BIG DATA EXPERT KNOWLEDGE

Transcription

1 EXPERT KNOWLEDGE 1

2 WHAT DOES THE MARKET REFER TO WHEN TALKING ABOUT? BUSINESS AUTOMATION VOLUME TECHNIQUE IDEAS Velocity DECISIONS VARIETY FORECAST 2

3 WHY BUSINESS INTELLIGENCE IS NOT THE SAME AS? BUSINESS INTELLIGENCE static data constant data flow hypothesis based predictive algorithm internal decisions on support and/or service new business opportunities 40 TB or less from100 TB to PB columns and rows formatting Structured and unstructured data NOTE: TB, TERABYTE; PB, PETABYTE 3

4 WHAT'S THE INFRASTRUCTURE IN CAIXABANK? THE DATA POOL INFORMAtion not used USE OF CHANNELS, SEASONAL PRODUCT, CALL CENTERS DATA POOL SMART BANKING structured information feeling analysis BEHAVIOR PATTERNS operating systems PRODUCT APPLICATIONS CUSTOMER DATA non-structured information AUTOMATION OF BUSINESS PROCESSES ENRICHMENT OF CLIENT PROFILE social networks Internal and external ARTIFICIAL INTELLIGENCE 4

5 EXAMPLE OF THE NEW CAPACITIES OF VS BUSINESS INTELLIGENCE: RTD, A NEW APPROACH OLD APPROACH WE HAVE AN OFFER OFFER SELECTING AN ADEQUATE RANGE OF COSTUMERS INTERACTIVE APPROACH WE HAVE A CLIENT RTD OFFER CONTENT PRODUCT ADVERTISING CHOOSING THE BEST OFFER AMONGST THE AVAILABLE FOR THIS SPECIFIC COSTUMER IN THIS SPECIFIC MOMENT. 5

6 BUSINESS BUILDING A DEPOSIT PRICING MODEL SINGLE PRICE RATE < <= <= LEVEL 1 ENTITY S POLICIES LEVEL2 0,65% 0,75% 0,95% 1,05% 1,10% 1,20% PRICE CUSTOMIZED BY THE CLIENT PRICING CUSTOMER 1 PRICING CUSTOMER 2 PRICING CUSTOMER 3 + PRICING CUSTOMER 4 + ACTIVE VOLUME TRANSFERring FUNDS forecast COMPETITION profitability BALANCES plan transferring FINANCIAL MARGIN INSURANCE RISK PRICING CUSTOMER N 6

7 CHANNELS ATMs CUSTOMIZED MENUS COMMON OPERATIONS All customers of "la Caixa" have direct access to their operations. This way they can operate faster at ATMs. EACH CUSTOMER CAN HAVE UP TO 4 CUSTOMIZED BUTTONS THE OPERATIONS SHOWN TO THE COSTUMER CAN BE: Configured by the customer through On-Line Banking or terminal office. Automatically calculated according to customer s behavior in the atm. default options in case the costumer doesn t have any usage history which can be used to calculate his options. common operations customized menus they provide the possibility of having customized operations for the different profiles a costumer can have. voice guided for blind people. high contrast Operational for people with vision problems. Simplified operational (CaixaFácil) for people unfamiliar with the use of technology. Operations using sign language for deaf people. Keyboard interaction system for people with dexterity or motor problems. 7

8 CHANNELS CARDBOX big data at the client s service clients can operate their data to get information information is organized according to the usage (stores, dates, ) CardBox is an online service that offers a comprehensive view of all customers cards, and enables the management and control of all purchases and operations. CardBox has high advanced functionalities to provide value added services for our customers: Automatic classification of all purchases made during the last 24 months. Possibility of classifying purchases in a personalized way, with labels or tags as kids, holidays and Christmas. Comparison of spending graphs in determined temporal lapses, with the possibility of personalized filters made by clients. Follow up of spending in the client s favorite stores, and so on. The customer has 24 months of On-Line DATA to make queries, label expenses, make comparisons 8

9 CHANNELS RECIBOX big data at the client s service: clients can operate their data to get information ReciBox is an online and multi-device service that enables customers to have full control of their bills and to manage their standing orders. The ReciBox s objective is to engage more our customers, providing them useful information and, at the same time, optimizing their user experience. ReciBox offers a wide range of services based on the following 3 blocks: Managing and controlling my standing orders: Planning, comparing and aggregating Avoiding surprises: Checking, notifying and solving with the warning system of 11 exclusive and free alerts. Making communication with issuing companies easy Informing, managing and offering. ReciBox is the first service in the European market that warns customers before a bill is returned, and before a bill is paid. It also has a calendar with expected bills and it allows the customer to add bills manually. 9

10 RISKS ON-LINE SCORING PROJECT The aim of the project is the "immediate" granting of a credit card TO No-Customers from THEIR card and / or account number IN another entity: thereby THE use in our businesses and its Direct Debits WILL BE ANALYZED WITH i COSTUMER REQUESTS A CARD INFORMATION CARD OF OTHERS ACCOUNT NUMBER Direct Debits ON-LINE REPLY BY INFORMATION USE WITHOUT SOME DAYS ARE NEEDED TO CONTRAST THE INFORMATION

11 RISKS ADVANCE ME Using Big Data to advance Merchant s Income Merchant Knowledge Merchant Historical StatementS Risk assessment and Merchant s financial position Instant Loan to the Merchant to advance their future Income The merchant can pay the instant loan with a % of his income daily The Merchant can apply it through ATMs and Internet Banking 11

12 SECURITY FRAUD CONTROL GLOBAL FRAUD CONTROL ENGINES CREDIT CARDS LYNX (REDSYS FRAUD ENGINE) LOG BOOK (LOG ANALYSIS) ELECTRONIC CHANNEL OFFICE GENERATING ALERTS CHANNELS GLOBAL FRAUD CONTROL INTERNET POS OPERATION IS SENT DETECTING PREVENTING FRAUD ENGINE MANAGING CGF + MASSIVE PROFILES ALERT MANAGING ATM MONITORING EXTERNAL SYSTEMS INFRASTRUCTURE USE ELECTRONIC BANKING MEGAMAIL (SENDING MAILS) OASIS (SMS) CAIXA HOST (TRANSACTIONS) SIEBEL (CLIENT COMUNITY) 12

13 Big Data has been incorporated as a line of action in CAIXABANK S Strategic PLAN OF