Explore resources related to banking analytics.
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White Paper
Scenario-Based Risk Management: Overcoming the ChallengesAs regulatory stress test regimes mature, financial institutions are looking for ways to harness investments they made in stress testing programs to gain additional business value.
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White Paper
Artificial Intelligence in Banking and Risk ManagementGlobal Association of Risk Professionals (GARP) and SAS survey drew more than 2,000 responses from across the financial services industry to answer questions about the current and future state of AI in risk.
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Article
IFRS 9 and CECL: The challenges of loss accounting standardsThe loss accounting standards, CECL and IFRS 9, change how credit losses are recognized and reported by financial institutions. Although there are key differences in the standards for CECL (US) and IFRS 9 (international), both require a more forward-looking approach to credit loss estimation.
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White Paper
Fighting Insurance Application Fraud Learn about the advantages of using analytics-driven methods for authenticating applicants to reveal customer gaming, agent gaming and potential future claims fraud.
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Article
Retail cyber risk toleranceManage your data assets just as you would any of your physical assets by putting security plans in place for any and all contingencies.
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Customer Story
Nationwide reduces fraud losses by 75%The world's largest building society chose SAS to lower its fraud losses - it realized a reduction of 75%.
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Article
Managing fraud risk: 10 trends you need to watchSynthetic identities, credit washing and income misrepresentation – these are just some of the trends to watch if you’re trying to understand how to manage fraud risk. Find out what’s on the top 10 list of trends according to experts like Frank McKenna and Mary Ann Miller.
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Article
CECL: Are US banks and credit unions ready?CECL, current expected credit loss, is an accounting standard that requires US banking institutions and credit unions to estimate life-of-loan losses at origination or purchase.
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Customer Story
Making faster, better lending decisionsLocal Government Federal Credit Union sees efficiency gains with SAS.
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White Paper
Banking Application Fraud: Enemy at the GatesFind out how you can connect the dots from day one by creating multiple levels of detection that use different analytical techniques to identify both known and unknown patterns, yet one that can evolve and adapt with time.
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Article
Four focus areas for successful stress testingStress testing is not new to the risk world. But the increased complexity, expected frequency and firm-wide nature of scenarios present new challenges. That being said, to deliver a successful stress testing program, there are four key areas you should address.
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Analyst Report
Chartis RiskTech Quadrant for Model Risk Governance Solutions, 2019 -
Article
How to uncover common point of purchaseBanks that want to stay ahead of CPP and contain the costs of fraud need to implement advanced anti-fraud techniques.
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White Paper
Analytics Platform and Program: Keys to Success for Regulatory Compliance in Financial ServicesAdvanced analytics is at the heart of regulatory compliance processes in financial services.
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Article
Situational awareness guides our responses – routine to crisisMany circumstances call for situational awareness – that is, being mindful of what’s present and happening around you. The COVID-19 pandemic heightened this need, as leaders across industries used analytics and visualization to gain real-time situational awareness and respond with fast, critical decisions.
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Article
Reducing the CCAR pain Theoretically, CCAR submissions can be developed and submitted using your existing risk and finance infrastructure. But there are some challenges to that approach. An analytic solution that is built to facilitate collaboration between risk and finance can produce some significant technical and business benefits.
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Analyst Report
Standard Chartered Bank: Turning Stress Testing from Compliance Tool to Competitive AdvantagePartnering with SAS, Standard Chartered Bank bulit a robust stress testing platform. It started out as a tool for regulatory compliance and was expanded for assessing the effect of crsis scenarios on its future P&L and balance sheet. The bank has migrated this Scenario-based Analytics Platform to a centralized and more powerful second generation, and SAS is a key technology component in the solution.
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White Paper
CECL: Don't Neglect the FundamentalsFirms that proactively implement a CECL process that is controlled, efficient, collaborative and sustainable will find themselves with a competitive advantage over time. This paper discusses the long-term benefits of this holistic approach.
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E-Book
Adapting to the New Age of Risk AnalyticsRapid advancements in technology are leading to a new age of risk analytics. The availability of commercial and open source software – coupled with significantly improved integration using industry standard tools – has made analytics more user friendly, expanding its reach to a broader range of business professionals.
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White Paper
The Evolution of AnalyticsLearn about modern applications for machine learning, including recommendation systems, streaming analytics, deep learning and cognitive computing. And learn from the experiences of two companies that have successfully navigated organizational and technological challenges to adopt machine learning and embark on their own analytics evolution.
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Article
Top 5 prepaid card fraud scamsThe margin for prepaid cards is slim, so it's particularly important to root out the scams. Here are some tips for combating and mitigating prepaid card fraud.
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Analyst Report
Chartis FinTech Quadrant for CECL Technology Solutions 2018This Chartis research paper covers the FinTech Quadrant for CECL Technology Solutions for 2018.
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Analyst Report
Chartis RiskTech Quadrant: Technology Solutions for Credit Risk 2.0 (Banking Book)This research paper is based on material
originally published in the Chartis Research report
Technology Solutions for Credit Risk 2.0: Vendor
Landscape, 2019.
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Analyst Report
SAS is a Leader in The Forrester Wave™: Real-Time Interaction Management, Q4 2020Forrester names SAS a Leader in The Forrester Wave™: Real-Time Interaction Management, Q4 2020.
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Customer Story
Accelerating the evolution of risk analyticsRaiffeisenlandesbank Niederösterreich-Wien AG gains speed and accuracy with SAS High-Performance Risk.
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White Paper
Migrating Analytics to the Cloud: It’s About TimeIn this paper, SAS and the International Institute for Analytics (IIA) explore how to maximize the performance and value of analytics in the cloud, weigh the options, and choose the right approach to migration.
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Customer Story
Thai bank safeguards customers while managing fraud detection in real timeKrungsri Consumer uses SAS® Fraud Management to find fraud faster and reduce revenue losses.
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Customer Story
A new banking philosophy for enhanced customer loyaltyData-driven decisions help Royal Bank of Scotland transform its organizational processes, improve employee engagement and deliver excellent customer service.
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White Paper
The Future of Model Risk Management for Financial Services FirmsBanks have been using credit scoring models for decades, but since the financial crisis of 2008, regulators have formalized the discipline of model risk management (MRM), driving the need for more rigorous, enterprise-level model information management. Regulators now want to evaluate bank models to access their trustworthiness – not blindly accept the numbers they generate.
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Article
AI in banking: Survey reveals factors for successWhat do banking executives report about their experiences with AI? Where are they focusing today? What’s working? What are their plans for the future?
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White Paper
Detect and Prevent Identity Theft The explosion in e-commerce and online account opening has created new convenience and choice for consumers. At the same time, large-scale data breaches have created new opportunities for fraudsters, fueling an 8-percent increase in identity theft in a single year. Find out how to fight back, without hindering your good customers.
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White Paper
Anti-Fraud Technology As criminals find new ways to exploit technology and target potential victims, anti-fraud professionals must adopt new technologies to effectively navigate the evolving threat landscape.
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White Paper
Leveraging Analytics to Combat Digital Fraud in Financial OrganizationsInternational Institute for Analytics summarizes key questions and answers about financial fraud in the digital age.
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Article
4 strategies that will change your approach to fraud detectionTechnology advances are giving financial institutions a better arsenal than ever for fraud detection. Take a look at four ways to turbocharge your defenses.
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E-Book
Making Sense of AIThis e-book explores the current boundaries of AI, as well as the many ways that modern AI applications can improve our understanding of the world and enable us to make better, faster decisions.
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E-Book
Fight Fraud and Financial Crimes With Analytics and Artificial IntelligenceFraudsters are only becoming smarter. How is your organization keeping pace and staying ahead of fraud schemes and regulatory mandates to monitor for them? In this e-book, learn the basics in how to prevent fraud, achieve compliance and preserve security.
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White Paper
Managing Models and Their RisksComputational and technological challenges present opportunities for a fast-evolving risk management discipline.
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Article
Detect and prevent banking application fraudSince credit fraud often starts with a falsified application, it makes sense to have analytics-driven tools in place to detect fraud from the earliest point and across the life of the account.
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White Paper
SAS Grid Computing – What They Didn’t Tell YouJoin Austria’s Erste Group Bank on their journey from a monolithic SAS processing environment to a more flexible infrastructure using SAS Grid Manager software.
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White Paper
AI Is at the Forefront of Reducing Money Laundering and Combating the Financing of Terrorism See how artificial intelligence (AI), machine learning (ML) and robotic process automation (RPA) are helping firms overcome the challenges, improve results and make AML/CFT programs more efficient and effective.
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White Paper
Risk-Aware Finance and the Changing Nature of CreditNew research by Chartis and SAS highlights how financial institutions must align finance and risk departments to accurately assess future risks and bolster budgeting and forecasting capabilities. This paper explores how risk-aware finance is becoming essential to meeting future regulatory and competitive demands.
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White Paper
Stress Testing 2.0: Better Informed Decisions Through Expanded Scenario-Based Risk ManagementA road map for those who are starting to build – or are rethinking their approach to – their stress testing infrastructure and strategy.
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Executive Brief
Climate RiskA collection of articles from Risk.net on the impact of climate change on banks. SAS provides some key ideas for companies performing a self-assessment of their maturity in climate risk management.
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White Paper
Payments Without BordersMitigating fraud risks in cashless payments by holistically understanding your customers across all channels.
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White Paper
BCBS 239: Meeting Regulatory Obligations While Optimizing Cost ReductionsExplore how forward-looking finance executives are using high-performance technologies to create fundamentally superior, compliant risk reporting processes – and ultimately help executives realize the goal of sustainable profitability
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E-Book
Stress and Strategy: A C-Suite Guide to Scenario-Based Risk ManagementThis e-book from SAS and Argyle explores some of the ways that top-performing organizations are undertaking scenario-based risk assessment to develop and manage their business strategies.
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White Paper
Designing the Infrastructure for Credit Risk Model DevelopmentExplore the most common problems organizations face when setting up infrastructure for analytics – and credit risk modeling specifically – and learn about ways to increase productivity and reduce problems through better planning and design.
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Customer Story
Modernizing consumer lending in VietnamVietCredit aims to revolutionize the consumer finance market with SAS.
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Customer Story
Managing risk to move faster in the marketplaceBendigo and Adelaide Bank better positioned to manage risk using SAS® Credit Risk Management solutions.
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E-Book
How Any Size Organization Can Supersize Results With Data VisualizationEveryone makes better decisions with easy access to powerful, interactive analytics – no matter the size of the business. This e-book profiles six organizations that are using self-service data visualization and exploration to make big improvements in the way they work.
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White Paper
Understanding Data Streams in IoTThis paper explains how streaming analytics helps you acquire, understand and use real-time, streaming data to make fact-based, automated decisions – and instantaneously react to new information.
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White Paper
What is next-generation AML? The fight against financial crime fortified with robotics, semantic analysis and artificial intelligence
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White Paper
Machine Learning Use Cases in Financial CrimesLearn 10 proven ways machine learning can boost the efficiency and effectiveness of fraud and financial crimes teams – from data collection to detection to investigation and reporting.
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Customer Story
Analytics powers anti-money laundering effortsSAS helps Landsbankinn reduce false positives and streamline investigation.
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Webinar
What Is a Next-Gen AML System?Learn how AI, machine learning and robotic process automation can help the global banking industry and financial firms transform the fight against money laundering.
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White Paper
Data, analytics and machine learning: The new frontier of fraud preventionThe Economist explores how global financial institutions are using advanced technologies such as machine learning to support fraud and security intelligence.
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Customer Story
Fast-growing bank wins market share with cloud solutionICA Banken cut marketing campaign design from six weeks to one day and increased conversions tenfold.
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White Paper
Using SAS Marketing Optimization to improve credit-line optimizationLearn how SAS Marketing Optimization enables credit line optimization to balance the needs of managing risk exposure and achieving an acceptable rate of return at the portfolio level, as well as to devise a structured approach and advanced methodology that supports credit line strategy.
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Customer Story
Cultivating a risk cultureBank of Baroda strengthens governance and fosters trust using SAS Governance and Compliance Manager.
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White Paper
Detecting and Preventing Banking Application FraudSince credit fraud often starts with a falsified application, it makes sense to have strong tools to monitor loans and credit lines from that point onward. This paper discusses analytics-driven methods for validating applications and spotting trouble multiple stages.
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Customer Story
Financial lender cuts third-party fraud by more than 80% with layered detectionAxcess Financial uses SAS Identity 360 to dramatically reduce fraud losses and boost customer satisfaction.
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White Paper
The Future of Risk Modeling Explore the future of risk modeling with a comprehensive offering that covers data management, modeling, governance, reporting, batch execution, real-time scoring and decisioning with a platform designed for all types of risk models.
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White Paper
Machine Learning Model GovernanceBanks are rapidly expanding their use of machine learning-enabled (ML) models, because they can provide step-level improvements in accuracy. But ML models need even more rigorous governance than traditional models. This paper explores what's required to implement effective ML model governance.
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E-Book
Becoming a data-driven organizationLearn about the three foundations of becoming data-driven – data management, analytics and visualization – and how they can increase profitability, boost performance, raise market share and improve operations.
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White Paper
Digital Intelligence: The Heart of Successful Digital TransformationThis paper explores how digital transformation is changing marketing and customer experience throughout industries, including banking, retail and telecommunications. It also covers the importance of data in digital intelligence and discusses strategic ways to build a digital intelligence platform.
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Article
Mobile payments, smurfs and emerging threatsM-payment remittances are replacing traditional banks and money services that have historically charged high fees for small transfers. Former US Treasury Special Agent John Cassara maps what he sees in the road ahead and gives advice for protecting your firm.
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Article
Strengthen your payment fraud defenses with stronger authenticationThe rapid growth of digital wallets and payment applications has ushered in new payment fraud threats to consumers and organizations. Find out how the use of innovative technologies to combat payment fraud is a viable and effective solution with additional benefits.
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White Paper
Firmwide Scenario Analysis and Stress TestingThis paper explores the two most commonly used firmwide scenario model approaches for stress testing, firmwide risk capital measures and how regulatory stress testing is different from the firmwide risk capital approach mandated by CCAR and EBA.
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Customer Story
Finding your best customers with machine learningSeacoast Bank enhances customer value using AI and SAS Visual Analytics on SAS Viya.
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White Paper
Customer Due DiligenceTake a more comprehensive, continuous approach to customer due diligence where risk ratings are always up to date and reflective of the latest demographic and transactional changes.
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Article
Are you good at scoring?Credit scoring is the foundation for evaluating clients who apply for a loan (or other types of exposure for the bank). It is not unusual for it to take up to 12 months to build and deploy a new credit scoring model. Reforming the process will help minimize losses, increase earnings and reduce operational risk.
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Customer Story
Preventing crime and ensuring compliance at 120 Nordic banksSDC enables small and medium financial institutions in four Nordic countries to stay compliant.
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E-Book
Customer experience - now and into the futureExperience 2030: Research reveals 5 key themes driving customer experience. Build a forward-looking customer experience framework.
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Webinar
AI and Banking: Survey Reveals Success FactorsWhether you are a business or technology leader in banking, this must-attend webinar will give you a clearer, current, data-driven picture of the state of AI in banking and where it’s heading.
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White Paper
Balancing Fraud Detection and the Customer Experience Customers of a digital business create an intricate online footprint as they transact online. Businesses that capture and truly understand a complete identity based on online and offline attributes can seamlessly authenticate good customers and reliably spot the fraudulent or hijacked identities – in real time.
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Webinar
Understanding Your Customer in a Digitized LandscapeExperts from SAS and Javelin Strategy & Research discuss the pandemic-driven increase in digital banking and its effects on the fraud landscape and the customer experience.
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White Paper
The Escalation of Digital FraudThis Javelin Research report is based on 120 independent interviews of payment and security executives in 20 countries and delivers a clear picture of how digital fraud has changed the global operating environment for financial institutions.
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White Paper
Using Hybrid Cloud Capabilities for True Omnichannel MarketingSeamless, agile customer interactions require a marketing system that can collect data about a customer’s interactions and behavior across all touch points, regardless of underlying technology. Learn how SAS Customer Intelligence 360 lets you use both cloud and on-site channels and data to create an omnichannel marketing solution.
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White Paper
Managing Fraud Risk in the Digital Age The rise of mobile and online transactions introduces new fraud risks. Retailers and payment processors must adapt their anti-fraud defenses, augmenting them with stronger, analytics-driven authentication, proactive detection and mitigation tools.
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Customer Story
Fast analytical defenseDeutsche Kreditbank AG combats fraud and money laundering with SAS.
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Customer Story
CGC refines and enhances risk managementA single version of data across systems helps better manage credit and operational risk, as well as govern and plan with minimized risks and improved judgment.
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White Paper
Seven trends that will transform bankingAdvanced analytics and big data are enabling smarter decisions and more efficient processes, from credit to compliance and risk management.
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Article
Marketing optimization: Five lessons learned at a major US bankHow does a bank know what you need when you visit its website, open the mobile banking app or walk into the branch? For one of the largest banks in the US, the answer is marketing optimization. Here are five lessons they’ve learned.
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White Paper
The Analytics Mandate: Generating profits in difficult economic and regulatory timesLearn how and why banks need to apply more analytics for real-time decision making and multichannel marketing as consumers continue to migrate to digital channels and generate more data.
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White Paper
Six Keys to Credit Risk Modeling for the Digital AgeModernizing and automating the end-to-end process for origination and servicing – from data management to model development to credit decisions – can reduce credit losses and boost performance. This paper explores how infusing machine learning into this process supports more effective credit decisions for individuals, products or portfolios.
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Article
Experts: Nothing simple about meeting regulatory requirementsExperts discuss the trends and technologies that affect how financial institutions handle the growing number of regulations and regulatory agencies. They answer the question of how data and analytics help.
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White Paper
How AI and Machine Learning Are Redefining Anti-Money LaunderingMachine learning can play a big role in the defense against money laundering, either to automate tasks that formerly required human intervention, such as managing the data to train models, or detect more financial crimes risk that rules and more basic analytic techniques might miss.
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White Paper
BCBS 239: A Path to Good Risk TakingIn the face of all the challenges and potential opportunity, BCBS 239 principles provide a solid foundation for data and analytics. And implementing them should be seen as a strategic investment.
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White Paper
Tackle the Complexity of IFRS 9 and CECL StandardsThe US standard for CECL increases the complexity of the allowance estimation process. Outside the US, IFRS 9 is having the same effect. This paper presents a high-level view of best practices for getting this right, including recommendations for organizational structure, data management, model development and management, systems and processes, governance and controls, reports and documentation.
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White Paper
Building Artificial Intelligence in Credit Risk: A Commercial Lending PerspectiveWhat will it take for banks to trust artificial intelligence (AI) and machine learning (ML) with judgments about data accuracy and leverage it for commercial lending process automation?
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Analyst Report
SAS Is Helping Standard Chartered Comply with IFRS 9 Quickly and Cost Effectively -
White Paper
Artificial Intelligence for ExecutivesThis paper outlines the SAS approach to AI and explains key concepts. It also provides process and implementation tips if you are considering adding AI technologies to your business and analytical strategies.
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White Paper
Text Analytics for ExecutivesThis paper looks at how organizations in banking, health care and life sciences, manufacturing and government are using SAS text analytics to drive better customer experiences, reduce fraud and improve society.
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Article
Under siege: Improving customer experience in bankingBanks are ranking low in customer satisfaction, but improvement is possible says Digital Banking Report owner and publisher Jim Marous.
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E-Book
Fight money laundering with these 5 game changers from SASEffectively battling dynamic financial crime threats requires new capabilities for AML defense – such as artificial intelligence, machine learning, intelligent automation and advanced visualization.
