Академический Документы
Профессиональный Документы
Культура Документы
International
Treasury
V Chandrasekhar
Bank of Baroda
Agenda
Banking Scenario
Overview
OLTP
DSS
EDWH
BI
International
Treasury
Banking Scenario
Globalisation
Competition
Reduced Margins
Increased complexity
Problems of Size
M&A
Regulatory Controls - Risk Management
Agility
International
Treasury
International
Treasury
Need
DSS
BI
International
Treasury
The BI architecture
The three main categories:
1. Operational Insight & Intelligence
2. Strategic Insight & Intelligence
3. Special Situations Insight & Intelligence
International
Treasury
OLTP Systems
For Automating Business Transactions
Enable bookkeeping
Functional silos retail, corporate, treasury
etc they are production data bases
No value for historical data
Data is diverse and complex
User access is complex
User access slows business operations
OLTP systems are not designed for data
analysis
International
Treasury
DSS
Not just individual functional information
but cross functional
Integration relationships between data
elements
Adhoc Queries
Analytical Queries
Multi-Dimensional Views
International
Treasury
International
Treasury
Data Marts
No framework
Data quality
Incompleteness of data
High costs of development and running
Manpower, Skills, Systems, Complexity
Redundant efforts
International
Treasury
subject oriented
integrated
non-volatile
time variant
collection
of data in
managements decisions.
International
support
Treasury
of
3 of 3
International
Treasury
OLTP Vs DWH
International
Treasury
DWH
Complex ad-hoc queries are submitted and
executed rapidly because the data is stored in a
consistent format
Queries dont interfere with ongoing operations
because the system is dedicated to serving as a
data warehouse
Data can be organized by useful categories such
as customer or product because the data is
consolidated from multiple sources.
The data warehouse is a single source of
consolidated data, which provides an enterprisewide view of the business.
International
Treasury
EDWH
Never a big bang approach
Have a framework
Start small
Iterate
Architecture driven by business and not
technology
EDWH is part of corporate strategy
International
Treasury
EDWH Model
International
Treasury
Batch ETL
CRM
Batch ETL
HRIS
Batch ETL
App2
Batch ETL
App3
Batch ETL
App4
Real-Time
Messaging
App4
Local
Data
Mart
Batch ETL
HR
Data
Mart
Batch ETL
Local
Data
Mart
Batch ETL
Local
Data
Mart
Global
Data
Warehouse
Batch ETL
Batch ETL
International
Treasury
International
Treasury
Business Intelligence is a
Corporate Activity
Data
Collection
Information
Extraction
Data
Analysis
Strategic
Analysis
Performance
Indication
Statistical
Analysis
Forecasting
International
Treasury
BI PROCESS
Transactional systems
Processes
Integration
Consolidation
Intelligence
Strategy modification
Implementation
International
Treasury
Financial Services
Some Statistics
20 % of the customers represent 160% of the profits
A 5% increase in retention can produce an increase in
profits between 25-80%
A customer with one relationship with a bank has a 35%
chance of leaving
A customer with 3 or more relationships has an 85%
change of being with the Financial Institution for 3-5 years.
A shift in the customer mix from 30%(As) 30%(Bs)
40%(Cs) to 40-30-30 can often raise overall profits by as
much as 60%
International
Treasury
Account Centric
Product Centric
Market Centric
Customer Centric
International
Treasury
Bankers Needs
Customer Profiling
Channel Profiling
Profitability Analysis
Performance reporting
Transfer pricing
ALM
Risk Management ( Credit Risk, Market Risk,
Operational Risk)
Wealth / Portfolio Management
HRIS
International
Treasury
Financial Fraud
Money laundering
Syndicated frauds credit card cloning
Internal fraud staff fraud
Merchant fraud
Challenges in identifying fraudulent
transaction before it is too late and
preventing them
International
Treasury
Treasury
Banking Scenario
Branch Systems
Size and Spread
Silo Applications
No / Limited Networking
No Centralised Repository
No Centralised Controls
International
Treasury
International
Treasury
Loan Analysis
Credit Risk
Market Risk
Operational Risk
HR Management
Channel Management
Segmentation
Product / LOB Performance Measurement
MIS & Reporting
International
Treasury
EDWH
Data warehousing provides data quickly and
in a format that greatly enhances the
decision making process.
The data warehouse allows financial
institutions to exploit the potential of
information previously locked in legacy
systems ( which is currently inaccessible to
the business user) or across current silo
systems
Massiveness of Data that needs mining
Complex views / relationships
International
Treasury
Data
In-house G/L
Silo Applications
External Data Sources
DWH Update
Batch
Real-time
International
Treasury
Business metadata
Subject areas and information object type, including queries, reports,
images, video, and/or audio clips.
Internet home pages
Other information to support all data warehousing components.
Data warehouse operational information, e.g., data history, ownership,
extract audit trail, usage data
International
Treasury
Data Mining
The process of extracting valid, previously
unknown, comprehensible, and actionable
information from large databases and using it
to make crucial business decisions
Involves analysis of data and use of software
techniques for finding hidden and unexpected
patterns and relationships in sets of data.
Patterns and relationships are identified by
examining the underlying rules and features
in the data.
Most accurate and reliable results require
large volumes of data
International
Treasury
Data Mining
Retail / Marketing
Identifying buying patterns of customers.
Predicting response to mailing campaigns.
Banking
Detecting patterns of CC fraud
Identifying loyal customers
Insurance
Claims analysis.
Predicting which customers will buy new policies.
International
Treasury
Predictive modelling
Database segmentation
Link analysis
Deviation detection
International
Treasury
Data
International
Treasury
Data
Incorrect data
Missing data
Lack of sufficient data detail
Insufficient Security and Privacy
International
Treasury
International
Treasury
Data Quality
Data Quality Principles - accurate and consistent data between
trading partners in the consumer products industry
Business not IT owns the data
Managing Data as a Product
Treating Data as an Asset
Optimise Data not Process
Data Quality Best Practices
Keep Data Structures Simple
Use Standard Names and Definitions
Developing Meaningful Definitions
Classification and Report Structures are treated separately
Labels used must be consistent and unique
The Data-Information-Knowledge Continuum
International
Treasury
Data Quality
Improve data quality management in your organisation
Address challenges faced during implementation of
data quality systems
Look at the available technology options and choosing
the right device
Create a strategic vision for data quality management
Leverage from best case examples of effective data
quality management strategies
Streamline your data quality process with the help of
data management
Seek the consultancy of hands-on experience from data
quality management experts
International
Treasury
Data Quality
Ensure your organisation is geared for a data quality
management strategy
Optimise your core data entity through tools and quality
systems
Improve ROI by aligning data quality systems with
business strategies
Implement value-added data quality processes to your
organisation
Learn to effectively master data quality management to
increase your organisation's ROI on EDWH
International
Treasury
BI Strategies
Comprehensive BI strategy and architecture
Short-duration BI mini-strategy offerings
Executive education briefings
Staff training in BI best practices
Assessments of existing BI environments and
implementations
BI project risk assessment, quality assurance
(QA) planning, and project plan/methodology
review
International
Treasury
IT Issues
Technology Islands
Incomplete
information
is
more
damaging than no information
Has the modern era (since 19901991) of BI and DW been successful or
not?
International
Treasury
Sources
International
Treasury
Implementation Issues
International
Treasury
International
Treasury
BI Issues
International
Treasury
Business Sponsorship
User Commitment
Data Warehouse Experience
Data Quality Problems
Inability of Users to Easily Analyze the
Data
International
Treasury
BI
Sales
Operations
Finance
HR
Customer service
Supplier relations
Agility not in SW but in people
Helps in refocus organisations
resources
International
Treasury
scarce
Technology
MS DOS etc ushered in an era of
affordable computing
RDBMS, BI , WFL etc came down to
desktops from glass cages
Ubiquitous
Empowerment of customers and
employees
Self Service
Software as Utility
International
Treasury
Thank You
International
Treasury