Anteriormente, el sector empresarial se enfrentaba constantemente a la escases de información de aquello que ocurría en su compañía, tanto a nivel de procesos internos como de interacción con los clientes, siendo este último punto el más relevante por estar ligado la fidelización o desencanto de la marca. Sin embargo,
Being an industry disruptor is a lonely place to be – but if you’re successful, the rewards are well worth the initial risk. Betting big on your new way of doing things takes courage, and is only the first step in a risky process. Your next critical step is to
Cotidianamente las empresas se enfrentan a la toma de vitales decisiones de negocio, desgraciadamente muchas de ellas se ven en la necesidad de hacerlo sin la certeza que éstas sean idóneas, ya que el panorama en el que deben analizar no es totalmente claro. Esta toma de decisiones ciegas tienen
IDV (Individuelle Datenverarbeitung) ist ein Thema, das in den Banken als Teil von BCBS 239 seit Langem kritisch diskutiert wird. Ruppert Jaeschke betreut und berät seit fast 15 Jahren zahlreiche deutsche Banken im Umfeld Business Intelligence und SAS. Er hat eine klare Meinung zu diesem regulatorischen Thema. Frage: Welche Schmerzen
Dentro de toda compañía la búsqueda del éxito es una constante, sin embargo, para alcanzarlo el primer paso es minimizar y de ser posible desaparecer todos los factores de riesgo que puedan ponerlo en peligro, por ejemplo, el fraude. Diversos son los factores que pueden dar paso a la presencia
Currently, most fraud detection solutions for financial crime and tax fraud are focused on risk assessing entities. That is to say, they evaluate the risk of each individual or businesses separately. While this helps prioritize risk-based investigations by alerting investigators to the likelihood of fraud, it does not necessarily maximize deterrence.
After the financial crisis of 2008, concerns have been raised about “too little, too late” provisioning for loan losses and IFRS 9 is coming to enforce the adoption of a new expected credit loss (‘ECL’) model for the measurement and recognition of impairment. This aims to address concerns and accelerates
Modeling risk to meet regulatory requirements is costly and complex. Because of that, some have suggested that financial services institutions (FSIs) move toward a set of standardized models. The argument is that central banks and regulatory authorities could then more easily monitor systemic risk and compare apples to apples. But
Greece has been in the news lately, trying to secure funds to repay 1.5 billion euros to the International Monetary Fund (IMF) by the end of the month. And as luck would have it, there is some data available and some graphs to be created ... I love this job!
I've seen a lot of recent news articles purporting income inequality in the U.S. ("the rich get richer, and the poor get poorer") ... and I wondered if the graphs were a true/unbiased representation of the data. For example, I recently saw a couple of graphs in an article on the
I recently read a Washington Post article about the euro versus the dollar, and I wanted to analyze the data myself to see whether the article was simply stating the facts, or "sensationalizing" things. The washingtonpost.com article started with the headline, "This is historic: The dollar will soon be worth
Which is more important - having beautiful graphs, or accurate graphs? Let's explore this question using the locations of the world's richest billionaires... I recently saw a beautiful map on dadaviz.com that purported to show the cities with the most billionaires. Here's a screen-capture of that map: I decided to
Have you heard the old saying that "Banks only loan money to people who don't need it"? Let's analyze the data and see if that is true!... I'm very much a car-guy, and I love learning about all the new vehicles, and love the new-car feel ... and even the smell. It's hard to not like a
It's easy to plot events that happened at a certain time, but what about events that extended over a range of dates, such as recessions? ... This blog post teaches you a nice trick to use for that! Let's say you have a plot of the labor force participation rate
