Juan Carlos Plaza explica los proyectos sobre Big Data de BBVA
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Juan Carlos Plaza explica los proyectos sobre Big Data de BBVA

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Juan Carlos Plaza explica los proyectos sobre Big Data de BBVA

Juan Carlos Plaza explica los proyectos sobre Big Data de BBVA

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    Juan Carlos Plaza explica los proyectos sobre Big Data de BBVA Juan Carlos Plaza explica los proyectos sobre Big Data de BBVA Presentation Transcript

    • Big data projects Juan Carlos Plaza juancarlos.plaza@bbva.com
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    • 26M transactions / day 4
    • 5
    • Credit access 6
    • 15% 40% 7
    • Retail  
    • What  does  a  retailer  really  know?   My customers in other sectors & areas? My customers My customers in my area? Area Non customers in other sectors & areas Non customers in my sector & area? My customers in my sector & area? My customers in my sector? Non customers in my sector? Non customers in my area? Sector 9
    • What  does  a  retailer  really  know?   Crosselling Diversification My customers Diversification Crosselling Area New portfolio Offers Loyalty Expansion Expansion Opening hours Sector 10
    • Distancia  media  recorrida  por  los  clientes  de  xxx  residentes  en   Madrid  para  realizar  una  compra   Éste  es  un  informe  confidencial  propiedad  de  BBVA,  queda  prohibida  su  difusión  sin  autorización  previa.   Los  datos  u@lizados  son  tratados  de  forma  totalmente  agregada  y  anónima  cumpliendo  la  Ley  Orgánica  de  Protección  de  Datos  de  Carácter  Personal  (LOPD).   11
    • RECURRENCIA  XXX   Clientes  únicos  VS  Ingresos  en  función  del  nº  de  visitas   Éste  es  un  informe  confidencial  propiedad  de  BBVA,  queda  prohibida  su  difusión  sin  autorización  previa.   Los  datos  u@lizados  son  tratados  de  forma  totalmente  agregada  y  anónima  cumpliendo  la  Ley  Orgánica  de  Protección  de  Datos  de  Carácter  Personal  (LOPD).   12
    • Wallet  share  de  xxx    frente  al  resto  de  bares&rtes  por  cp  de  cliente   13
    • Patrón madrileños vs clientes MADRILEÑOS Patrón de compra antes/después CLIENTES 14
    • Commerce 360 Éste  es  un  informe  confidencial  propiedad  de  BBVA,  queda  prohibida  su  difusión  sin  autorización  previa.   Los  datos  u@lizados  son  tratados  de  forma  totalmente  agregada  y  anónima  cumpliendo  la  Ley  Orgánica  de  Protección  de  Datos  de  Carácter  Personal  (LOPD).   15
    • Sample  Pilot:   Commerce  360   C360 is a data-driven application suite for retailers of any size to help them understand and act upon their business, customers and context. Decision Examples: •  •  •  •  •  •  •  •  Customized  offers   Marke@ng  campaigns   New  products  offers   Cross-­‐Sales   Local  Partnerships   Measure  ROI   Op@mal  opening  hours   confidencial  propiedad  de  BBVA,  queda  prohibida  su  difusión  sin  autorización  previa.   Éste  es  un  informe   Los  datos  u@lizados   Op@mal  branch  loca@on   son  tratados  de  forma  totalmente  agregada  y  anónima  cumpliendo  la  Ley  Orgánica  de  Protección  de  Datos  de  Carácter  Personal  (LOPD).   16
    • Urban  data  services  
    • world 2011-2012 spending in Madrid by nationality 18
    • country 19
    • region
    • city Balance  of  trade:  Sant  Cugat  (October  1,  2011  –  March  31,  2012)   Qué adquieren los residentes dentro de Sant Cugat Qué adquieren los residentes fuera de Sant Cugat 21
    • neighbourhood Madrid Gay Pride
    • Madrid Gay Pride Incremento 2011 vs semana control 2011 Incremento MADO 2011 vs 2012 9,8% 4,01% 23,62% 19,48% 13,8% -0,8% 9,1% 3,7%
    • Madrid Gay Pride street   Transactions by street / week of the event 24
    • InnovaChallenge Data API
    • Innova Challenge API What is it? The InnovaChallenge Data API offers aggregated statistics of spending by geographical area, temporal period and commercial category, accesible through a REST services API.
    • Innova Challenge API Which are the data sources? (1/2) The statistics exposed through the InnovaChallenge Data API come from a dataset that contains transactions performed with BBVA cards, properly anonymized and aggregated. Scope: •  Madrid and Barcelona provinces •  Timespan: 2012-11 – 2013-04 •  Classified into commercial sectors of activity Some metrics about the data: •  More than 30 million transactions •  More than 2 million cards •  More than 200,000 stores Overall, BBVA has a 15-20% market share in card payments.
    • Innova Challenge API Which are the data sources? (2/2) Each transaction has several parameters associated that describe the context of the purchase made: •  •  •  •  •  •  Transaction amount Time & date of the purchase (timestamp) Store location (lat/lon coordinates). Commercial category of the store. Demographic segment of the cardholder. Zip code of residence of the cardholder. This data, processed and aggregated, provide the basis for the API services. These allow to gain relevant insights on the commercial activity in a given geographical area, for a specific activity sector, for a specific timeframe and a customer segment.
    • Innova Challenge API Statistics: spatial detail The API offers data about geographical areas in two different partitions for the Madrid and Barcelona provinces: - Zip codes - Zoom 2 cells (450x550m) •  These cells have a size determined by half of a hundredth of a decimal lat/ lon coordinate. The cells are centered in coordinates with the third decimal place set to 0 or 5. Some examples: (40.415, -3.705), (40.420, -3.705), (40.415, -3.710), (40.420, -3.710) •  To ask for a cell it’s enough to call the services with a point contained in such cell.
    • Innova Challenge API Statistics: temporal detail - Timeframe: 2012-11 – 2013-04 - Data is aggregated by weeks and months. •  Week number 1 in a given year is considered to be the week that has more than 4 days within the given year. •  To ask for statistics of a given week or month, just specify a day that belongs to the period of interest in the API call. 40 41 42 43 44
    • Innova Challenge API Statistics: store categories There are 16 different store categories / types of activity: •  •  •  •  •  •  •  •  Travel Groceries Hypermarkets Hotels Real estate Automotion Bars and restaurants Personal care •  •  •  •  •  •  •  •  Sports & toys Technology Home Contents Fashion Leisure Health Transportation There are also aggregates for all categories at once.
    • Innova Challenge API Available statistics services The statistics in the services are always referred to an area, a commercial category and a temporal aggregation. Commercial categories
    • Innova Challenge API Available statistics services 1st service: customer segments Given an area, a commercial category and a temporal aggregation, the service returns: - Average spending - Number of transactions - Number of unique cards that have performed the transactions for each one of 14 demographic segments and one segment belonging to corporate cards. It provides insights on how each customer segment spends their money. Restriction: no results are given if based on less than 3 cards per segment or less than 5 stores per category.
    • Innova Challenge API Available statistics services 2nd service: purchase patterns Given an area, a commercial category and a month, the service returns: - For the transaction amounts: average, minimum, maximum, standard deviation and mode. - Number of transactions - Number of unique cards that have performed the transactions for each hour of the day and each day of the week (aggregated patterns computed over the course of a month) Provides insights on typical purchase patterns Restriction: no results are given if based on less than 3 cards or less than 5 stores per category.
    • Innova Challenge API Available statistics services 3rd service: zip codes of residence of the customers. Given an area, a commercial category and a temporal aggregation, the service returns the list of the top 100 zip codes of procedence of customers making purchases in that given area, ordered by the following criteria: - Total spending - Number of transactions - Number of unique cards that have performed the transactions The service returns also the values for these criteria. Provides insights on the area of influence of the stores that are located in a given area. Restriction: no results are given if based on less than 3 cards per zip code or less than 5 stores per category.
    • Innova Challenge API Additional services Commercial categories This service returns the commercial categories tree that can be used to call the other API services. It returns the category id and the description string in English and Spanish.
    • Innova Challenge API Access to the API The data is accesible through a REST API that provides the three data services and the additional commercial categories service. It is necessary to register first at the BBVA Developer Center: http://developer.bbva.com The registration process currently requires the user to specify an application. Once it is registered, the Developer Center provides a pair of app_key and app_secret that will allow you to authenticate yourself and consume the services.
    • Thanks!