La lucha contra la delincuencia financiera es un desafío constante y cada vez más sofisticado. En Colombia, en 2023, se registraron 28.000 millones de intentos de ataques digitales dirigidos al sistema bancario, de acuerdo con datos de la Superintendencia Financiera. Desde el lavado de activos y la financiación del terrorismo
[SAS ALM 도입사례-Alliance Bank] -규제 요구에 선제적으로 대응하며 워크플로우와 리소스를 최적화 -자산 및 부채관리(ALM) 혁신으로 운영비, 인건비 및 생산비용 10% 절감 예측하기 어려운 변동성과 불확실성이 심화되고 있는 최근의 시장 환경은 금융기관들에게 과거와는 다른 대응과 변화를 요구하고 있습니다. 이런 가운데, Alliance Bank Malaysia Berhad(이하 Alliance Bank)는 SAS 자산부채종합관리(SAS® Asset and Liability Management,
Los valores perdidos —también llamados missings— son ese invitado inesperado (y a veces incómodo) que siempre aparece en tu dataset. Aunque muchos los ven como un simple estorbo, la forma en que los manejes puede marcar la diferencia entre un análisis sólido y conclusiones engañosas. En esta entrada revisaremos: Las
En el dinámico panorama digital actual, el auge de la inteligencia artificial generativa y la analítica avanzada está redefiniendo la forma en que las empresas operan, innovan y prosperan. Los hallazgos presentados en el SAS Innovate on Tour han puesto de relieve el profundo impacto de estas tecnologías en la
In an uncertain geopolitical world, integrated balance sheet management (IBSM) is crucial for building financial resilience. Fragmented risk systems hinder banks’ ability to navigate volatile markets. Isolated control models are especially problematic when managing liquidity, profitability and capital efficiently. According to a recent FT Longitude survey of executives from 300
Fraud and financial scams are on the rise. According to the FBI's Internet Crime Complaint Center's annual report, scammers stole a record $16.6 billion in 2024, a 33% increase from 2023. This problem affects everyone. The SAS Faces of Fraud Study revealed that 70% of consumers have fallen victim to
Financial fraud is a high-stakes issue in banking, where schemes are becoming increasingly sophisticated and costly. As a result, detecting anomalies quickly and accurately is a top priority. But traditional data-driven fraud detection models face challenges such as data scarcity, privacy constraints, and model bias. This is where synthetic data
La gestión de riesgos ha evolucionado de ser una función meramente defensiva a convertirse en un motor estratégico clave para el crecimiento sostenible. Ya no se trata solo de proteger el valor existente, sino de identificar y aprovechar nuevas oportunidades que, si se gestionan adecuadamente, pueden afectar a las organizaciones
은행업계의 미래는 지금보다 지능화되겠지만 위험도는 더 높아질 것이라는 연구결과가 발표되어 업계의 이목을 끌고 있습니다. SAS의 후원을 받아 이코노미스트 임팩트(Economist Impact)가 진행한 새로운 연구에서는 은행업계가 직면해 있는 선택지와 앞으로 나아갈 방향을 짚어보고, '디지털 인텔리전스 시대'를 선도하기 위한 5가지 필수 요소를 제시합니다. 전 세계 금융 기관은 심화되는 경제적 변동성, 폭발적인 기술 가속화
Foi exatamente esse o tema da palestra de Lyse Nogueira, Customer Advisor do SAS, hoje, no Febraban Tech 2025! Segundo a executiva, no setor bancário, entender o cliente como um universo único deixou de ser um diferencial — tornou-se uma exigência. Mas como escalar personalização com inteligência, aumentar a relevância
I’m a credit card transactor – I pay off my balance in full each month and use credit purely as a payment method to avoid interest. Recently, a major payment processor experienced an outage that disrupted many money movement services. As a result, my scheduled electronic payment was converted into
Sin duda, la inteligencia artificial generativa (GenAI) y la analítica de datos están revolucionando el mundo. Sus aplicaciones prácticas en diversos sectores industriales son tan amplias como los retos que las empresas enfrentan y buscan superar activamente. Sin embargo, a pesar de las ventajas de adoptar estas tecnologías como estrategia
Mais uma vez marcaremos presença no maior evento de tecnologia e inovação do setor financeiro: o Febraban Tech! Neste ano, o congresso acontece de 10 a 12 de junho, novamente no Transamérica Expo Center, e tem como tema central “A aceleração do Setor Financeiro na Era da Inteligência”. E o
Back when I was in banking, I always looked forward to certain annual vendor meetings and reports. These key partners provided valuable insight into what was happening beyond the four walls of our institution. Their input was essential to helping us assess our market position and refine our strategy. Some
Banks face increasing vulnerabilities, including fraud, cyberattacks, regulatory pressures and rapidly evolving customer behaviors. To remain secure and resilient, financial institutions must do more than simply adopt new technologies – they must build intelligent, adaptive systems. This is where a data and AI platform becomes a critical engine – not
The financial services industry is undergoing a period of profound change, driven by a dynamic economic landscape, increased regulatory scrutiny, changing consumer behavior and rapid technological advances. Banks operating in this environment are under increasing pressure to transform their risk modeling and decision-making ecosystems in order to remain competitive. This
La aplicación de estrategias de hiperpersonalización basadas en inteligencia artificial (IA) puede aumentar entre un 2% y 7,5% la atracción de nuevos clientes en empresas de diversas industrias. Así se demuestra mediante los resultados obtenidos con la aplicación de esta estrategia en diversos clientes de SAS. Este impacto se debe
La Inteligencia Artificial (IA) ha dejado de ser una promesa futurista para convertirse en una realidad tangible en el mundo corporativo. Su adopción crece bastante rápido y en el caso de la IA generativa, el avance es aún más sorprendente: en sólo un año, su uso pasó del 37% al
The financial industry is evolving at an unprecedented pace. Regulatory frameworks are becoming more complex, customer expectations are shifting and financial risks are emerging in new and unexpected ways. Because of this, relying on outdated risk management systems is no longer sustainable. Banks must adopt data-driven strategies to remain competitive
Integrating AI and machine learning into anti-money laundering (AML) and combating the financing of terrorism (CFT) systems has become imperative for financial institutions (FIs) to safeguard their operations, customers and reputation effectively. Sophisticated financial crimes require advanced solutions to detect and prevent fraud. Money laundering, for example, is a financial
Reading McKinsey's article How Banks Can Supercharge Technology Speed and Productivity, released around the same time as SAS' From Data to Decision: Increasing AI Productivity with SAS® Viya®, sparked an epiphany for me. My last job before entering the technology industry was as a product manager at a super-regional bank.
UK banks are under growing pressure to manage risks more effectively, whether from economic shifts, technological advances or geopolitical uncertainty. The Bank of England’s Prudential Regulation Authority (PRA) sent a letter to the CEOs of UK deposit holders outlining its supervisory priorities for 2025. The letter sets expectations for stronger
Zagadnienia związane z listami sankcyjnymi są obecne w życiu organizacji finansowych od wielu lat. Jednak to właśnie teraz nadszedł czas na przyjrzenie się, w jaki sposób temat ten jest zaadresowany zarówno pod kątem podejścia biznesowego, jak i zastosowanych algorytmów analitycznych. Ostatnie kilka lat to zmiana regulacji w Unii Europejskiej, co
Where were you when the global banking crisis of 2008 hit? I was in banking – marketing, to be specific – and I supported our mortgage department. I vividly recall our bank’s chief risk officer repeatedly refusing to enter the adjustable-rate mortgage subprime lending business. Many banks were eating our
The rise of digital banking, driven by tech-savvy consumers, has permanently transformed the financial services landscape. Both individuals and businesses now demand seamless, user-friendly experiences, to manage their finances effortlessly across multiple platforms. Generational shifts in expectations Younger generations, including Gen Z and Millennials, have distinct financial expectations compared to
Once a bastion of stability, the banking industry now finds itself navigating a complex world of evolving risks. From economic uncertainty and geopolitical tensions to AI advancements and climate crises, the industry is navigating a whirlwind of risks that show no signs of slowing down. What worked in the past
Not too long ago, whenever I heard the word ‘hackathon,’ I thought of Wreck-It Ralph from the Disney movies. Ralph was a video game character tasked with wrecking buildings, while Fix-It Felix would repair them. In Wreck-It Ralph 2, Ralph broke the internet. I used to think hackathons were only
Every year, as Data Privacy Week sharpens the focus on protecting personal information, I’m reminded of a customer event a major North American bank hosted at SAS world headquarters. The bank’s chief data officer led a roundtable discussion on generative AI (GenAI) with a group of esteemed data and AI experts. The
Let’s face it – early AI rollouts have been anything but smooth. Standout examples include McDonald’s attempt at using AI to take drive-through orders, which caused customers to plead with the AI to quit adding Chicken McNuggets to their orders. Or, Amazon’s AI-powered HR recruitment tool, which favored male job
Many scientists compare the universe to a network of tiny vibrating strings, smaller than subatomic particles. String theory suggests that these strings, as they twist and vibrate give rise to everything around us – matter, energy and even forces like gravity. But this idea of interconnected threads isn’t just confined
