Experian is a leading global information services company with over $15 billion in revenue. It uses advanced analytics and machine learning to drive innovation and embed new techniques into its business. This includes using web data, transactional data, and voice data to improve risk scoring, fraud detection, and customer insights. Experian develops products like its Web Data Insights and Transactional Data for Fraud Insights to provide these advanced analytics capabilities to its clients.
5. Drive the trend of AI Evolution
Why we drive innovation 71%
Our clients’ priorities in FY19
is Advanced Analytics
$60B
Global revenue for Advanced
Analytics by 2021
$23.4B
EMEA revenues for 2019
for Big Data Solutions
Advanced Analytics: new data, new techniques and technologies
7. How we embed Advanced Analytics into Business as Usual
The impact of Advanced Analytics and Machine Learning
Advanced Analytics
Manage New Big Data
Web Data
Transactional
Data
Voice Data
Maximize Performance
More Value
from same data
New algorithms
Higher accuracy
Key Benefits
Wider vision and New
Insights
Higher models accuracy
Multi Functionalities:
CRM, Fraud detection,
Regulatory
9. Web Data
Insights
New Big data
EMEA
projects
A.I. Compliance
Lack of BI
Info
Fraud
Credit Risk
Marketing
How we embed Advanced Analytics into Business as Usual
Web Data Insights for SME credit risk scoring
10. Where it is
located
What people are
saying about it
How it can be
reached
On which sites it
is mentioned
Applicant
Company
How we embed Advanced Analytics into Business as Usual
Web Data Insights: web data information for a better Companies’ Insight
11. Bulgaria
Response
<1sec
43% Gini using
only Web Data
90% of Web
Hit Rate
+20% accuracy
Traditional
Scores
How we embed Advanced Analytics into Business as Usual
Web Data Insight Score: Results and Performance
SpainItaly
The
Netherlands
France
Web Data Score
13. Boosting fraud detection with Machine Learning algorithms
TDFI is a complete solution to identifies the applications most likely to be fraudulent combining
several machine learning algorithms to stop fraud and automate the decision process
Increase Fraud Detection
Reduce fraud costs
Create automated decision process
Attend capital requirements
How we embed Advanced Analytics into Business as Usual
Transactional Data for Fraud Insights
14. Multi Algorithms:
RF, GB, NN…
How we embed Advanced Analytics into Business as Usual
Transactional Data for Fraud Insights
Categorization
Segmentation
Aggregate and
Enrich
Portfolio of
Transactions
Track of
spending DNA
Live Notification
and Fraud Alerts
Anomalies
Detection
Machine
Learning
Multi Techniques:
Ai Natural Language Process
Text Mining
Analysis
Advanced
Analytics
16. Collection Fraud DetectionCustomer Insights
Turning voice calls into predictive models
VoC uses information such as voice calls converted into text and several text data sources (e.g.:
contact centre logs, text reports) for the development of predictive models for collections, fraud
detection, regulatory and customer insights.
How we embed Advanced Analytics into Business as Usual
Voice of Customer: a complete solution to extract value from multiple communication sources
17. Calls Records
Development overview
«I am having problem with my boiler
and I would like to fix really soon. I would
like to have priority? Please schedule it
in the mornings, I am working from
home at that time»
Voice to Text Machine Learning for Process
Optimization
Natural Language
Process
How we embed Advanced Analytics into Business as Usual
Voice of Customer: a full end-to-end Natural Language Process solution
How it was Suggested Flow
Optimized Process output
VoC
19. A powerful analytics and data
environment with instant access
to the Big Data universe
Data Universe
Experian
Bureau, Web,
TXN, Voice…
Business Benefits
Artificial
Intelligence
Advanced
Analytics
Top Analytics
tools
SAS, Tableau,
R, Python
Analytics and
Data
as a Service
What you want
When you want
How we embed Advanced Analytics into Business as Usual
Ascend Platform: all you want, when you want
Our plan is to expand out platform in the key areas of the platform and stages of the consumer journey
Our response to the market need is an evolution of our platform that capable of:
Allow vast amounts and types of data
operationalize real time analytical driven decisions at volume
deliver sustainable outcomes for consumers
support a full 360 degree view of the customer
reach and engage with consumers via the channel (s) of their choice
Gini accuracy Calibration accuracy parameter for… behavioral data
….Reduction of Capital Requirement Better allocation of capital requirement
PD Scores Rating Rate 1 ground rate risk rate
Fraud detection based on Suspected Payments:
Unusual Geographical position
Unusual purchases (description – text mining)
Unusual amount and frequence
Text left, image right slide [uses Title, Text, Image layout]
The headline appears in Arial (Experian Dark Blue) at 36pt. If a subheadline is required, it should be manually sized to 22pt.
The text has five pre-set levels in 18pt Arial:
Level 1 – ranged to the left margin for continuous text; if you require a bold subheading you can embolden this to 18pt Arial Bold
Level 2 – ranged to the left text margin with a round bullet, subsequent lines aligning with the text of the previous line
Level 3 – horizontal dash bullet, subsequent lines aligning with the text of the previous line
Level 4 – round bullet, subsequent lines aligning with the text of the previous line
Level 5 –horizontal dash bullet, subsequent lines aligning with the text of the previous line
Advancing through the text levels can be done by using the ‘Increase List Level’ and ‘Decrease List Level’ buttons in the ‘Paragraph’ tools on the ‘Home’ ribbon.
If your text content exceeds the depth of the text box, you may need to consider creating an additional slide.
Inserting an image
A squircle picture placeholder has been set up on the slide layout, bleeding off to the top and right of the layout. The placed image should be a square format and the squircle placeholder is 16cm x 21.3cm. To optimise screen and desktop printed output, it is recommended that images are saved to 100dpi at these dimensions.
The brand mark on this slide layout is set up at the correct size and position and should not be altered. The date and footer info can be edited across all slides by using the ‘Header and Footer’ settings on the ‘Insert’ ribbon (do not edit these manually on the individual slides).
Advanced Analytics
No ‘a priori’ algorithm - especially for Fraud - because it depends on sample’s information:
Ensemble model: powerful model
Complex data and features
New Tech:
As you are considering ‘Huge’ Data, you need:
Space to store so many information
Power to develop and launch model Real-Time
Big Data Universe:
Sandbox gives you all the space with customizable Cloud Storage
Upload your data and enrich with: Web / text / transactional + Experian Bureau information
Top Analytics tools:
To develop and manage models and results
Store + Tools + Power = Advanced Analytics
Analytics and Data as a Service:
Experian Consultancy to support you in customized model development
Big Data Platform with self service analytics
No internal development, instant access
MVP ready for June/18