Banking Analytics Resources

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?

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.

White Paper The Current State of Banking Stress Testing Technology: Closing the Gaps

This paper examines the current state of stress testing capabilities of banks, as revealed in a recent GARP and SAS stress testing survey. It explores key areas of weakness and shares how SAS addresses them by taking a technology-focused, platform-based approach to stress testing.

White Paper Complying With CECL

Lenders are making headway with CECL accounting standards, but not without some differences of opinion. The Global Association of Risk Professionals (GARP), in conjunction with SAS, conducted a survey to gauge lenders’ progress and concerns in gearing up for the new model. This report explains the survey’s key findings.

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.

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.

Customer Story Cultivating a risk cultureBank of Baroda strengthens governance and fosters trust using SAS Governance and Compliance Manager.

White Paper Comprehensive Stress Testing

Learn how having the right data and analytical software enables you to quickly simulate different environmental conditions or risk scenarios to understand their effect on the financial position of your bank.

White Paper Elements of Business-Driven Stress Testing

Learn why banks need a way to operationalize and automate mandatory stress testing to free up resources for value-added, business-specific stress testing that can help decision makers walk the tightrope between opportunity and risk – and drive better performance.

Customer Story Making faster, better lending decisionsLocal Government Federal Credit Union sees efficiency gains with SAS.

White Paper CECL: Don't Neglect the Fundamentals

Firms 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.

Customer Story Analytics powers anti-money laundering effortsSAS helps Landsbankinn reduce false positives and streamline investigation.

Customer Story Preventing crime and ensuring compliance at 120 Nordic banksSDC enables small and medium financial institutions in four Nordic countries to stay compliant.

E-Book An Early Adopter's Guide to Hadoop

Read interviews with two Hadoop customers and two Hadoop implementors, plus Hadoop adoption survey results and tips for big data management - all in one convenient ebook package.

Analyst Report Chartis RiskTech Quadrant for Credit Risk Solutions 2018This Chartis research paper covers the RiskTech Quadrant for Credit Risk Solutions for 2018.

White Paper The Analytics Mandate: Generating profits in difficult economic and regulatory times

Learn 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.

White Paper Taking the Risk Out of Convenience

Mobile wallets, real-time peer-to-peer (P2P) payments and digital account opening bring new opportunities – and new forms of risk. Javelin shows how financial institutions must adapt their fraud strategies accordingly.

White Paper SAS Grid Computing – What They Didn’t Tell You

Join Austria’s Erste Group Bank on their journey from a monolithic SAS processing environment to a more flexible infrastructure using SAS Grid Manager software.

White Paper Six Keys to Credit Risk Modeling for the Digital Age

Modernizing 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.

White Paper AML Customer Risk Rating

This paper is geared toward the technical audience to describe the benefits of, and how to adopt, statistical modeling for AML and CDD.

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.

White Paper Capital Management for Banking: Dawn of a New Era

This paper illustrates an approach to managing capital that will enable banks to proactively steer the vital components of strategic plans – product mix evolution, revenue growth and risk appetite.

White Paper Leveraging Analytics to Combat Digital Fraud in Financial Organizations

International Institute for Analytics summarizes key questions and answers about financial fraud in the digital age.

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.

White Paper 2016 Digital Channel Threat Report: Derisking Convenience

This white paper examines the interplay between the challenges and opportunities afforded by the growing breadth of digital channels offered by financial institutions. Learn why mobile wallets, real-time peer-to-peer and digital account opening all require the right mix of security solutions, background analytics and personnel to balance positive customer experience with robust fraud protection.

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.

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.

White Paper Text Analytics for Executives

This 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.

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.

E-Book Fight Fraud and Financial Crimes With Analytics and Artificial Intelligence

Fraudsters 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.

White Paper Data Quality: The Achilles' Heel of Risk ManagementEffective data quality management should be considered a basic requirement for modern-day bank management. This paper focuses on five best practices for improving data quality that are derived from successful SAS projects within the financial services industry.

Analyst Report Under the Spotlight: Innovative Vendors in Financial Crime Case Management Technology

Celent's Under the Spotlight: Innovative Vendors in Financial Crime Case Management Technology

White Paper How AI and Machine Learning Are Redefining Anti-Money Laundering

Machine 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.

Customer Story More time for analytics With SAS Grid Computing, SunTrust analysts spend less time moving data.

White Paper Seven trends that will transform banking

Advanced analytics and big data are enabling smarter decisions and more efficient processes, from credit to compliance and risk management.

E-Book Your real-world guide to combating cyberthreats

Find and stop risks inside your network with analytics

White Paper Liquidity Optimization

Learn about how the complete liquidity optimization solution from SAS helps banks stay profitable while meeting liquidity requirements.

White Paper Digital Intelligence: The Heart of Successful Digital Transformation

This 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.

E-Book Stress and Strategy: A C-Suite Guide to Scenario-Based Risk Management

This 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.

White Paper Using SAS Marketing Optimization to improve credit-line optimization

Learn 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.

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.

White Paper Designing the Infrastructure for Credit Risk Model Development

Explore 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.

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.

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.

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.

White Paper Fighting Financial Crime Amidst Growing Complexity

Growing speed, volume and technological complexities raise the challenges in AML. However, recent developments in artificial intelligence, machine learning and robotic process automation are producing solutions that improve AML programs.

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.

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.

White Paper BCBS 239: Meeting Regulatory Obligations While Optimizing Cost Reductions

Explore 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

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.

White Paper Analytics and the AML Paradigm Shift

Financial organizations are deploying artificial intelligence and machine learning in the fight against financial crimes. David Stewart, Director of Pre-Sales for the Global Security Intelligence Practice at SAS, offers tips to help separate fact from market hype when reviewing new data analytics tools.

White Paper Emerging Market Risk Challenges and FRTB

The financial services industry needs to take five key steps to address the challenges of FRTB, such as gaining the ability to: measure and manage firmwide market risk intraday and on demand, manage risk in broader market context, and manage more rigorous delineations among banking assets.

White Paper Analytics Platform and Program: Keys to Success for Regulatory Compliance in Financial Services

Advanced analytics is at the heart of regulatory compliance processes in financial services.

E-Book Making Sense of AI

This 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.

White Paper The Future of Model Risk Management for Financial Services Firms

Banks 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.

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.

White Paper Perspectives on Liquidity Risk Management

Learn how financial institutions are taking steps to get ahead of the regulatory agenda for liquidity risk to ensure they have sufficient buffers by conducting more frequent, and more stringent, stress tests covering a wide range of risk factors.

White Paper Detecting and Preventing Banking Application Fraud

Since 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.

Customer Story Modernizing consumer lending in VietnamVietCredit aims to revolutionize the consumer finance market with SAS.

Analyst Report SAS Is Helping Standard Chartered Comply with IFRS 9 Quickly and Cost Effectively

E-Book Keep them coming back

How can you use data and analytics to recognize your best customers across channels and know exactly where they are in their customer journey? In this e-book, we provide the latest research on customer loyalty, along with a three-pronged approach for securing it.

White Paper Enterprise Risk Mitigation for Community Banks To help meet fraud and AML challenges, SAS and Jack Henry Associates have partnered to offer JHA Enterprise Risk Mitigation Solutions™ (ERMS), a cloud-based customization of SAS Visual Investigator that converges fraud detection and AML compliance in a single, intuitive, visual workspace.

White Paper The Evolution of Analytics

Learn 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.

White Paper Customer Experience: The Flip Side of the Fraud Detection Coin

See how analytics enables banks to balance risk with customer demand for fast access to deposits.

White Paper Risk-Aware Finance and the Changing Nature of Credit

New 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.

White Paper The evolving relationship between finance and risk

Increased regulatory requirements require chief financial officers to be proficient in regulations and advanced big data analytics. As a result, CFOs and CROs must cooperate like never before.

White Paper Building Credit Scorecards Using Credit Scoring for SAS Enterprise Miner

Discover how Credit Scoring for SAS Enterprise Miner software is used to build credit scoring models for the retail credit industry.

Five focus areas for successful stress testing

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.

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.

White Paper Firmwide Scenario Analysis and Stress Testing

This 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.

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.

White Paper What is next-generation AML?

The fight against financial crime fortified with robotics, semantic analysis and artificial intelligence

Analyst Report Chartis FinTech Quadrant for CECL Technology Solutions 2018This Chartis research paper covers the FinTech Quadrant for CECL Technology Solutions for 2018.

Customer Story Finding your best customers with machine learningSeacoast Bank enhances customer value using AI and SAS Visual Analytics on SAS Viya.

White Paper Tackle the Complexity of IFRS 9 and CECL Standards

The 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.

White Paper Data, analytics and machine learning: The new frontier of fraud prevention

The Economist explores how global financial institutions are using advanced technologies such as machine learning to support fraud and security intelligence.

White Paper Does Basel III Apply to the Community Bank?

This paper discusses common myths and misconceptions community banks have about the Dodd-Frank and Basel III regulations and then explores key issues, challenges and requirements for community bank compliance.

White Paper Best Practices in Transaction Monitoring Scenario Threshold Tuning and Model Verification

Learn about a best practices approach to performing scenario verification and threshold tuning projects for BSA/AML transaction monitoring systems.

E-Book Adapting to the New Age of Risk Analytics

Rapid 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.

White Paper BCBS 239: A Path to Good Risk Taking

In 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.

White Paper Achieving Optimal IFRS 9 Compliance

This paper explores how IFRS 9-impairments compliance will have a substantial financial impact on banks, the major implementation challenges involved, and the critical role of technology in achieving optimal compliance.

White Paper The Evolution of Regulatory Capital Planning, Measurement and Management

Banks can successfully cope with the growing regulatory burden by adopting solutions that not only meet current regulatory requirements, but are also flexible enough to address future requirements.

White Paper Developing Scenario Segmentation and Anomaly Detection Models

An effective AML transaction monitoring strategy includes segmenting the customer base by analyzing customer activity and risk characteristics in order to monitor them more effectively. This paper discusses how to blend both quantitative and qualitative methods to tune scenarios to identify the activity that poses the most risk to the bank.

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.

White Paper Enhancing AML Efficiency and Effectiveness

Celent discusses how banks are adopting artificial intelligence, machine learning and robotic process automation, including the benefits and key lessons learned. The paper explores considerations for AI adoption and future benefits for the AML industry.

Analyst Report Top Strategic IoT Trends and Technologies Through 2023In this report, Gartner examines 10 longer-term IoT technologies and trends that will be important in the 2018 through 2023 time frame.

White Paper Banking Application Fraud: The Enemy at the Gates

Find 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.

White Paper Machine Learning Use Cases in Financial Crimes

Learn 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.

White Paper Navigating the route to IFRS 9 compliance

IFRS 9 standards establish wide-ranging and complex practices that can shape how financial institutions operate. This paper from Longitude Research and SAS provides guidance on IFRS 9 and examines how companies are preparing to meet this challenge.

E-Book How Any Size Organization Can Supersize Results With Data Visualization

Everyone 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.

White Paper Best Practices of Business-Specific Stress Testing

Discover why banks today cannot afford to take a "check the box” approach to stress testing that focuses exclusively on compliance. What is needed is business-specific stress testing that helps decision makers better manage the real risks to their business.

White Paper Migrating Analytics to the Cloud: It’s About Time

In 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.

White Paper Artificial Intelligence for Executives

This 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.

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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