años estamos observando un interés cada vez mayor en la ciencia de datos y aplicaciones de machine learning de las compañías
Traditionally, banks have been seen as the front line in anti-money laundering activity. They have increasingly been subject to regulatory requirements to check customers, transactions and activity. However, as governments have required banks to make fraudulent activity harder, criminals have evolved their tactics. And the financial sector needs to keep
While studying business intelligence as an undergraduate student at business school HEC Montreal, Camille Duchesne encountered Cortex, an analytics simulation that pits participants against each other to develop the most accurate models for a particular task. In this case, the simulation supports a fictional charity by predicting which subjects from
Money laundering is a growing threat within the insurance industry. The regulatory framework within banking is adding stronger controls and governance processes which will encourage launderers to seek alternative areas to launder funds. While insurance presents a different type of Anti-Money Laundering (AML) risk, the risks still exist. Long considered
En el sector Seguros el precio es fundamental. Se trata de un tipo de productos que los clientes saben que es necesario contratar, pero esperan no tener que usarlos nunca, por lo que, en teoría y tradicionalmente, quieren pagar por ellos lo menos posible. Por su parte, las compañías de
