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2 Introduction Moxon Intelligence Systems is a specialist predictive analytics development company. We focus on delivering software, consulting and training solutions that enable the prediction of customer behaviour. This behaviour can be modelled across industries, for example financial services or retail, as well as business areas such as credit, risk, marketing, sales, product and segment. How Moxon conducts its analysis: SOFTWARE Our analytics platform, iscore, enables a client to build quick and effective predictive models via the use of an onsite or, alternatively, hosted web-based application. The results of these models produce management information that enables the client to monitor the performance of their various scorecards over time. The iscore platform collates data from various sources, in addition to building and monitoring automated behavioural models. The platform can either be hosted on-site, behind a client s firewall, or alternatively purchased as a software as a service solution. It is supported by a specialist predictive analytics development team. The systems developers main expertise lie in datamart construction, predictive model building, scoring engines and reporting interfaces. CONSULTING The Moxon scorecard development, alignment and validation team consists of a number of highly skilled analysts with combined experience of over 20 years. Their expertise extends across various industries, models and geographic locations. How your business will benefit from our partnership: Moxon focuses on working with your employees in the deployment of our software as well as the development of your customised predictive models. Training and the impartment of knowledge is at the centre of your project management style. In so doing, you benefit from our world class software and consulting services which will unlock insights into the performance of your business. This in turn will result in an increase in your return on investment whether that may be in the field of credit scoring, lapse rate or attrition modelling to name but a few areas of focus. 2

3 Analytical Software iscore Drone Analytics Platform EXTERNAL DATA SOURCES (IF NEEDED) Your Analytics environment starts here! Consolidate your data into one centralised area to jump start your analytics & decisioning capabilities Ultra-fast, deep analysis of large data sets Rich data import and export functionality iscore Drone adds thousands of metrics to enrich your analysis, modelling and reporting from our pre-programmed variable library iscore Drone allows your business to take data from various data sources and collate it into an environment that allows for easy interpretation and further analysis. Once collated, the platform calculates statistical derivations, or metrics, from your data which enables you to gain a deeper understanding of the underlying factors leading to your businesses performance. These derivations are customised to your specific industries requirements. iscore Drone does not replace your data warehouse, should it already exist, but adds an additional interpretation layer to allow for quick and effective analytics to commence. In addition, the platform has no impact on your existing data environment thus reducing implementation times and cost. When implemented the platform is fully automated with respect to its data imports from the various sources. This import can be customised to meet your data viewing requirements whether that may be on a daily or monthly basis. Bureau Data Operational data stores Core Data stores Data enrichment source INTERNAL DATA SOURCES XML TM iscore Drone CSV TXT Data in alternate formats - Derivations, metrics & raw data designed to meet your industries specific requirements - Data collated into a format from which analytics can commence 3

4 iscore Modeller Powerful predictive modelling iscore Modeller is a powerful predictive model building application. Design credit and risk scorecards, attrition, response and many more predictive models in an intuitive environment. Simple to understand, with a powerful back-end platform to provide the ability to model on large datasets. Intuitive front-end iscore Modeller provides intuitive workflows and wizards in a front-end format Dramatically increase the ability to construct predictive models in a shorter time, without the need for in-depth coding knowledge. Best practise iscore Modeller provides industry leading methods in predictive modelling: Fine and coarse class continuous and discrete data using our trademark classing algorithms A host of tables and graphs to guide you in building the best model possible, and illustrate the model s power A data management section allows easy importation of datasets, with data cleaning tools to improve a dataset s integrity. The data analysis tools allow you to gain an insight into your data before modelling Allows for the rapid deployment of models into your production workflows Validation and recalibration Design customised predictive models using your data, including recalibration and validation functionality, using holdout or out-of-time data. Predictive models include, to name but a few: Application/ Behavioural Risk & Attrition Response & spend propensity Payment & recoveries propensity Lapse propensity Expert support and training Our experienced modelling analysts are always available for training, as well as technical support and guidance 4

5 iscore MIS Management Information System Turn your data into an invaluable asset iscore MIS is a web application reporting platform that integrates with your underlying analytics databases. A cube-based data environment, iscore gives you the ability to rapidly mine your data, develop custom reports in a drag and drop interface, or access our predesigned reporting suites. Predictive model monitoring, dashboards and a data analysis section provide you with a full set of analytical capabilities. Customised reports Design custom reports, using our drag and drop cube model environment. Rapidly deploy reports for any user or user groups to view Pre-designed reports Our pre-designed reporting suites are built to meet industry accepted standards to kick-start your reporting needs Schedule reports to be automatically run and distributed Pre-designed reports include: Population stability indices Vintage analysis Profitability analysis Approval analysis Referral rules analysis Override analysis Take-up rate analysis First payment delinquency analysis Segmental performance Dashboards Custom dashboard for executive overviews and snapshots Watchlists Monitor your accounts and customers for shifts in behaviour. Set custom alerts in the system to notify you of any changes you may need to know about Scorecard monitoring Automatic monitoring of your predictive models, providing indications of shifts in strength and predictiveness. Metrics include: Goods & bads distribution Rank ordering Gini co-efficient Kolmogorov-smirnov Data Analysis Quickly extract data from your analytics mart for analysis Use the data analysis tools for statistical analysis and excellent data visualization 5

6 Services Analytics mart construction More than often one is presented with large amounts of data in its rawest format. The challenge is converting this raw data into a platform, or analytics mart, that is interpretable and which enables analysis to commence. Moxon employs industry accepted best practice to establish this very platform. We take your various raw data environments and combine the fragmented pieces into a platform that is accessible and easy to interpret. This platform will contain statistical calculations derived from your raw data that will enable you to unlock additional insights into the performance of your business. We customise these calculations to provide you with information relating to your specific industry. Implementation of platforms such as this are usually lengthy processes. Through the unique design of our software, in addition to the methodologies we employ, this time is shortened considerably. The analytics mart is fully automated to incorporate data as and when you require it, whether that may be on a daily or monthly basis. Predictive model construction The team has constructed, aligned & validated numerous dichotomous & continuous outcome models, for example: Application/ Behavioural risk & Attrition Response & spend propensity Payment & recoveries propensity Lapse propensity Scorecards have been constructed across a wide range of institutions: Banks (cheque, home loans, VAF, personal loans, credit cards, etc) Fashion & furniture retailers Short & long term insurance providers Micro lenders Collections agencies Contact & customer care centres Mobile phone providers Strategy design Once analysis is complete the business is required to interpret the outcomes and implement a way forward. Often this task can be daunting as the implications for ones business in the future can be substantial. The Moxon team can assist you by understanding your existing situation both from an internal and external viewpoint. These factors are analysed by ourselves, in very close conjunction with your employees, to provide you with a forecast of the impact that the various strategies may have on your business. Moxon will provide guidance to you and your employees in the implementation of these strategies and will continue to monitor the impact of these decisions on your business over time. By closely watching these factors you can constantly fine tune and direct the course of your business. Campaign management Often you are faced with a large number of existing or potential customers that you can market directly to. In the unlikely scenario of an unlimited budget and time one would contact everybody on the list with no resulting impact on the performance of the campaign. In reality this is not the case, as one is required to justify the expenditure while maximising the expected ROI on each campaign. Moxon can provide assistance to you in your campaign planning and execution through the use of data driven strategies. By targeting your campaigns at the right customers, with the right offering, along with the correct message, you can expect to obtain increased ROI. Training The field of predictive analytics is a skill that requires thorough knowledge of various techniques and approaches. Products such as iscore have gone a long way to removing the requirement of coding knowledge from the equation, however, you may still require the analyst to up-skill themselves in the various techniques and approaches of model building and implementation. With this in mind Moxon offers training across various areas of predictive modelling and its applications. Training is conducted by a team that has consulted to numerous other scorecard development teams as well as being published co-authors of scoring related books. 6

7 Contact Us 2nd Floor West Tower Nelson Mandela Square Maude Street Sandton Johannesburg, 2196 t: f: e: w: PO Box Sandton

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