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Building Innovative Data Products in a Banking Environment

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En esta sesión se explicarán algunos de los retos y amenazas a los que se enfrentan el entorno financiero derivados de la necesaria transformación digital. Durante la conferencia se expondrán casos de uso reales de proyectos desarrollados por los equipos de analítica de BBVA que demuestran el potencial de los datos para generar productos que agregan valor a la relación con los clientes y contribuyen a solventar sus necesidades.

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Building Innovative Data Products in a Banking Environment

  1. 1. Big Data Analytics at BBVA
  2. 2. Demystifying Big Data / 2 Diego J. Bodas Sagi Data Scientist at BBVA Data & Analytics PhD. AI MBA PMP MSc. in Mathematic @DiegoBodasSagi diegobodas@yahoo.es
  3. 3. Big Data Analytics at BBVA BBVA Data & Analytics The Analytic Center of Excellence of BBVA (fully owned subsidiary) Goal: to globally drive BBVA transformation into a digital data-driven business 45 people from 10 countries, 33% women, 16 PhDs Madrid - Barcelona - México D.F.
  4. 4. Big Data Analytics at BBVA Outlines  New opportunities  The data-driven company  New context  BBVA examples
  5. 5. Big Data Analytics at BBVA Vídeo del presidente
  6. 6. Big Data Analytics at BBVA Vídeo Carlos Torres
  7. 7. Big Data Analytics at BBVA Vídeo peace of mind
  8. 8. Big Data Analytics at BBVA Una compañía data-driven Comprenden lo que el cliente quiere de ellas. Ajustan sus experiencias a la expectativas del cliente Entienden el trade-off confianza-datos en su relación con el cliente Usan los datos de forma automática en sus decisiones Gracias a los datos, aprenden y se adaptan de manera ágil ¿Qué tienen en común las empresas data-driven?Elena Alfaro Global Head of Data & Open Innovation
  9. 9. Big Data Analytics at BBVA Why? • To Be Data-Driven: support & eliminate decision making
  10. 10. New context New Technologies New Expectations from our Customers New Regulations Multichannel interactions & cloud computing Inmediate answers & customized solutions New challenges & new opportunities
  11. 11. Big Data Analytics at BBVA Big Data is the answer, but what is the question?
  12. 12. 0 1 1 0 0 1 1 1 0 0 1 1 1 1 1 0 0 1 1 1 0 1 1 1 0 1 1 0 0 1 0 0 1 0 0 1 1 1 0 1 1 0 0 1 0 1 0 0 1 1 1 1 1 0 0 1 1 1 0 1 1 1 0 1 1 0 0 1 0 0 1 0 0 1 1 1 1 1 0 0 1 1 1 0 1 1 1 0 1 1 0 0 1 0 0 1 0 0 1 1 1 0 1 1 1 0 0 1 1 1 1 1 0 0 1 1 1 0 1 1 0 0 1 0 0 1 0 1 1 1 0 0 1 1 1 0 0 1 The Knowledge Hierarchy predict recommend score and rate classify detect optimize
  13. 13. Big Data Analytics at BBVA Impact
  14. 14. For BBVA decision making: Customer Knowledge Risk & Fraud Analytics
  15. 15. Big Data Analytics at BBVA Client X9TSX445 Bought in Zara Gran Vía on Thursday 19th 2017 at13:50 What we see Time & Space
  16. 16. Big Data Analytics at BBVA Client X9TSX445 demographic data Time & Space Profiles & Behaviors 15€ 78€ 22€ 12€ 33€ 11€9€ 12€ 12€ 99€ 25€ 25€ 25€ What we see
  17. 17. Big Data Analytics at BBVA Time & Space Profiles & Behaviors Patterns 15€ 25€ Time Accountbalance 9€ 99€ 11€ Client X9TSX445 has a money-saving profile What we see
  18. 18. Big Data Analytics at BBVA Time & Space Profiles & Behaviors Patterns Relations What we see
  19. 19. Big Data Analytics at BBVA Risk & Fraud data products Risk & Fraud vs
  20. 20. Big Data Analytics at BBVA
  21. 21. Big Data Analytics at BBVA 04/07/16 REPSOL 56,72 05/07/16 RESTAURANT FORN 10,00 05/07/16 RETIRADA EFECT. 40,00 06/07/16 PAGO COMUNIDAD 30,00 07/07/16 HOLY SUSHI 9,95 07/07/16 ZARA 19,95 … Account operations Categorizer Categorization engine
  22. 22. Categorization Engine
  23. 23. Big Data Analytics at BBVA • Processes 30M monthly time series derived from customers expenses & incomes • Will feed functionalities such as financial calendar or financial alerts Anticipating: Financial Calendar 04/07/16 REPSOL 56,72 05/07/16 RESTAURANT FORN 10,00 05/07/16 RETIRADA EFECT. 40,00 06/07/16 PAGO COMUNIDAD 30,00 … M-5 M-4 M-3 M-2 M-1 M Output: Forecast for next month If possible, next date Input: Monthly Data Prediction engine
  24. 24. For businesses: Commerce360 Democratize contextual business intelligence to small retailers https://www.commerce360.es/
  25. 25. Big Data Analytics at BBVA What does a retailer really know? vs
  26. 26. Big Data Analytics at BBVA
  27. 27. Big Data Analytics at BBVA
  28. 28. Big Data Analytics at BBVA We do apply privacy filters to generate statistics involving a minimum number of cardholders and commerces
  29. 29. The Data-Driven Bank / 29
  30. 30. Big Data Analytics at BBVA
  31. 31. Big Data Analytics at BBVA
  32. 32. Big Data Analytics at BBVA For urban and tourism managers & 3rd parties Detailed reporting on mobility and economic impact of events, tourism and decision making. Data as a service http://bbvatourism.vizzuality.com/
  33. 33. Big Data Analytics at BBVA DATA Urban & Tourism Analytics
  34. 34. Data Democratization
  35. 35. Big Data Analytics at BBVA
  36. 36. For social good: Hurricane Odile Measuring economic resilience to disasters in partnership with United Nations and BBVA Bancomer http://odile.bbvadata.com/
  37. 37. odile.bbvadata.com
  38. 38. Big Data Analytics at BBVA
  39. 39. Big Data Analytics at BBVA
  40. 40. Big Data Analytics at BBVA
  41. 41. Thank you! “DATA IS THE NEW OIL? NO: DATA IS THE NEW SOIL” DAVID MCCANDLESS

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