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Innovation Bootcamp 
Commercial Banking

Pascal Spelier, October 9th 2015
Predictive Banking, Two Steps Ahead
2	
Customer
Distribution / 
Front Office
Manufacturing / 
Back Office
Market Infrastructure
Individual
Institution
Investi...
3	
Customer
Distribution / 
Front Office
Manufacturing / 
Back Office
Market Infrastructure
Individual
Institution
Investi...
4
5	
Predictive
Services
Let’s talk about
big data
6	
715 MB
DNA information in a
sperm cel
7	
105 million GB
in an ejaculation
8
9	
95% of current 
Big Data is created in the
last 3 years
Volume
 Velocity
10	
Gartner
Hypecycle
11	
Big Data no
longer a hype
12	
The new technology
gold rush: data
13	
It starts with…
datamining
14	
From data to information,
From information to intelligence
15	
Intelligence is value
16
17	
Deep dive in two big data opportunities
Cross channel ‘relevancy engine’
Real-time credit risk management
18	
Deep dive in two big data opportunities
Cross channel ‘relevancy engine’
Real-time credit risk management
19	
Forecasts project the past
into the future. Thats reasonable
when nothing changes.
20	
“But don’t be a Turkey!”*
1000 and 1 Days in the Life of a Thanksgiving Turkey
*) Nassim Nicolas Taleb
21	
VW scandal:
Final bill could reach
$55 billion
	
Did you predict this ‘black swan’?
22	
It’s about real-time data
23	
FICO Credit Scores:
15-20 variables
ZestCash:
Thousands of indicatorsVS
24	
“All Data is Credit Data,
we just don’t know 
how to use it yet”
Douglas	Merrill	–	CEO	ZestFinance	
	(former	Google	CI...
25
26
27
28
29
30
31
32	
Watson 
has the cognitive capacity 
to analyse unstructured data 
and make an immediate, 
rational assessment of risk
33	
Deep dive in two big data opportunities
Cross channel ‘relevancy engine’
Real-time credit risk management
34	
Cross-channel ‘Relevancy Engine’
Observation
(data &
information)

Trigger
(right message,
right channel)
Interpretati...
35	
Observations…
… in the de customer journey
(also outside the borders of the organization!)

… in processes

… in trans...
36	
Observation
 Interpretation
 Message
 Reaction
Via an API with the
accounting software
the bank has access
to the real...
37
38
39
40	
Observation
(data &
information)

Trigger
(right message,
right channel)
Interpretation
(intelligence)
Reaction
(call ...
41	
richness
 -
 +
confidential
 -
 +
urgent
 later
 now 
relevant
 1-n 
 1-1
intrusive
 -
 +
archive
 -
 +
richness
 -
 +...
42
43	
Privacy as a
currency
44	
Source: online survey Edelman ‘Brandshare’
15.000 respondents in 12 countries
Privacy as a currency
45	
Awareness
 Orientation
 Buy
 Receive
 Use
 Service
Advice
 Retention
Prerequisites for creating predictive
services in...
46
47	
Pascal	Spelier	
	
Managing	Consultant	
Digital	Customer	Experience	|	
Banking	&	Insurance	
	
Reykjavikplein		1,	
Utrec...
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20151009 presentation predictive banking

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During the Innovation Bootcamp of ING Commercial Banking I gave this inspirational presentation about 'Predictive Banking' - How can you use (big) data analytics for improving your products and services. The video of this presentation can be watched on www.finno.nl/videokanaal or https://www.youtube.com/watch?v=R1-vAEU4s5E

20151009 presentation predictive banking

  1. 1. Innovation Bootcamp Commercial Banking Pascal Spelier, October 9th 2015 Predictive Banking, Two Steps Ahead
  2. 2. 2 Customer Distribution / Front Office Manufacturing / Back Office Market Infrastructure Individual Institution Investing/ WealthMgmnt Personal Savings Lending Capital Raising Source: based on illustration ‘Financial Services Value Chain Supermarket Age’ by Doug Nelson Payments = flow of capital Current value chain is under pressure…
  3. 3. 3 Customer Distribution / Front Office Manufacturing / Back Office Market Infrastructure Individual Institution Investing/ WealthMgmnt Personal Savings Lending Capital Raising Source: based on illustration ‘Financial Services Value Chain Next Gen’ by Doug Nelson Payments …Financial services unbundled and revisited Independent, digital front ends API-driven middle- and back office Electrification of market infrastructure Independent, digital front ends and middle- and back office
  4. 4. 4
  5. 5. 5 Predictive Services Let’s talk about big data
  6. 6. 6 715 MB DNA information in a sperm cel
  7. 7. 7 105 million GB in an ejaculation
  8. 8. 8
  9. 9. 9 95% of current Big Data is created in the last 3 years Volume Velocity
  10. 10. 10 Gartner Hypecycle
  11. 11. 11 Big Data no longer a hype
  12. 12. 12 The new technology gold rush: data
  13. 13. 13 It starts with… datamining
  14. 14. 14 From data to information, From information to intelligence
  15. 15. 15 Intelligence is value
  16. 16. 16
  17. 17. 17 Deep dive in two big data opportunities Cross channel ‘relevancy engine’ Real-time credit risk management
  18. 18. 18 Deep dive in two big data opportunities Cross channel ‘relevancy engine’ Real-time credit risk management
  19. 19. 19 Forecasts project the past into the future. Thats reasonable when nothing changes.
  20. 20. 20 “But don’t be a Turkey!”* 1000 and 1 Days in the Life of a Thanksgiving Turkey *) Nassim Nicolas Taleb
  21. 21. 21 VW scandal: Final bill could reach $55 billion Did you predict this ‘black swan’?
  22. 22. 22 It’s about real-time data
  23. 23. 23 FICO Credit Scores: 15-20 variables ZestCash: Thousands of indicatorsVS
  24. 24. 24 “All Data is Credit Data, we just don’t know how to use it yet” Douglas Merrill – CEO ZestFinance (former Google CIO)
  25. 25. 25
  26. 26. 26
  27. 27. 27
  28. 28. 28
  29. 29. 29
  30. 30. 30
  31. 31. 31
  32. 32. 32 Watson has the cognitive capacity to analyse unstructured data and make an immediate, rational assessment of risk
  33. 33. 33 Deep dive in two big data opportunities Cross channel ‘relevancy engine’ Real-time credit risk management
  34. 34. 34 Cross-channel ‘Relevancy Engine’ Observation (data & information) Trigger (right message, right channel) Interpretation (intelligence) Reaction (call to action)
  35. 35. 35 Observations… … in the de customer journey (also outside the borders of the organization!) … in processes … in transactions … in the context
  36. 36. 36 Observation Interpretation Message Reaction Via an API with the accounting software the bank has access to the real-time financials, including rolling forecast of Company X. The financials indicate that the agreed overdraft limit will be exceeded within a few weeks.. Based on a borrowing base related to outstanding debtors and current ratio’s Company X is eligible for an extra facility. The CFO of Company X receives an alert on his smartphone with a binding offer for an extra facility. The CFO has the possibility to accept the offer. He also has also the possibility to contact his relationship banker via (video)chat. Better services & more sales with relevant & personal messages
  37. 37. 37
  38. 38. 38
  39. 39. 39
  40. 40. 40 Observation (data & information) Trigger (right message, right channel) Interpretation (intelligence) Reaction (call to action) Cross-channel ‘Relevancy Engine’
  41. 41. 41 richness - + confidential - + urgent later now relevant 1-n 1-1 intrusive - + archive - + richness - + confidential - + urgent later now relevant 1-n 1-1 intrusive - + archive - + Message Channel Match Find the ideal match between message and channel
  42. 42. 42
  43. 43. 43 Privacy as a currency
  44. 44. 44 Source: online survey Edelman ‘Brandshare’ 15.000 respondents in 12 countries Privacy as a currency
  45. 45. 45 Awareness Orientation Buy Receive Use Service Advice Retention Prerequisites for creating predictive services in commercial banking 360° customer view (Social-CRM) Workflow management Social listening / external data sources Datawarehouse / realtime data Big data analytics / predictive modelling Digital marketing- & campaigns (inbound)
  46. 46. 46
  47. 47. 47 Pascal Spelier Managing Consultant Digital Customer Experience | Banking & Insurance Reykjavikplein 1, Utrecht, The Netherlands Mobile:+31 (0) 6 53 29 90 17 pascal.spelier@capgemini.com Thank you! @spelier www.slideshare.net/pascal.spelier www.linkedin.com/in/pascalspelier
  • VenkatVallabaneni1

    Sep. 28, 2016
  • AdityaBandyopadhay

    Feb. 12, 2016
  • eurecan

    Jan. 15, 2016
  • PascalHerijgers

    Dec. 3, 2015

During the Innovation Bootcamp of ING Commercial Banking I gave this inspirational presentation about 'Predictive Banking' - How can you use (big) data analytics for improving your products and services. The video of this presentation can be watched on www.finno.nl/videokanaal or https://www.youtube.com/watch?v=R1-vAEU4s5E

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