TRANSACTION DATA ENRICHMENT AS THE FIRST STEP ON THE BIG DATA JOURNEY
|
|
- Augustus Mason
- 8 years ago
- Views:
Transcription
1 TRANSACTION DATA ENRICHMENT AS THE FIRST STEP ON THE BIG DATA JOURNEY A key part of its industry-leading platform for digital financial services, the new Yodlee TransactionDataEnrichment solution enables financial institutions and non-bank digital service providers to capitalize on big data. To crack the code on the marketing potential of mass personalization, the ideal starting point is to enhance data contained within a bank s own core systems transaction data from banking, credit and debit card transactions. By making internal transaction data ready for consumption by big data toolkits, banks can develop powerful new automated services. In addition, transaction data enrichment also improves statement readability, which benefits the customer and the bank alike. The personalization code In online and mobile ecosystems, service providers from search engines to social networks have successfully convinced their customers to trade their personal information for personalized services. The power of personalization has created immense opportunities for companies offering secure, trusted access to comprehensive services. Unlike the major technology companies, most financial institutions (FIs) haven t yet cracked the personalization code despite having access to a valuable collection of transaction data from banking, credit and debit card transactions. produced by sourcemedia marketing solutions group American Banker SPONSORED BY YODLEE 1
2 90 percent of respondents agreed that skillful use of big data will define future winners in financial services 2. To date, a significant number of banks have begun to explore and deploy projects using big data a field of computing that yields analytical insights using distributed computing and parallel processing. A 2013 survey indicated that 38 percent of banks had gone through with a live implementation of a big data project; 25 percent were experimenting; and 37 percent were still in the exploratory stage. 1 Furthermore, 90 percent of respondents agreed that skillful use of big data will define future winners in financial services 2 a strong vote of confidence for the potential of the technology. Yet as of two years ago, most bankers had little to no visibility of their customers digital lives outside of their banking relationship. In a 2013 survey, only 29 percent of respondents indicated their institutions have mature capabilities in monitoring wallet share; only 32 percent said their banks monitor customers social media activity; and 46 percent said their banks monitor any external data about customers. 3 It s a curious paradox almost everyone in banking agrees on the importance of big data and many organizations have committed significant IT budgets to the technology; yet, only a small percentage of FIs have the ability to calculate share of wallet which, by measuring usage of an FI s financial products as a percentage of a customer s total spending in a given category, is one of the most important metrics in the banking business. FIs apparent priorities seem counterintuitive, until one compares the characteristics of internal and external sources of data. External sources of data, such as online and social media activity, are readily accessed using powerful Application Programming Interfaces (APIs) through a rich ecosystem of third-party providers. By contrast, internal sources of data are frequently locked away in proprietary formats within organizational silos. The tools of data science rely upon clean, standardized, and enriched sources of data. It s relatively simple to apply big data algorithms on datasets that are prepped for analysis. But when the underlying data hasn t been appropriately enhanced in advance, the analytical possibilities are hampered from the outset. Too many silos When asked about their organization s biggest impediment to using big data for effective decision-making, the top result for 63 percent of respondents was: Too many silos. 4 At financial institutions, 1. Microsoft Enterprise Team. How Big Is Big Data? Big Data Usage and Attitudes among North American Financial Services Firms. December 12, Accessed February 3, Microsoft Enterprise Team. How Big Is Big Data? Big Data Usage and Attitudes among North American Financial Services Firms. December 12, Accessed February 3, Groenfeldt, Tom. Banks Betting Big on Big Data and Real-Time Customer Insight. September 1, Accessed February 3, downloadasset sep banks Betting Big on Big Data and Real-Time Customer Insight (Bloomberg 2013)-pdf.html. 4. The Deciding Factor: Big Data & Decision Making Resource. Capgemini Worldwide. June 4, Accessed February 3,
3 Banks will only be able to apply big data analytics to customer data after the underlying transactions been cleaned up, pre-processed, and prepared for real-time analysis. customer data typically resides in silos within each line of business, as well as within horizontal systems built for a specific purpose such as CRM, portfolio management, or loan servicing. Although these mature legacy systems adequately support automated routing for day-to-day operations, they were not built for the new possibilities enabled by big data, such as statistical analysis or real-time, end-user interfaces. The essential problem with silos is that they store data only for those narrowly-defined purposes envisioned when the silo was built. When a bank receives credit card data from merchant processors, the data travels, without significant modification, directly into automated systems that handle balances, billing, and statements. Over time, banks have become very efficient at generating statements. As a result, the credit card silos have been more or less left alone, as have the silos for checking and savings accounts, payments, lending, and other core systems. This approach of enabling silos won t work effectively for big data analytics, which requires access to enriched transaction data. To illustrate, search engines have the ability to respond to queries in a fraction of a second only because they ve searched the entire public Internet in advance, transforming a world of non-standardized web pages into a format easily searchable using parallel-processing algorithms. Similarly, FIs will only be able to apply big data analytics to customer data after the underlying transactions have been cleaned, pre-processed, and prepared for real-time analysis. Cleaning customer data makes transactions easy to understand for both databases as well as customers. Indeed, there are significant hidden costs to retaining obscure codes in transaction lines. Consider what happens when a person doesn t recognize a line item on a statement. In one case, the customer may call the customer service center to inquire about the transaction, driving up costs for the financial institution. Or, the customer may skim over a cryptic charge that turns out to be fraudulent and subject to chargebacks. In either case, those cryptic charges lead to costly outcomes for the bank. Unlocking the value of enhanced bank data Clean data represents an essential first step toward creating new, intelligent, and proactive solutions, built using big data analytics. Merchant transactions are the main driver of customer information for banks, which is why transaction data enhancement is central to big data initiatives in the industry. Enhancements to transaction data enrichment include: merchant identification with better descriptions, categorization by merchant type, and accurate geolocation using industry coding standards. 3
4 Virtually every source of customer data at a bank has the potential for information enhancement. By applying these enhancements to merchant transactions: Bank employees will have a better understanding of consumer purchase behavior, enabling them to provide targeted recommendations and advice based on trends and patterns identified within transaction data. Automated solutions will be able to suggest relevant products and services, and make targeted promotional offers at the point-ofsale whether offline, online, or triggered by geographic proximity to selected merchants through a mobile device. Risk management teams and consumers will be able to detect fraud faster, and more accurately, while achieving resolution rates that reduce cost and risk for the bank. Privacy policies will evolve in a positive manner based on an improved mutual understanding between the bank and its customers regarding the content of transaction data. Consumers will be able to understand their statements without having to decipher obscure codes, leading to lower service costs at the call center, higher rates of fraud detection, reduced customer chargebacks, and a more satisfying user experience. Call center agents will be able to focus on more meaningful interactions with customers. The enhancement of merchant transactions represents a critical first step in an FI s big data journey. Virtually every source of customer data at a bank has the potential for information enhancement. The goal of the FIs should be to establish a data repository that contains enhanced, readable data not just for transactions, but also for customer interactions, intentions to purchase, and other valuable insights that can be gleaned from external sources of data. Such a repository should combine, via standardized APIs, both internal bank data and external data from social media and online partners. Through the growth of a repository of cleansed customer data, FIs will find applications based on data science that generates significant market value and competitive advantage. It s a long journey, which begins within FIs legacy transaction databases. Yodlee TransactionDataEnrichment To support banks throughout the big data journey, Yodlee, the leading platform for digital financial services, has introduced TransactionDataEnrichment, a new service that enhances banking, credit card and debit card data with simple descriptions, merchant identification, merchant categorization, and geolocation coding. 4
5 In an industry first, Yodlee TransactionDataEnrichment automatically sorts individual transactions into clear, readable categories, reducing the stress of tracking spending for consumers and financial institutions alike. In an industry first, Yodlee TransactionDataEnrichment automatically sorts individual transactions into clear, readable categories, reducing the stress of tracking spending for consumers and financial institutions. Here s how it works: The solution automatically scans raw, unsorted credit card and transaction data the strings of hard-to-read abbreviations and numbers on a statement and uses powerful analytical algorithms to identify each transaction s recipient, merchant type, and geographical location. The platform then replaces the confusing records with clean, sorted versions of the data, which can be organized by category to allow consumers to determine how much they are spending at different merchants, in different areas, or at different types of stores. The breakthrough technology for merchant identification performs categorization with a regional context, ensuring the highest levels of suitability for the enriched data. Moreover, with access to enriched data, Yodlee s FI and non-bank partners have the power to analyze consumer spending patterns and trends using the latest big data toolkits. This opens the door to a new world of real-time banking applications that cater to customers specific financial needs whether it be alerts triggered by spending in specific categories, contextual mobile offers based on geolocation, or whatever else your bank s product development team can imagine. Yodlee TransactionDataEnrichment operates as an integrated component of the Yodlee platform for digital financial services, which also includes market-leading capabilities in aggregation and API access to core systems within the financial institution and to external data sources. The offering can be used in conjunction with existing digital services, and it was designed for maximum ease of deployment. By adding Yodlee TransactionDataEnrichment, financial institutions or non-bank service providers will be able to provide more relevant and meaningful interactions with their customers over time delivering improved engagement and satisfaction for customers and unrivaled capabilities for Yodlee clients. About Yodlee Yodlee (NASDAQ: YDLE) is a leading technology and applications platform powering dynamic, cloud-based innovation for digital financial services. More than 750 companies in 16 countries, including 9 of the 15 largest U.S. banks and hundreds of Internet services companies, subscribe to the Yodlee platform to power personalized financial apps and services for millions of consumers. Yodlee solutions help transform the speed and delivery of financial innovation, improve digital customer experiences, and deepen customer engagement. Yodlee is headquartered in Redwood City, CA with global offices in London and Bangalore. For more information, visit 5
The Power of Personalization How Financial Institutions Can Unlock Transactional Data and Create More Significant Customer Interactions
The Power of Personalization How Financial Institutions Can Unlock Transactional Data and Create More Significant Customer Interactions TABLE OF CONTENTS The Big Data Disconnect 3 3 Challenges to Using
More informationHarnessing the True Power of Data
Harnessing the True Power of Data Find out how financial institutions can leverage big data to better understand and transform the customer experience. 10101010101100011010100010110011100101010 0110001101010001011001110010101010001100
More informationBig Data Integration: A Buyer's Guide
SEPTEMBER 2013 Buyer s Guide to Big Data Integration Sponsored by Contents Introduction 1 Challenges of Big Data Integration: New and Old 1 What You Need for Big Data Integration 3 Preferred Technology
More informationIncreasing Customer ENGAGEMENT
Increasing Customer ENGAGEMENT Financial haveusing beenconsumer using consumer to improve Fifth Thirdinstitutions Bank has been data todata improve streamline streamline their cross-sell up-sell opportunities
More informationSPEED AND EASE Spreadsheets. Workflow Apps. SECURITY Spreadsheets. Workflow Apps
are often billed as simple, easy-to-use solutions, so many organizations leverage them as a tool for tracking and managing their data and processes. Unfortunately, spreadsheets have some limitations that
More informationToday s Document Management System
Today s Document Management System Go Paperless; Go to the Cloud; Go Mobile; Foster Collaboration Paper-based processes are costly and inefficient. To be successful in today s challenging mortgage environment,
More informationUnlocking the opportunity with Decision Analytics
Unlocking the opportunity with Decision Analytics Not so long ago, most companies could be successful by simply focusing on fundamentals: building a loyal customer base through superior products and services.
More informationThe top 10 secrets to using data mining to succeed at CRM
The top 10 secrets to using data mining to succeed at CRM Discover proven strategies and best practices Highlights: Plan and execute successful data mining projects using IBM SPSS Modeler. Understand the
More informationMicrosoft Dynamics CRM. Salesforce.com. 8 Reasons Microsoft is the Better Investment. versus
versus 8 Reasons Microsoft is the Better Investment 2015 versus : The Choice is Clear When you choose a business management system, the last thing you want is to be surprised once you ve gone through the
More informationANALYTICS: SHAPING THE RIGHT CUSTOMER EXPERIENCE
EMV Technology: Deploying Soon in the U.S. ANALYTICS: SHAPING THE RIGHT CUSTOMER EXPERIENCE 2010 Mercator Advisory Group, Inc. Clock Tower Place, Suite 420 Maynard, MA 01754 phone: 1(781) 419-1700 e-mail:
More informationThe Future of Business Analytics is Now! 2013 IBM Corporation
The Future of Business Analytics is Now! 1 The pressures on organizations are at a point where analytics has evolved from a business initiative to a BUSINESS IMPERATIVE More organization are using analytics
More informationCELERITI CUSTOMER AGILE BANKING TECHNOLOGY
CELERITI CUSTOMER AGILE BANKING TECHNOLOGY KEEP PACE WITH YOUR CUSTOMERS GROWING NEEDS KEEP PACE WITH YOUR CUSTOMERS GROWING NEEDS GROW YOUR CUSTOMER RELATIONSHIPS Building strong customer relationships
More informationThree proven methods to achieve a higher ROI from data mining
IBM SPSS Modeler Three proven methods to achieve a higher ROI from data mining Take your business results to the next level Highlights: Incorporate additional types of data in your predictive models By
More informationWITH AGILE TECHNOLOGY
FUTURE-PROOF BANKING STRATEGIES Technology Transformation STARTS NOW Banks now better understand the strategic nature of their core systems and are ready to embark on critical technology projects to support
More informationWhite Paper. Today s Document Management System: Go Paperless; Go to the Cloud; Go Mobile; Foster Collaboration
White Paper : Go Paperless; Go to the Cloud; Go Mobile; Foster Collaboration Paper-based processes are costly and inefficient. To be successful in today s challenging mortgage environment, mortgage companies
More informationWhite Paper: AlfaPeople ITSM 2013. This whitepaper discusses how ITIL 3.0 can benefit your business.
White Paper: AlfaPeople ITSM 2013 This whitepaper discusses how ITIL 3.0 can benefit your business. Executive Summary Imagine trying to run a manufacturing business without a comprehensive and detailed
More informationperspective Progressive Organization
perspective Progressive Organization Progressive organization Owing to rapid changes in today s digital world, the data landscape is constantly shifting and creating new complexities. Today, organizations
More informationElevate the Consumer Experience: Creating a Win-win for Both IT and its Consumers
Elevate the Consumer Experience: Creating a Win-win for Both IT and its Consumers Introduction in Action Why the Need to Improve the Consumer Experience for IT Services? The consumerization of IT has heightened
More informationWork Smarter, Not Harder: Leveraging IT Analytics to Simplify Operations and Improve the Customer Experience
Work Smarter, Not Harder: Leveraging IT Analytics to Simplify Operations and Improve the Customer Experience Data Drives IT Intelligence We live in a world driven by software and applications. And, the
More informationInformatica Master Data Management
Informatica Master Data Management Improve Operations and Decision Making with Consolidated and Reliable Business-Critical Data brochure The Costs of Inconsistency Today, businesses are handling more data,
More informationEmpower Individuals and Teams with Agile Data Visualizations in the Cloud
SAP Brief SAP BusinessObjects Business Intelligence s SAP Lumira Cloud Objectives Empower Individuals and Teams with Agile Data Visualizations in the Cloud Empower everyone to make data-driven decisions
More information4How Marketing Leaders Can Take Control of Data for Better
Steps to Achieve Better Marketing Results 4How Marketing Leaders Can Take Control of Data for Better Marketing Performance and Customer Interactions As a marketing leader, you rely heavily on data to inform
More informationA business intelligence agenda for midsize organizations: Six strategies for success
IBM Software Business Analytics IBM Cognos Business Intelligence A business intelligence agenda for midsize organizations: Six strategies for success A business intelligence agenda for midsize organizations:
More informationDatabricks. A Primer
Databricks A Primer Who is Databricks? Databricks vision is to empower anyone to easily build and deploy advanced analytics solutions. The company was founded by the team who created Apache Spark, a powerful
More informationBIG DATA: A TOP- OF-THE- AGENDA ISSUE FOR BUSINESS LEADERS
BIG DATA: A TOP- OF-THE- AGENDA ISSUE FOR BUSINESS LEADERS 1 Big data is a top-of-the-agenda issue for business leaders Contents The current buyer context...1 Defining analytics capabilities to serve business
More informationA FINEXTRA RESEARCH REPORT SPONSORED BY AXWAY MARCH 2015 OPERATIONAL INTELLIGENCE AND PAYMENTS MONITORING A REPORT ON A SURVEY BY FINEXTRA AND AXWAY
A FINEXTRA RESEARCH REPORT SPONSORED BY AXWAY MARCH 2015 OPERATIONAL INTELLIGENCE AND PAYMENTS MONITORING A REPORT ON A SURVEY BY FINEXTRA AND AXWAY OPERATIONAL INTELLIGENCE AND PAYMENTS MONITORING A
More informationBig Data Industry Approaches to Operational Excellence
Big Data Industry Approaches to Operational Excellence The Value of Big Data in the Power and Utilities Industry Overview Evolving systems and infrastructure to meet the needs of 21 st century demands
More informationWHITE PAPER. The Five Fundamentals of a Successful FCR Program
The Five Fundamentals of a Successful FCR Program April 2012 Executive Summary Industry analysts agree that First Contact Resolution (FCR) is the best way to measure the effectiveness of your contact center.
More informationDatabricks. A Primer
Databricks A Primer Who is Databricks? Databricks was founded by the team behind Apache Spark, the most active open source project in the big data ecosystem today. Our mission at Databricks is to dramatically
More informationIBM Cognos Insight. Independently explore, visualize, model and share insights without IT assistance. Highlights. IBM Software Business Analytics
Independently explore, visualize, model and share insights without IT assistance Highlights Explore, analyze, visualize and share your insights independently, without relying on IT for assistance. Work
More informationThe Socialtext Enterprise Collaboration Platform
The Socialtext Enterprise Collaboration Platform Socialtext transforms business processes and organizational culture by bringing real-time collaboration to the enterprise. By unlocking knowledge, expertise,
More informationControlling Hybrid IT Spend BY DAVID S. LINTHICUM
Controlling Hybrid IT Spend A WHITE PAPER BY DAVID S. LINTHICUM Contents Executive Summary 3 The Rise of Hybrid IT 5 What is a Hybrid Cloud? 7 The Need for Consumption Tracking 7 The Need for Visibility
More informationFogbeam Vision Series - The Modern Intranet
Fogbeam Labs Cut Through The Information Fog http://www.fogbeam.com Fogbeam Vision Series - The Modern Intranet Where It All Started Intranets began to appear as a venue for collaboration and knowledge
More informationCLOUD MANAGED SERVICES FRAMEWORK E-BOOK
CLOUD MANAGED SERVICES FRAMEWORK E-BOOK TABLE OF CONTENTS 1 Introduction 2 2 Operational Insight 3 3 Cloud Management Process Control 4 4 Infrastructure, Application & Data Security 5 5 Continuous Improvement
More informationData as a Service for Sales Better Data, Better Sales
Data as a Service for Sales Better Data, Better Sales Copyright 2015 Oracle Corporation. All Rights Reserved. The big deal with DaaS for Sales: What At the heart of a sales organization is customer You
More informationSymantec Global Intelligence Network 2.0 Architecture: Staying Ahead of the Evolving Threat Landscape
WHITE PAPER: SYMANTEC GLOBAL INTELLIGENCE NETWORK 2.0.... ARCHITECTURE.................................... Symantec Global Intelligence Network 2.0 Architecture: Staying Ahead of the Evolving Threat Who
More informationHyper-Personalization with MNO Subscriber Data
Hyper-Personalization with MNO Subscriber Data Approaches and Recent Trends Regarding the Use of MNO Data for Hyper-Personalization By Zach Cohen, Shahzad Zia and Carly Christian Private and public-sector
More informationHow To Make Data Streaming A Real Time Intelligence
REAL-TIME OPERATIONAL INTELLIGENCE Competitive advantage from unstructured, high-velocity log and machine Big Data 2 SQLstream: Our s-streaming products unlock the value of high-velocity unstructured log
More informationTop Supply Chain E Lessons Learned
Top Supply Chain E Lessons Learned A Continuous Improvement Journey The business climate today is rife with missed opportunities. Our challenging global marketplace is compelling companies to elevate supply
More informationThe Next Generation of Local Government: Transforming Non-Emergency and 311 Call Center Solutions to a Complete Constituent Experience
The Next Generation of Local Government: Transforming Non-Emergency and 311 Call Center Solutions to a Complete Constituent Experience An Oracle White Paper February 2013 The Next Generation of Local Government
More informationFireScope + ServiceNow: CMDB Integration Use Cases
FireScope + ServiceNow: CMDB Integration Use Cases While virtualization, cloud technologies and automation have slashed the time it takes to plan and implement new IT services, enterprises are still struggling
More informationSOLUTION BRIEF CA SERVICE MANAGEMENT - SERVICE CATALOG. Can We Manage and Deliver the Services Needed Where, When and How Our Users Need Them?
SOLUTION BRIEF CA SERVICE MANAGEMENT - SERVICE CATALOG Can We Manage and Deliver the Services Needed Where, When and How Our Users Need Them? SOLUTION BRIEF CA DATABASE MANAGEMENT FOR DB2 FOR z/os DRAFT
More informationTake control of lending credit risk
Enterprise Software overview Take control of lending credit risk Market leading credit management, origination and workflow tools for commercial lending Before Misys FusionBanking Credit Management Enterprise,
More informationTorquex Customer Engagement Analytics. End to End View of Customer Interactions and Operational Insights
Torquex Customer Engagement Analytics End to End View of Customer Interactions and Operational Insights Rob Witthoft Torquex {Pty) Ltd 10/1/2015 Torquex Customer Engagement Analytics Torquex Customer Engagement
More informationData Masking: A baseline data security measure
Imperva Camouflage Data Masking Reduce the risk of non-compliance and sensitive data theft Sensitive data is embedded deep within many business processes; it is the foundational element in Human Relations,
More information2020 Foresight: Best Practices in Implementing Mobile Payments
2020 Foresight: Best Practices in Implementing Mobile Payments Product Code: VR0963MR Published Date: November 2013 www.timetric.com TABLE OF CONTENTS TABLE OF CONTENTS 1 Executive Summary... 6 2 Dynamics
More informationcan you simplify your infrastructure?
SOLUTION BRIEF CA Virtual Desktop Automation for Vblock Platforms can you simplify your infrastructure? agility made possible You Can. With services that increase the speed of virtual provisioning on Vblock
More informationContact Center Market Update. May 4, 2016
Contact Center Market Update May 4, 2016 accelerate your ambition 2 1320 participants Up 47% and best ever response Only global report of its kind Regional sample 1. Europe 295 2. Americas 230 3. MEA 226
More informationSimplify survey research with IBM SPSS Data Collection Data Entry
IBM SPSS Data Collection Data Entry Simplify survey research with IBM SPSS Data Collection Data Entry Advanced, survey-aware software for creating surveys and capturing responses Highlights Create compelling,
More informationThe Power of Risk, Compliance & Security Management in SAP S/4HANA
The Power of Risk, Compliance & Security Management in SAP S/4HANA OUR AGENDA Key Learnings Observations on Risk & Compliance Management Current State Current Challenges The SAP GRC and Security Solution
More informationBANKING ON CUSTOMER BEHAVIOR
BANKING ON CUSTOMER BEHAVIOR How customer data analytics are helping banks grow revenue, improve products, and reduce risk In the face of changing economies and regulatory pressures, retail banks are looking
More informationGET REAL ABOUT BUSINESS DEVELOPMENT. BUSINESS DEVELOPMENT FROM THOMSON REUTERS ELITE CHANGES THE GAME.
GET REAL ABOUT BUSINESS DEVELOPMENT. BUSINESS DEVELOPMENT FROM THOMSON REUTERS ELITE CHANGES THE GAME. 2 THE MARKET HAS CHANGED. DOES YOUR FIRM HAVE THE TOOLS TO KEEP UP? Person-to-person contact with
More informationCisco Data Preparation
Data Sheet Cisco Data Preparation Unleash your business analysts to develop the insights that drive better business outcomes, sooner, from all your data. As self-service business intelligence (BI) and
More informationWhite Paper- 02 CRM 2015. Encouraging User Adoption
White Paper- 02 CRM 2015 01 Table of Contents 1. Importance of User Adoption ---------------------------------------------------------- 03 2. Benefits of User Adoption--------------------------------------------------------------
More informationAn Overview of the Convergence of BI & BPM
An Overview of the Convergence of BI & BPM Rich Zaziski, CEO FYI Business Solutions Richz@fyisolutions.com OBJECTIVE To provide an overview of the convergence of Business Intelligence (BI) and Business
More informationPatient Relationship Management
Solution in Detail Healthcare Executive Summary Contact Us Patient Relationship Management 2013 2014 SAP AG or an SAP affiliate company. Attract and Delight the Empowered Patient Engaged Consumers Information
More informationPreparing for The Fourth Pillar of Mobile Payments: Payments to Merchants and Retailers
Point of View Preparing for The Fourth Pillar of Mobile Payments: Payments to Merchants and Retailers After years of hearing that the era of the mobile wallet has arrived, bankers have become weary of
More informationThe Jamcracker Enterprise CSB AppStore Unifying Cloud Services Delivery and Management for Enterprise IT
The Jamcracker Enterprise CSB AppStore Unifying Cloud Services Delivery and Management for Enterprise IT Jamcracker, Inc. 4677 Old Ironsides Drive Santa Clara, CA, USA 95054 www.jamcracker.com Table of
More informationTHE QEDbaton B2B MARKETING TECHNOLOGY SPEND REPORT
- 1 - THE QEDbaton B2B MARKETING TECHNOLOGY SPEND REPORT 2014 To stay ahead in the marketing arena, you need to know what technologies your competitors are investing in. TABLE OF CONTENTS The Marketing
More informationIgnite Your Creative Ideas with Fast and Engaging Data Discovery
SAP Brief SAP BusinessObjects BI s SAP Crystal s SAP Lumira Objectives Ignite Your Creative Ideas with Fast and Engaging Data Discovery Tap into your data big and small Tap into your data big and small
More informationIn the pursuit of becoming smart
WHITE PAPER In the pursuit of becoming smart The business insight into Comarch IoT Platform Introduction Businesses around the world are seeking the direction for the future, trying to find the right solution
More informationBusiness Performance Management
Business Performance Management Beth T. Smith Vice President, IBM Business Performance Management Agenda Business performance management market Business performance management from IBM Why IBM for business
More informationAccelerate your Big Data Strategy. Execute faster with Capgemini and Cloudera s Enterprise Data Hub Accelerator
Accelerate your Big Data Strategy Execute faster with Capgemini and Cloudera s Enterprise Data Hub Accelerator Enterprise Data Hub Accelerator enables you to get started rapidly and cost-effectively with
More informationNuxeo Insights: The Evolution of Content in the Software-Defined Enterprise!
Nuxeo Insights: The Evolution of Content in the Software-Defined Enterprise How Content-Centric Business Applications are Redefining Content, Big Data and Enterprise Content Management The Evolution of
More informationAn Oracle White Paper January 2010. Access Certification: Addressing & Building on a Critical Security Control
An Oracle White Paper January 2010 Access Certification: Addressing & Building on a Critical Security Control Disclaimer The following is intended to outline our general product direction. It is intended
More informationMaking critical connections: predictive analytics in government
Making critical connections: predictive analytics in government Improve strategic and tactical decision-making Highlights: Support data-driven decisions using IBM SPSS Modeler Reduce fraud, waste and abuse
More informationtransforming the future
UK: +44 (0)845 544 0465 US: +1 (877) 778-2260 Email: info@stratogen.net Website: www.stratogen.net of cloud applications transforming the future PART OF THE UNLOCKING CLOUD POTENTIAL SERIES A WHITEPAPER
More informationCAN YOUR WEALTH MANAGEMENT FIRM STAND UP TO THE NEW WAVE OF FINTECH DISRUPTORS?
CAN YOUR WEALTH MANAGEMENT FIRM STAND UP TO THE NEW WAVE OF FINTECH DISRUPTORS? Digitally savvy investors usher in seismic changes in financial services technology In the aftermath of the 2008 global economic
More informationAutomating the Back Office. How BPM can help improve productivity in the back office
Automating the Back Office How BPM can help improve productivity in the back office 2 TABLE OF CONTENTS 1 Introduction...3 2 Transformation of the Back Office...4 3 TIBCO Customer Examples...6 4 The Future
More informationOperational Analytics
Operational Analytics Version: 101 Table of Contents Operational Analytics 3 From the Enterprise Data Hub to the Enterprise Application Hub 3 Operational Intelligence in Action: Some Examples 4 Requirements
More informationWealth management offerings for sustainable profitability and enhanced client centricity
Wealth the way we do it Wealth management offerings for sustainable profitability and enhanced client centricity The wealth management business is transforming. To delight their clients, firms must adopt
More informationForward Thinking for Tomorrow s Projects Requirements for Business Analytics
Seilevel Whitepaper Forward Thinking for Tomorrow s Projects Requirements for Business Analytics By: Joy Beatty, VP of Research & Development & Karl Wiegers, Founder Process Impact We are seeing a change
More informationwww.sryas.com Analance Data Integration Technical Whitepaper
Analance Data Integration Technical Whitepaper Executive Summary Business Intelligence is a thriving discipline in the marvelous era of computing in which we live. It s the process of analyzing and exploring
More informationThe Importance of Data Quality for Intelligent Data Analytics:
The Importance of Data Quality for Intelligent Data Analytics: Optimizing the Financial and Operational Performance of IT White Paper IT decisions are only as good as the data they re based on. And that
More informationPentaho Data Mining Last Modified on January 22, 2007
Pentaho Data Mining Copyright 2007 Pentaho Corporation. Redistribution permitted. All trademarks are the property of their respective owners. For the latest information, please visit our web site at www.pentaho.org
More informationReveal More Value in Your Data with Location Analytics
Reveal More Value in Your Data with Location Analytics Brought to you compliments of: In nearly every industry, executives, managers and employees are increasingly using maps in conjunction with enterprise
More informationMaster Data Management
Master Data Management Managing Data as an Asset By Bandish Gupta Consultant CIBER Global Enterprise Integration Practice Abstract: Organizations used to depend on business practices to differentiate them
More information!!!!! BIG DATA IN A DAY!
BIG DATA IN A DAY December 2, 2013 Underwritten by Copyright 2013 The Big Data Group, LLC. All Rights Reserved. All trademarks and registered trademarks are the property of their respective holders. EXECUTIVE
More information2020 Foresight: Best Practices in Implementing Mobile Payments
2020 Foresight: Best Practices in Implementing Mobile Payments Product Code: VR0963MR Published Date: November 2013 For more details about the full report, please contact: T: +65 6383 4688 E: info@ap.timetric.com
More informationCA HalvesThe Cost Of Testing IT Controls For Sarbanes-Oxley Compliance With Unified Processes.
TECHNOLOGY BRIEF: REDUCING COST AND COMPLEXITY WITH GLOBAL GOVERNANCE CONTROLS CA HalvesThe Cost Of Testing IT Controls For Sarbanes-Oxley Compliance With Unified Processes. Table of Contents Executive
More informationData Catalogs for Hadoop Achieving Shared Knowledge and Re-usable Data Prep. Neil Raden Hired Brains Research, LLC
Data Catalogs for Hadoop Achieving Shared Knowledge and Re-usable Data Prep Neil Raden Hired Brains Research, LLC Traditionally, the job of gathering and integrating data for analytics fell on data warehouses.
More informationthrough advances in risk-based
Insight brief Quintiles is a market leader with >100 risk-based monitoring studies Quintiles developed solutions that bring as much as 25% cost reduction over traditional trial execution approaches Transform
More informationThe new digital ecosystem reality: Digital commerce is a journey. Technology Institute November 2014
The new digital ecosystem reality: Digital commerce is a journey Technology Institute November 2014 81 percent of CEOs believe that technology will transform their business PwC s 17th Annual Global CEO
More informationQPR Performance Management
QPR Performance Management Improve Business Performance with Intelligence and Collaboration QPR Performance Management: Strategy, Intelligence and Collaboration QPR Performance Management Improving your
More informationOvercoming Obstacles to Retail Supply Chain Efficiency and Vendor Compliance
Overcoming Obstacles to Retail Supply Chain Efficiency and Vendor Compliance 0 GreenLionDigital.com How process automation, data integration and visibility, advanced analytics, and collaboration improve
More informationRedefining Infrastructure Management for Today s Application Economy
WHITE PAPER APRIL 2015 Redefining Infrastructure Management for Today s Application Economy Boost Operational Agility by Gaining a Holistic View of the Data Center, Cloud, Systems, Networks and Capacity
More informationI D C A N A L Y S T C O N N E C T I O N
I D C A N A L Y S T C O N N E C T I O N Melissa Webster Program Vice President, Content and Digital Media Technologies T h e F u t u r e of Enterprise Content Management: F i ve E C M T r e nds in 2014
More informationGlobal Headquarters: 5 Speen Street Framingham, MA 01701 USA P.508.872.8200 F.508.935.4015 www.idc.com
Global Headquarters: 5 Speen Street Framingham, MA 01701 USA P.508.872.8200 F.508.935.4015 www.idc.com W H I T E P A P E R D a t a A u g m e n t e d w i t h C o n t e x t P r o v i d e s R i c h e r C
More informationThe Power of Installed-Base Intelligence: Using Quality Data and Meaningful Analysis to Drive Service Revenue WHITE PAPER
The Power of Installed-Base Intelligence: Using Quality Data and Meaningful Analysis to Drive Service Revenue WHITE PAPER The Power of Installed-Base Intelligence: Using Quality Data and Meaningful Analysis
More informationGROW YOUR ANALYTICS MATURITY
GROW YOUR ANALYTICS MATURITY Gain and Sustain a Competitive Edge FROM DATA TO ACTION YOU VE HEARD THE BIG DATA BUZZ. WE RE SWIMMING IN MORE DATA THAN EVER. But it s not about the amount of data, the different
More informationBusiness Process Services. White Paper. Automating Email Management: Managing Workflow Effectively
Business Process Services White Paper Automating Email Management: Managing Workflow Effectively About the Authors Deva Latha S. Assistant Consultant Deva Latha has over nine years of experience in Business
More informationBest Practices for Monitoring: Reduce Outages and Downtime. Develop an effective monitoring strategy with the right metrics, processes and alerts.
Best Practices for Monitoring: Reduce Outages and Downtime. Develop an effective monitoring strategy with the right metrics, processes and alerts. 1 TABLE OF CONTENTS INTRODUCTION WHAT TO MONITOR ENSURING
More informationReaching Customers Across Multiple Channels
Leading Provider of Cloud-Based Customer Experience Solutions Relies on Integrated, Modular WSO2 Middleware to Speed the Delivery of Services that Enhance User Engagement Businesses recognize that brand
More informationIBM Software A Journey to Adaptive MDM
IBM Software A Journey to Adaptive MDM What is Master Data? Why is it Important? A Journey to Adaptive MDM Contents 2 MDM Business Drivers and Business Value 4 MDM is a Journey 7 IBM MDM Portfolio An Adaptive
More informationVMware Cloud Operations Management Technology Consulting Services
VMware Cloud Operations Management Technology Consulting Services VMware Technology Consulting Services for Cloud Operations Management The biggest hurdle [that CIOs face as they move infrastructure and
More informationWhen to Leverage Video as a Platform A Guide to Optimizing the Retail Environment
When to Leverage Video as a Platform A Guide to Optimizing the Retail Environment Contents S1 An Industry in Transition Over the past few years, retail has seen seismic changes in how the customer shops.
More informationCombining the power of content and process with the right content management solution. IBM Information Management software
May 2008 IBM Information Management software Combining the power of content and process with the right content management solution 2 Choosing the right data warehouse One of your organization s most valuable
More information