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Equifax Spark: making smarter decisions together #equifaxspark
Data, analytics and technology for
smarter decision making
Matthieu Philippe Garnier III, SVP Data &
Analytics International, Equifax
CANADA
May 2019
UK
May 2019
INDIA
November 2019
AUSTRALIA
September 2019
CHILE
June 2019
ARGENTINA
September 2019
SPAIN
June 2019
Helping people
live their financial
best.
“Creating music is all about
merging and connecting
sounds
Creating insights is all
about merging and
connecting relevant
data together ”
Our Environment Is Changing Rapidly
COST OF
COMPUTING
AMOUNT AND
AVAILABILITY OF
DATA
SOPHISTICATED
ANALYTICS
TECHNOLOGY
INNOVATION
CONSUMER
EXPECTATIONS
Watch me
SLIDE 4
ACCESS COMPUTE CONSUME
R E P E A T
III T H I N G S
Spouse
Children
Shared
vehicle
Roommate Home sale Shared device Co-workers
SMB owners
Principals
Corporate
linkage
Online content
Auto sale
SLIDE 4
C O N N E C T E D
T H E R E L E V A N T D A T A
CREDIT TRANSACTIONAL UTILITIES
+5%
of Acceptance rate
With a lower
level of risk
And a better
customer experience
Your data is valuable, don’t gift it carelessly
Quality Security Minimisation Retention
GOVERNANCE
S P E E D
S P E E D
BUSINESS
UNDERSTANDING
• Determine
Business
objective
• Assess situation
• Determine data
science goal
• Produce project
plan
DATA
UNDERSTANDING
• Collect initial data
• Describe data
• Explore data
• Verify data quality
DATA
PREPARATION
• Select Data
• Clean Data
• Construct Data
• Integrate Data
• Format data
MODELLING
• Select modelling
technique
• Generate test
design
• Build model
• Assess model.
EVALUATION
• Evaluate results
• Review Process
• Determine next
steps
DEPLOYMENT
• Promote into
production
environment
• Monitor and
maintain
• Produce final
report
• review
Cross Industry Standard Process for Data Mining
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1100110100110
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1100110100110
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1
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1100110100110
0110101010101
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1
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0101101010101
1
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Lots of data
1001101000101
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1100110100110
0110101010101
0101101010101
1
1001101000101
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1100110100110
0110101010101
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1100110100110
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1001101000101
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1001101000101
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1100110100110
0110101010101
0101101010101
1
1001101000101
0101010100111
1100110100110
0110101010101
0101101010101
1
1001101000101
0101010100111
1100110100110
0110101010101
0101101010101
1
1001101000101
0101010100111
1100110100110
0110101010101
0101101010101
1
1001101000101
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1100110100110
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1
Insights
Collection ProcessingFiltering Analyzing
Information is the oil of the 21st
century, and analytics is the
combustion engine.
Peter Sondergaard, Senior Vice President
at Gartner
Machines and
humans are
complementary
Artificial Intelligence
Augmented Prediction
Equifax’s patented
regulatory compliant
machine learning
scoring system
Equifax NeuroDecision® Technology (NDT)
Traditional techniques
9-15% KS Lift
P R E D I C T I O N
HELP PEOPLE LIVE
THEIR
FINANCIAL
BEST
RELEVANT
INFORMATION
SPEED
AUGMENTED
PREDICTION
Thank You
matthieu.garnier@equifax.es

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