Caso de éxito de Implementación del DWH en Compartamos Bancco

1. PAGE 1 l Teradata Magazine l Q3/2010 l ©2010 Teradata Corporation l AR-6187
Through countless stories like Marlene’s,
Banco Compartamos has demonstrated the
transformative effect its unique vision has had
on impoverished communities. More than
a decade ago, the company recognized that
accelerated population growth in Mexico had
surpassed the availability of jobs, leading many
people to develop small businesses to make a
living. In response, it began offering financial
services to low-income entrepreneurs.
The bank provides loans (micro-credits) and
insurance services, including free life insurance
to all clients. Typical loans are about US$500
and are paid off in 16 weeks.“It’s a small
amount of money compared with traditional
products of banking institutions, but that’s why
we are a very different kind of financial institu-
tion,”explains COO Federico Hernandez.
Clients consist of low-income entrepre-
neurs—98% of whom are women—in search
of capital to create a better future for their
families. The clientele includes small busi-
nesses that provide services and produce food,
clothing, and arts and crafts.
Growing Pains
Established in 1990 as a nonprofit, Banco
Compartamos became a financial institution
Small Loans,
Huge
ImpactMicro-financing from Banco Compartamos
empowers individuals to transform
their communities. by Jackie Zack
G
rowing up in southern Mexico, Marlene del Carmen Godoy Gomez
learned to make dresses from her grandmother. When she decided
to start her own dressmaking business, Marlene turned to Banco
Compartamos for credit to purchase thread, buttons, needles and
cloth. As her business grew, she obtained more credit to buy addi-
tional sewing machines, and she began her own line of bags and purses. Eventually
she branched out, opening a cybercafe that offers mobile phone repair services.
“I tell people to get Compartamos credits and to invest in their business,” she says.

2. PAGE 2 l Teradata Magazine l Q3/2010 l ©2010 Teradata Corporation l AR-6187
PhotographybyHectorArmandoHerrera
“The CEO is seeing the success of this
data warehouse project, because we
have the right information at the right
moment, and he has access directly.”
—Federico Hernandez,
COO, Banco Compartamos

3. in 2000. By the time it began operating as a
commercial bank in 2006, it was encountering
significant business challenges. Among the
problems were increasingly high risk of fraud
and less-than-optimal customer service.
To address these issues and create
opportunities, Banco Compartamos began
evaluating data warehouse solutions that
could quickly provide up-to-date informa-
tion for analysis to accelerate fact-based
decision making and reduce processing
time for credit applications.
“We wanted to offer our customers different
products and services, but to do that required
a single, online, integrated, customer view to
better segment customers and to provide them
the right choice,” says Hernandez.
The organization also needed to be able
to predict seasonal product behavior and
profitability, as well as reduce business users’
dependence on IT to develop reports. “One
of the most important objectives was to
have access to the information in the right
moment when we needed it,” Hernandez
recalls. “In the past, we had access, but some-
times we had to wait at least a week to get the
right information.”
Overcoming Obstacles
Ultimately, the bank turned to Teradata.
As part of the initial project, it utilized
Teradata’s visual business discovery and
EDW roadmap to create a visual planning
model and a business plan to illustrate the
concepts and values the EDW would address.
The roadmap enabled the company to under-
stand strategic and operational objectives
and to establish the type of data required to
accomplish those objectives.
“One of the best experiences was that we
made a roadmap to start working together,”
Hernandez says.“This was very important
because we were able to involve the main users
in the project. Once we made specific goals, we
were able to develop the project phases to reach
the end results. It was easier for the IT team
to deliver results to the business areas and was
crucial for acceptance of the project.
“There were other vendors that offered a
variety of solutions, but Teradata had specific
financial and banking models that were
already in place,” he explains.“It enabled us to
adopt the best practices at the beginning with
immediate results that we could present to our
main business units.”
Ready to Roll
With assistance from Teradata Professional
Services consultants, Banco Compartamos
began implementation in September 2007.
“We made the implementation by phases.
This allowed us to prioritize the objectives of
the main users to acquire reachable results,”
says Hernandez.“It was a very good approach
because we were able to align the expectations.”
For starters, data regarding customers,
employees, credit, insurance and risk were
consolidated so the organization could:
> Enhance visibility and provide easier
access to consistent, comprehensive
information and feedback for better
decision making
Provide single-view reports and dash-
boards containing business results and
goal achievements from different lines
of business
Gain comprehensive knowledge of
customers and their financial behavior
Create cost savings in time and people who
had been focused on information consoli-
dation, validation and maintenance
The bank also accelerated analysis of critical
business information, including sales and credit
PAGE 3 l Teradata Magazine l Q3/2010 l ©2010 Teradata Corporation l AR-6187
The company: A micro-finance institution based in Mexico City, Banco
Compartamos focuses on contributing to Mexico’s development by providing finan-
cial services to low-income entrepreneurs.
The challenge: In 2007, the organization
recognized the need to maintain sustainable and
profitable organic growth, quality of assets and
product diversification. However, multiple versions
of information, data inconsistencies and ineffective
distribution inhibited its goals.
The solution: Data from throughout the financial institution was centralized
on an enterprise data warehouse and organized for better integration and analysis.
The results: Banco Compartamos has expanded operations, services and its
clientele. It has grown to serve more than 1.5 million customers, becoming the
largest micro-finance institution in Latin America.
Executive summary
By all accounts the enterprise data
warehouse initiative helped the organi-
zation reach goals that could not have
been achieved before. By the end of
2009, the bank saw:
As a result, Banco Compartamos is now
the largest micro-finance organization
in Latin America.
the payoff
Active clients reach 1.5 million,
up 30%
The average quarterly customer
growth increase by 51%, to
93,764
The average quarterly total loan
portfolio expand to 33.4%
Annual net income jump 33%
over the previous year

4. PAGE 4 l Teradata Magazine l Q3/2010 l ©2010 Teradata Corporation l AR-6187
trends, portfolio risk, profit and loss, and key
performance indicators (KPIs). For example,
it can monitor daily sales KPIs—such as total
number of credits disbursed, loan capital port-
folio, loan average per client, non-performing
loan ratio and credit recovery. This enables the
organization to identify risky customer profiles
based on demographic and behavioral analysis,
resulting in better risk management and a
healthy portfolio.
Additionally, the bank’s commercial
division now has access to unique cus-
tomer information, including general and
demographic data, and customer credit
performance scores. It can perform historical
analysis of payment behavior to set business
rules and parameters while providing fast and
accurate answers whenever needed.
“The CEO is seeing the success of this
data warehouse project, because we have the
right information at the right moment, and
he has access directly. It is the same for the
legal and governmental authorities and the
board of directors,” Hernandez says. “As a
public organization, that is very important
to us.”
The EDW solution has automated the
generation and distribution of 500 daily
reports (formerly weekly) on business results.
These reports are sent to the appropriate
audience—from the board of directors to the
branch managers—many of whom access
them through mobile devices.
Looking to the Future
Having achieved impressive growth in
clients, loan portfolio and net income, Banco
Compartamos is already the largest micro-
finance organization in Latin America. And it
is poised to continue its mission and pursue
plans to expand operations to other countries
for the benefit of the bank, its clients and the
greater community.
“We already have the solution with the
data warehouse to integrate information
if we purchase a financial institution,”
Hernandez notes. “We are able to start think-
ing about the future, and we are prepared to
make this happen.”
Whatever the future brings for Banco
Compartamos, it will stay true to its mission
of enabling entrepreneurs to transform their
communities one micro-loan at a time. T
Jackie Zack is a freelance business, marketing
and technology writer based in Brighton, Mich.
Behind the solution:
Banco Compartamos
Database: Teradata 13
Platform: 3 Teradata data
warehouse
environments—
production, contingency
and development
Users: 10
DBAs: 1
Data model: Logical—Teradata
Financial Services
Logical Data Model
Physical—3rd Normal
Form
Operating System: SUSE Linux 10
Storage: 1,289GB—production,
1,289GB—contingency,
620GB—development
Teradata utilities: Teradata Tools and
Utilities 13
Tools/
applications:
Products from Essbase,
Hyperion Interactive,
Informatica, Microsoft
and Oracle
“As a micro-finance institution, our business is to generate opportunities of
development in communities by providing financial services to the low-economic
segment, allowing our clients to invest in their most important assets—themselves,”
says Federico Hernandez, COO of Banco Compartamos.
The bank has been success-
ful in driving development
in Mexico by generating
social, economic and
human value through
its business model, as
Hernandez explains:
“Social value. Banco
Compartamos promotes
development by providing
financial services to
the greatest number of
people in the shortest
possible time.”
“Economic value. We
have created a profitable
and strong institution in
which private capital may
participate, making the
industry more attractive
for others to compete.”
“Human value. We trust
people, we trust in their
word, their willingness to
succeed, and their ability
to develop their skills. This
is why we promote means
that offer clients and
employees the opportunity
to become better people.”
Making a difference