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Data and Analytics in FI
Abhisek Ghosh
Senior Director, VISA Inc.
In the last decade…
2010 2015 2020
Enterprise VoIP Social Media Sensors/Devices
90% of the world’s
data was created in
last 2 years
In 60 seconds…
4.1M “likes” in FACEBOOK
350K feeds in TWITTER
300h uploads in YOUTUBE
51K app downloads from APPLE
1M videos played in VINE
1.7M “likes” in INSTAGRAM
77Kh of video in NETFLIX
285K snaps in SNAPCHAT
From data to intelligence…
ACQUIRE
DATA
1
DEVELOP
ANALYTICS
3
IMPROVE
5
CLEAN
DATA
2
TEST
4
Data integration and
data management
Data analytics
Integration with
strategy and business
The Analytics Pyramid…
Descriptive
WHAT HAPPENED?
• Activities
• Results
Diagnostic
WHY IT HAPPENED?
• Exploratory analysis
• Correlations
Predictive
WHAT’S NEXT?
• Models/Scores
• Forecasts
Prescriptive
HOW TO MAKE IT HAPPEN?
• Recommendations
• Prioritizations
Easy/Rudimentary
Complex/Effective
Hindsight
Foresight
Insight
Customer life cycle…
Acquire
• Profile
• Scorecard
• Risk Score
Activate
• Early month on
book
• Segmentation
Grow
• Marketing
Campaigns
• Response Models
• Upgrade
• Behaviour Score
Retain
• Attrition Models
• Reactivation
Models
RISK
Application
Score
Behaviour
Score
AML PD/LGD
Collection
Score
Going back, future outlook…
2010 2015 2020
Enterprise VoIP Social Media Sensors/Devices
9 : 1
0.5 : 9.5
1 : 9
0.5 : 9.5
Structured : Unstructured
5% : 95%
Looking back, thinking forward…
ACQUIRE
DATA
1
DEVELOP
ANALYTICS
3
IMPROVE
5
CLEAN
DATA
2
TEST
4
Data integration and
data management
Data analytics
Integration with
strategy and business
ACT ADJUST ADOPT ADAPTALIGN
THANK YOU

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Data analytics in FI

  • 1. Data and Analytics in FI Abhisek Ghosh Senior Director, VISA Inc.
  • 2. In the last decade… 2010 2015 2020 Enterprise VoIP Social Media Sensors/Devices 90% of the world’s data was created in last 2 years
  • 3. In 60 seconds… 4.1M “likes” in FACEBOOK 350K feeds in TWITTER 300h uploads in YOUTUBE 51K app downloads from APPLE 1M videos played in VINE 1.7M “likes” in INSTAGRAM 77Kh of video in NETFLIX 285K snaps in SNAPCHAT
  • 4. From data to intelligence… ACQUIRE DATA 1 DEVELOP ANALYTICS 3 IMPROVE 5 CLEAN DATA 2 TEST 4 Data integration and data management Data analytics Integration with strategy and business
  • 5. The Analytics Pyramid… Descriptive WHAT HAPPENED? • Activities • Results Diagnostic WHY IT HAPPENED? • Exploratory analysis • Correlations Predictive WHAT’S NEXT? • Models/Scores • Forecasts Prescriptive HOW TO MAKE IT HAPPEN? • Recommendations • Prioritizations Easy/Rudimentary Complex/Effective Hindsight Foresight Insight
  • 6. Customer life cycle… Acquire • Profile • Scorecard • Risk Score Activate • Early month on book • Segmentation Grow • Marketing Campaigns • Response Models • Upgrade • Behaviour Score Retain • Attrition Models • Reactivation Models RISK Application Score Behaviour Score AML PD/LGD Collection Score
  • 7. Going back, future outlook… 2010 2015 2020 Enterprise VoIP Social Media Sensors/Devices 9 : 1 0.5 : 9.5 1 : 9 0.5 : 9.5 Structured : Unstructured 5% : 95%
  • 8. Looking back, thinking forward… ACQUIRE DATA 1 DEVELOP ANALYTICS 3 IMPROVE 5 CLEAN DATA 2 TEST 4 Data integration and data management Data analytics Integration with strategy and business ACT ADJUST ADOPT ADAPTALIGN