El sector bancario está viviendo una profunda renovación a causa de distintos factores. En primer lugar, se enfrenta a la revolución tecnológica que está afectado a todas las organizaciones y áreas de actividad a nivel global. Pero, además, está notando los efectos de un cambio en el sistema financiero que
Deloitte, ses partenaires RCI Bank and Services et SAS ont organisé pour la 3e année consécutive le DRiM Game, LE challenge étudiant dédié à la « data science ». Quatre formations de seconde année de master ont travaillé sur une problématique métier de l’industrie bancaire et relevant de la modélisation
Oggi i modelli di business nel settore bancario stanno cambiando: i modelli di internal rating sono stati a lungo sotto i riflettori, ma nuove tecniche di modellazione stanno già prendendo piede. Machine Learning e Intelligenza Artificiale sono nuovi elementi chiave che si aggiungono alle tecniche tradizionali per lo sviluppo dei
En mi opinión, sommelier no es un título, es un oficio. No se aprende, se vive... Un sommelier es un experto en vinos, él conoce de variedades y sabe cuál se adapta a cada menú. A lo largo del tiempo el concepto de sommelier evolucionó y se aplica a otros
AI seems to be mentioned everywhere these days. But how can AI be used in day-to-day work? Here, Katherine Taylor explains an example of "practical AI" in banking using SAS Visual Data Mining and Machine Learning. She'll explore more business problems and industries in future posts.
Un informe de IDC a nivel mundial indica que los bancos invertirán más de 2,2 billones de dólares en Big Data y Analytics (soluciones que ayudan a la transformación exitosa) en 2018. Se conoció también que la mitad de las grandes entidades bancarias lanzarán al menos unas cinco aplicaciones que
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
Starting in 2018, IFRS 9 will require banks around the world to change their processes for accounting of credit risk. This new impairment standard will move banks from the backward looking incurred loss model into a forward looking Expected Credit Loss (ECL) modelling approach. When talking with banks around the
I have a short attention span. So, imagine my delight when a colleague of mine introduced me to theSkimm. If you are not familiar, theSkimm takes the top news stories of the day and summarizes them quickly, in ways that are easy to understand – and often linked to pop
How often do you give much thought to your card swipe? It’s become so commonplace that I doubt you think of it at all – and that’s how it's supposed to be. Fast, easy and a complete non-event so you can be on your way in no time at all
When you search “business planning resources US,” Google serves up pages and pages of results without a single bank website. When you search “business planning resources New Zealand,” ANZ BizHub is No. 3 on page 1. Page rank is everything if you want to increase your online sales. So how
Companies like Travelocity, Uber and Yelp have forever changed the way consumers plan their travel and entertainment. Can you remember when you had to book your trips through a travel agency? These innovators have raised the bar for other industries, so can the banking experience be changed in the same way?
You might assume that a battle-tested businessman with a gruff exterior and a taste for salty language lacks an inner child, but you’d be wrong. Exhibit A is this little-known fact: I have a soft spot for animated Disney movies. Now, I could try to bluff a bit and say
At most banks, data is stored in separate databases and data warehouses. Customer data is stored in marketing databases, fraud analyses are done on transactional data, and risk data is stored in risk data warehouses. Oftentimes even liquidity, credit, market, and operational risk data is stored separately as well. Bringing
SAS has had a good week. No. 1 in Analytics The company remains No. 1 in advanced analytics -- per IDC and Forrester, not just according to marketers like me. And we remain committed to innovation. Our data visualization offering, SAS Visual Analytics, is now used by more than 500
We just completed our largest annual event for Financial Services, the SAS Financial Services Executive Summit, where the theme was using analytics to drive innovation and create change. Even in the earliest stages of planning, it was clear that the customer would loom large in our content because that’s what’s
The start of the year seems to have been full of uncertainty for European financial markets. This seems to apply to everything from Greek debt to bankers’ bonuses and, despite access to so much information about what is happening globally, it remains difficult to understand what is certain fact and
The first quarter of the fiscal year is the time that banking industry analysts provide clients with their vision on the key challenges and solutions in banking for 2012. TowerGroup’s Nicole Sturgill recently wrote that “understanding consumer use of the financial institution’s delivery channels is a critical element” for institutions
There's been a lot of conversation recently around SAS High-Performance Analytics. And, rightly so - it's incredibly cool and applicable to every industry imaginable, including financial services. What if your risk calculations had seen the '08 credit collapse in time? CBS SmartPlanet addresses this (and highlights SAS High-Performance Analytics, with
Bank Systems & Technology just published a special issue focused on "big data" - and how high-performance analytics helps solve the big data problem. Clicking on the cover image will take you to the ebook, so you can flip through 24 pages full of information about the benefits of big data for banking.
As a new contributor to SAS’ Customer Analytics blog, let me introduce myself. I’m a SAS field marketer focused on integrated campaigns, digital strategy and the marketing investment for Financial Services in the US. As a marketer, I always take an interest in the Super Bowl commercials. The $3.5M spent
One of the hottest topics on today's agenda for financial institutions is FFIEC's recently released guidance supplement calling for layered fraud secuity and authentication. So, during the recent Terrorism Financing and Money Laundering Forum in Cary, North Carolina, a panel discussion on fraud was developed to discuss emerging trends in fraud -
I had the pleasure to be the host of the Risk and Finance Insight Session on the second day of The Premier Business Leadership Series, where we discussed the subject of enterprise risk management and financial stewardship. With global, political and financial upheaval becoming the norm (and during the conference
The first-annual SPARK! Financial Services Executive Summit used an unexpected approach to collaboration to generate unconventional ideas about the future of financial services. The ideas came from enthusiastic and engaged senior executives from across the financial services industry who are all committed to improving the industry’s image in the eyes
This week, SAS hosted the Financial Services Executive Summit at our headquarters in Cary, NC. Part of the content was a fascinating panel discussion moderated by Lori Bieda, the SAS Executive Lead for Customer Intelligence. In the picture below, Lori is on the left and she was joined on the
We live in a world of digital communications, where social media provides the global population with the opportunity to come together like never before. This has brought a whole new dimension to consumer interaction. It provides instant channels for information exchange, experience and opinion sharing. Social media and multichannel digital
Is social media too risky for banks? Can banks make a social media connection with customers that will shake off the negative impressions developed during the past few years? SunTrust Bank and “Biz” Stone (@biz to Twitter users) say yes. Still - many organizations are not using social media as
I’m attending a Bank Administration Institute (BAI) event in Las Vegas this week. BAI is well-respected for its research, professional development and networking opportunities for banks and banking professionals. The conference, BAI Retail Delivery, is primarily attended by community banks and large regionals, but the topics are anything but colloquial.
How do marketers help to fight terrorism? Today I experienced one way...run a top-notch conference that allows private sector banks, law enforcement and regulatory agencies to come together and collaborate with an objective to stop Terrorism Financing. Just two days before the anniversary of the largest terrorist attack on US
Here's something you don't expect to hear from a banking executive: "The best thing that happened is the financial crisis." Of course, Tonny Rabjerg is not your standard banking executive. He's the Vice President of CRM Systems at Danske Bank. "I know the financial crisis is not good for the