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A bank stress test is the analysis conducted under unfavorable economic scenarios designed to determine whether a bank has enough capital to withstand the impact of adverse developments. Especially in the years since the wake of the 2007-2008 financial crisis, it has been actively promoted by authorities and regulators as
The challenges for banking in emerging markets are similar to those elsewhere, but with fewer resources and structures available to address them. Key issues include expanding the market, and improving financial inclusion, to provide better access to banking services. To my mind, one of the most interesting aspects of the
Algorithm audit is a growing area as companies increasingly rely on machine learning algorithms to make decisions. But what do business managers need to know about these audits? We have a responsibility to audit our algorithms Artificial intelligence (AI) algorithms have an increasingly central role in decision making in our
Data processing, data integration, data quality, data security - all these topics sound like a compulsory program for IT and not as “hot” as analytics, data science, the Internet of Things or artificial intelligence. However, companies globally have long recognized that data management is at least as important as the
Call centres have been around for a good few years now, and have had their fair share of bad press. Most of us have horror stories about the length of time spent on hold, or our inability to speak to the right person or get a helpful response, or even
There is, or can be, an enormous gulf between IT teams and business users. We know that this gulf should not exist — after all, the main function of IT teams is to allow business users to generate the maximum value from usable tools, drawing on their business knowledge. However,