Manufacturing and supply chain organizations must not only optimize resources and minimize waste, but also predict future growth and demand. Event-handling and transactional systems cannot merge data into an integrated source of business intelligence; organizations need adequate data management, forecasting, optimization and modeling techniques to bring disparate data together and gather useful intelligence from it. With key performance indicators and process metrics that span functional areas, managers and other stakeholders can see changes and trends as they occur and make business decisions based on those indicators.

Developed by SAS, the Comprehensive Credit Assessment Framework (CCAF), is a unique rating system that extends existing credit scoring to embrace all relevant factors and business context so that lenders can classify credit risk and decide all transactions in a more effective, transparent and forward-looking manner. CCAF's systematic segmentation approach has implications for both intervening in the mortgage crisis and preventing future financial disruption.

The secret to consistently beating both profitability goals and competitors in the banking industry may sound simple — just understand your customers better and faster than anyone else, and then target them more effectively than anyone else. But with the scope and scale of marketing today, delivering meaningful, personal service to customers is a difficult task.

This white paper presents a solution to these challenges by discussing the evolution of analytics-based marketing automation and then giving a detailed look at how the latest generation of marketing automation supports a closed-loop marketing process that feeds back into itself for continuous learning and improvement. You will also learn about the critical technologies that enable effective marketing automation.

The current regulatory environment in financial services has left most institutions in need of a more effective approach to the detection and prevention of money laundering. This white paper discusses some relevant regulations, explores current trends in anti-money laundering (AML) technology strategy and proposes ways to achieve competitive advantage through AML solutions.

In September 2005, the Federal Reserve Board will disclose pricing data on higher cost loans with respect to applicant race, ethnicity, gender and income status. This new pricing information, in the officially filed HMDA data, will be used to monitor mortgage lending practices and assist in identifying possible discriminatory pricing patterns.

This paper presents a systematic approach for statistical analysis of HMDA pricing data. You will learn how an effective and powerful method to detect statistically significant pricing disparities amongst various groups is beneficial for lending institutions. The method described in this paper can be applied to HMDA filing data and a broader set of information including additional applicant and transaction information, credit bureau data, and credit underwriting and pricing policies.

Data management is a critical component of any enterprise risk management (ERM) system. A bank's approach to data management should be holistic and unified, with a platform that is scalable, open and capable of supporting the needs of multiple risk management functions. This white paper discusses the various components required for successful ERM and explores their cumulative benefits as part of a unified structure.

As part of a series that highlights technologies related to best practices in Enterprise Risk Management (ERM), this paper discusses the importance of reporting as part of an ERM framework. A sound reporting framework allows a bank to monitor all the risks pertaining to its portfolio (e.g., market, credit, liquidity, etc.) and intervene if necessary, as well as ensure that all decision makers have the intelligence needed to determine the appropriate course of action on the daily activities of the bank. This paper details the aspects of the risk management process that reporting should cover as part of a sound enterprise risk management platform.

Understanding customers' credit scores is essential for banks, and there is much to be gained by conducting credit scoring activities in-house, including consistency, accuracy, faster integration of new models, and privacy.

Read this white paper to learn how SAS helps build and maintain their own credit scoring function. The paper discusses the development and deployment of scoring models, as well as the process of monitoring those models for improvement.

This white paper discusses the nature of business risk, from credit risk to market risk and operational risk, primarily in the context of the banking industry. The paper provides a history of the Basel accords, outlining in detail the implications of Basel II on risk management. You will also learn about the processes and systems  required for implementing internal ratings-based approaches to risk management.

Credit scoring models can assist bankers with credit decisions and can enhance compliance with fair lending laws and regulations. This white paper examines the current deployment of credit scoring models, the challenges banks often encounter and future credit scoring trends. You will learn about common types of models, how to measure their performance and the impact of regulations on credit scoring.

Banks can no longer view their customers from the perspective of specific products or a snapshot in time. To maximize lifetime profitability from valued customers, they must abandon the traditional silo mindset and work to gain a comprehensive view of customers across products, channels and time.

This white paper focuses on the analytic capabilities of SAS Banking Intelligence Solutions, including customer segmentation, cross-selling and up-selling, and customer retention. The paper also includes a brief discussion of the open, flexible architecture on which these solutions are built — including analytic models built specifically for banks.

Banks and financial institutions are recognizing that they can no longer look at a consumer from a specific product or snapshot perspective but must encompass the entire customer relationship to fully understand a client's profitability. It is now necessary to invest in a more customer-centric vision.

This white paper explores the benefits of customer relationship management (CRM) in the banking industry. By reading about failed business scenarios that could have been prevented with the right CRM solution, you will learn how banks can shift the focus of their business to maximize customer profitability. The paper also offers six business imperatives, and their implications, for a successful CRM strategy.

The federal government has enacted laws and standards making discrimination in lending illegal. To help financial lenders improve the accuracy of their disparate treatment testing evaluations, SAS has developed a methodology called the Dynamic-Conditional Process (DCP). This methodology dynamically classifies lending decision factors and captures variations in policy thresholds among loan products, markets and/or programs. Read this white paper for an introduction to the DCP methodology.

Financial institutions must strengthen their anti-money laundering programs to identify and report suspicious activity, meet new regulatory mandates and manage compliance risk. Read this white paper to learn how SAS Anti-Money Laundering can help you detect unknown behavior patterns, gain a clearer view into transactions and report suspicious activity.

Many providers are struggling with the increasing complexity and cost of networks, service choices and business processes. Read this white paper to learn how a customer value optimization approach can help service providers understand how customers engage with the company, identify ways to reduce churn, and systematically record customer management activities and results. You will also learn how a customer value optimization approach transformed the profit picture for a top-tier wireless carrier.

The secret to consistently beating both profitability goals and competitors in the telecommunications industry may sound simple — just understand your customers better and faster than anyone else, and then target them more effectively than anyone else. But with the scope and scale of marketing today, delivering meaningful, personal service to customers is a difficult task.

This white paper presents a solution to these challenges by discussing the evolution of analytics-based marketing automation and then giving a detailed look at how the latest generation of marketing automation supports a closed-loop marketing process that feeds back into itself for continuous learning and improvement. You will also learn about the critical technologies that enable effective marketing automation.

Deregulation and competition have many telecommunications providers struggling to sustain or restore profitability. This white paper outlines ways that activity-based management reflects the actual costs involved in attracting, supporting and keeping a customer. You will learn about the shift from commodities to customers in the marketplace and the importance of customer profitability as a measure of economic value.

This white paper discusses multi-causal analysis as a way of integrating consumer demand information with shipment forecasts to capture the impact of marketing activities on shipments. With improvements in technology, data collection, data storage and analytical knowledge, CPG companies are now looking to integrate consumer demand with their shipment forecasts to capture the impact of marketing activities on shipments. As a result, multi-tiered causal analysis (MTCA) is receiving renewed interest. This paper explains the MTCA process, including an anonymous beverage industry case study that describes the process used to develop and link the Consumer Demand and Factory Shipment models. The by-product of this process was a more accurate forecast that reflected the company's marketing investment strategy.

A key element of performance management is to use fact-based data, for analysis and decision support. For this reason, activity-based cost management (ABC/M) is one of the more important methodologies in performance management. This paper discusses the pressures for improved cost accounting in government, explains why there is some resistance to ABC/M and describes some successful applications of ABC/M in the public sector to date.

This white paper offers a framework that is based on the notion of four pillars. These four pillars (catalyzing conversations, inspiring innovation, championing insight and fostering leadership) are foundation activities that position educators to thoughtfully and more nimbly build for an increasingly dynamic future.

This white paper explores the concept of institutional effectiveness in higher education and outlines three steps to implementing it successfully. First, an educational organization must define institutional effectiveness for itself. Next, people, culture, technology and processes must be aligned. Finally, the institutional effectiveness message must be communicated to external audiences. Ultimately, this paper describes new technologies that help higher education institutions identify needs, align resources and communicate more effectively.

There is an abundance of data in today's education system. However, that data is often scattered across different databases and is difficult to access or use for decision making. This white paper explores how educational institutions can use SAS software for performance management. You will learn about the components of data driven performance management and how they bring together data on student achievement, finances, human resources, facilities and transportation to provide a clear picture of your organization.

A key element of performance management is to use fact-based data, for analysis and decision support. For this reason, activity-based cost management (ABC/M) is one of the more important methodologies in performance management. This paper discusses the pressures for improved cost accounting in government, explains why there is some resistance to ABC/M and describes some successful applications of ABC/M in the public sector to date.

To support alignment and drive cultural change (including accountability and collaboration) in government, SAS recommends three key steps in this paper: 1) See it: Get an integrated, organizationwide view of all factors related to performance 2) Manage it: Align resources, strategy, finances, programs/initiatives and activities to support the agency's mission 3) Improve it: Drive results with intelligence, collaboration and accountability.

Natural resources agencies in the Americas must understand how to enhance the effectiveness of programs and policies while maintaining an adequate level of funding. This white paper describes how analytics can provide optimized solutions to these challenges. The paper first describes the use of analytics in resource management, education and CRM, operations and performance management. Ultimately, you will learn about SAS' analytic capabilities for natural resource agencies.

Read this white paper to learn how SAS helps governments reduce the taxpayer burden for fraud, error and abuse, ultimately allowing governments to better fund efforts for improving the lives of citizens. This paper focuses on three key areas: improper payments, purchase card fraud and Medicare/Medicaid fraud. The paper discusses how governments can develop anti-fraud strategies to improve collection rates and reduce improper payments, fraud, waste and abuse.

To meet mounting demand for service, the United States court system must use modern technologies to guide decision making, the development of public policies and communication with citizens. This white paper argues that technology, when properly conceived and implemented, is the critical component that drives opportunities for U.S. courts to demonstrate improvements in efficiency, effectiveness, communication, interagency collaboration and customer service.

This white paper describes ways the healthcare industry can use the data at its disposal to evolve toward more personalized medicine. In particular, you will learn about the promising possibilities of electronic medical records and powerful analytic solutions for healthcare providers from SAS. The paper also includes some real-life situations in which SAS analytics are being used to improve patient care and research.

It's no secret: fraud drains profits, and lax fraud management practices put a company at a competitive disadvantage. Unfortunately, there is no one bulletproof fraud-detection technique. However, multiple techniques working in concert can be very effective for detecting both opportunistic and professional/organized fraud. This paper briefly traces the evolution of fraud detection approaches, and closely examines eight techniques that insurers should include in their arsenal of anti-fraud strategies.

As in other sectors of the economy, the insurance industry has experienced many changes in information technology. Advances in hardware, software, and networks have offered benefits, such as reduced costs and time of data processing as well as increased potential for profit. Competition has also increased, making effective IT solutions even more necessary.

This paper discusses how insurance companies can benefit from modern data mining methodologies, which help companies reduce costs, increase profits, retain current customers, acquire new customers, and develop new products. You will learn about how to implement data mining projects and about changes in U.S. legislation that affect insurance firms. A list of recommended reading is also included.

Many packaged intelligence solutions today are stand-alone systems that do not integrate with existing business intelligence (BI) systems. They also offer little in the way of deep industry analytics. What companies require is a means of rapidly extending BI investment through packaged solutions that offer a deep vertical understanding and can be customized, integrated with existing systems and implemented quickly.

This white paper offers a detailed look into the Intelligence Architecture and prebuilt models that comprise SAS Insurance Intelligence Solutions. The paper first gives an overview of the need for integrated business intelligence and then looks more closely at the technology behind SAS industry intelligence solutions. The last part of the paper discusses the prebuilt models included with SAS Insurance Intelligence Solutions.

Because the insurance industry relies so heavily on predicting future costs, more and more insurers are using predictive modeling technology to make better predictions about risks and expenses. This white paper discusses the uses of predictive modeling in each of the four primary business areas of the insurance industry: actuarial, marketing, underwriting and claims. Ultimately, the paper aims to provide a basic understanding of the industry's current modeling strategy.

Analysis of microarray data is used extensively to search for and discover clues to the molecular causes of important biological phenomena. As microarrays increase in popularity, the demand has grown for biologist-friendly applications that simplify the quality-control and analysis processes and present useful graphical representations of high-dimensional data sets. Expression Console, recently introduced by Affymetrix, provides a simple interface for normalization and summarization of data from Affymetrix CEL files to produce CHP files for further analysis. This paper explains how the Affymetrix Expression CHP Wizard in JMP Genomics automates many steps in a comprehensive microarray analysis workflow by combining an interactive interface with standard JMP Genomics tools.

Pharmaceutical sales and marketing professionals face a unique set of challenges in their efforts to boost sales enough to recoup staggering development costs. This white paper explores the possibilities of data integration and advanced analytics in marketing and selling pharmaceuticals. The paper also includes a list of key analytical techniques and several industry case studies.

Release 3.1 of JMP Genomics from SAS introduces copy number-specific functionality, giving users the ability to easily assess copy number differences across experimental groups. In this white paper, we will review a simple JMP Genomics workflow to determine differences in copy number and allele frequencies. These workflows have been tested on all Affymetrix Genome-Wide SNP arrays, including the Mapping 500K, SNP 5 and SNP 6 arrays.

Release 3.1 of JMP Genomics software from SAS adds specific menu items for copy number analysis. In this white paper, we will review a simple JMP Genomics workflow to determine differences in copy number or B-allele frequencies. These workflows have been tested on Illumina DNA Analysis BeadChips, including the Human1M DNA Analysis BeadChips.

This document, together with the on-demand Web training session, is intended to give existing and new customers and evaluators a brief overview of the JMP Genomics solution and an introduction to some of the new features in JMP Genomics 3.2. For more detailed information about specific processes, please consult the JMP Genomics User Guide and JMP Genomics User Guide Supplement, found under Genomics > Documentation and Help.

This white paper discusses multi-causal analysis as a way of integrating consumer demand information with shipment forecasts to capture the impact of marketing activities on shipments. With improvements in technology, data collection, data storage and analytical knowledge, CPG companies are now looking to integrate consumer demand with their shipment forecasts to capture the impact of marketing activities on shipments. As a result, multi-tiered causal analysis (MTCA) is receiving renewed interest. This paper explains the MTCA process, including an anonymous beverage industry case study that describes the process used to develop and link the Consumer Demand and Factory Shipment models. The by-product of this process was a more accurate forecast that reflected the company's marketing investment strategy.

This paper introduces a Process Analytical Technology (PAT) maturity model that maps various tools and methodologies that can help you understand the drivers of product quality and, as a result, reduce defects. In particular, you will learn about pragmatic data analysis and reporting approaches that improve mainstream users' understanding of manufacturing processes.

Manufacturing and supply chain organizations must not only optimize resources and minimize waste, but also predict future growth and demand. Event-handling and transactional systems cannot merge data into an integrated source of business intelligence; organizations need adequate data management, forecasting, optimization and modeling techniques to bring disparate data together and gather useful intelligence from it. With key performance indicators and process metrics that span functional areas, managers and other stakeholders can see changes and trends as they occur and make business decisions based on those indicators.

The secret to consistently beating both profitability goals and competitors may sound simple - just understand your customers better and faster than anyone else, and then target them more effectively than anyone else. But with the scope and scale of marketing in the retail industry, delivering meaningful, personal service to customers is a difficult task.

This white paper discusses the evolution of analytics-based marketing automation and then looks briefly at the critical technologies that support the latest generation of marketing automation for retailers: an enterprise architecture, sophisticated analytics, capabilities that give more control to business users and the ability to extend into other areas of marketing.

Every day, retail organizations ask two related questions: 1) How can we maximize revenues from our product offerings, retail outlets and customer relationships? 2) How can we maximize profitability without eroding the quality of our products, the shopping experience or customer satisfaction?

Read this white paper to find out how advanced analytics, including statistics, data mining, optimization and forecasting, give retailers a robust way to understand what is happening and what could happen in their business with quantified accuracy. You will learn about specific applications for analytics in marketing, merchandising, operations and performance management.

Competition in retail is ever more intense as companies face slow domestic growth, rapid increases in selling space, and new and innovative channels and formats. To achieve merchandising dominance, it is critical to improve core merchandising processes.

This white paper will give you a head start in evaluating the potential of revenue optimization to deliver significant, sustainable profit improvements. You will learn about the key components of revenue optimization, the steps required to implement such a system and the lessons learned by several companies who have already implemented this technology.

This white paper looks at a proof-of-value (POV) process that a pragmatic organization embarked on with SAS to better understand how SAS forecasting and inventory optimization could improve the results from an already installed enterprise resource planning system. It not only shows surprising results, it provides a layman's pathway to attaining those results.