3. "crisis has shown
that different
sectors reacted in
different ways to
economic shocks"
Demographic
change open
different markets
to financial
institutions
4. Recent financial
crisis request better
measurement of
credit exposure
Societal dynamics
are opening new
demographics to
financial markets
Migration and
emancipation are
at levels never
seen in the EU
business as usual, yet as never before:
New EU-broad
risk-measure tools
are developed
right now
5. Financial institutions need to
Leverage EU data for own portfolios
Identify and target specific emergent markets
Implement EU directives on financial risk
Financial institutions need to Data Dive
7. data mining
is a vertical
operation:
we know
where the
resource is,
we go there,
we dig, we
get it.
data diving is horizontal:
understanding a situation, offers
solutions by revealing new
connections
8. Data Dive
Understand current data lakes,
design them if needed be
Choose relevant sources of
information, explore them
Visualize and present existing
and hidden relevant relations
Stream data development,
update analyze and report
9. So what does a client gain by Data Dive?
Let's do some diving:
Discovering emerging
markets for financial
services based on a given
region demographics
Crossing potentialities
with actual use of
financial services identify
risks dynamics
10. From available data, I looked into WorldBank microdata and
Fragile States index, from Foreign Policy
World Bank Survey worldwide :
150,000 nationally representative
and randomly selected adults
(age 15+) in over 140 countries.
For 10 years the Fragile States Index,
published by Foreign Policy, has put
countries into perspective by providing an
annual snapshot of their vitality and stability
11. So I dived and I found...
region fragility is correlated with
increased women savings
age and use of financial services
are reversely correlated with
region fragility
Women show significant concern
with trust on financial institutions
12. Financing can grow
with conservative and
gender oriented
products
Youth financing is
risky under
regional economic
distress
13. Now consider:
This is analysis from 80+ variables from worldwide
individual surveys and from a broad socio economical
index.
Each financier has data from own clientele AND there is
detailed socio economical data available at European level
(maintained by Eurostat, client of Sogeti)
Combining that with Data Dive, we stand to gain emergent
markets for our clients plus the relevant risks descriptions
14. What could bring Microsoft here?
(Azure Event Hubs->stock market->real time analytics)
- a platform to manage the information
- a set of tooling that process streaming data
15. Shall we make a Azure demo? With stock market data in?
