
Banking & Financial Analytics
Over 90% of the top 100 global banks use SAS®.

Establish a risk-aware culture. Optimize capital and liquidity. Meet regulatory demands.
Put on-demand, high-performance risk analytics in the hands of your CRO and risk professionals. Balance short- and long-term strategies. Confidently address changing regulatory requirements. We deliver comprehensive solutions for:
- Regulatory risk management. Comply with the latest Basel regulations around the globe.
- Stress testing. Perform comprehensive stress testing at an enterprise level.
- Credit risk management. Optimize your credit portfolio, and make smarter lending decisions.
- Model risk management. Significantly reduce your model risk, and meet regulatory demands.
- Expected credit loss (IFRS 9/CECL). Perform credit exposure modeling for new financial reporting requirements in the US and around the world.
Move beyond risk tools to solutions that help you analyze, orchestrate and manage complex regulatory compliance processes. Only SAS delivers comprehensive risk solutions, proven methodologies and best practices that enable you to:
- Manage, apply and track stress testing scenarios for higher efficiency, greater accuracy and improved transparency for CCAR, DFAST and EBA/ECB.
- Integrate risk and finance modeling with a common platform that supports IFRS 9 and CECL stress testing and reporting.
- Achieve SR 11-7 model risk management compliance with full transparency and prebuilt governance processes.
- Improve regulatory risk management processes for Basel III compliance, including regulatory capital, liquidity risk and BCBS 239.
- Enhance credit risk management processes throughout the life cycle – from origination to portfolio management, and all the way through collections and recovery.
We needed highly trusted information that we could access quickly, without worrying about the integrity, reliability or timeliness of it.

Superior detection. Better prevention. Trusted protection.
Enhanced fraud detection. Highly efficient, effective investigations. And consolidated suspicious activity monitoring and reporting. Our banking and financial analytics software can help you stop fraud and financial crimes in their tracks with proven solutions for:
- Enterprise fraud and financial crimes. Avoid fines and threats to your brand reputation by detecting and preventing illicit activity – including application, bust out and employee fraud – and meeting the stringent compliance requirements set by government and regulatory organizations.
- Enterprise payments fraud. Find payments fraud faster by scoring 100 percent of all transaction types in real time, for all your lines of business.
- Regulatory compliance. Fulfill your compliance obligations for FATCA and any other regulatory mandates while managing costs.
- Rogue trading and market abuse. Monitor more transactions and risks in less time – while reducing associated costs and effort – with a system that integrates anti-fraud and anti-money laundering processes.
Find fraud faster. Stop it sooner. All while reducing false positives and improving the efficiency of investigations. Only banking and financial analytics software from SAS gives you the ability to:
- Get cross-channel visibility. Aggregate internal and external data from all relevant sources with a single, integrated analytics platform.
- Score 100 percent of all transactions on demand. Get real-time integration to authorization systems around the globe.
- Visualize linkages among seemingly unrelated transactions. Uncover previously unknown relationships using link analysis and continuous, automated, event-based monitoring.
- Find more fraud. Implement a hybrid analytic approach that uses multilayered detection methods for greater accuracy.
Our solution from SAS provides a wealth of up-to-date information about the performance of our fraud defenses and allows us to adapt, as needed, to battle changing threats.
Learn about the threats associated with mobile digital finance, and what you can do about them.

Create customer experiences that matter.
The ability to personalize customer interactions in real time, across all channels. A customer decision hub that delivers insights fueled by data from every touch point and data source. SAS delivers proven banking and financial analytics solutions for:
- Engagement. Orchestrate contextual, individualized customer experiences by anticipating customer needs and delivering next best actions precisely when needed – during a customer interaction.
- Optimization. Optimize each customer’s journey, deliver the most relevant communication and maximize returns on your marketing investments.
- Planning. Streamline marketing processes, improve marketing efficiency and enhance marketing performance.
Anticipate and address your customer’s unspoken needs – at just the right moment. Plan, manage and execute marketing programs more efficiently and effectively than ever before. Understand how marketing activities link to revenue and profits. And share results and insights across business units. Only SAS banking and financial analytics software enables you to:
- Understand customers better than ever – and predict how they will act in the future – using powerful, predictive analytics.
- Grow products per customer and customer lifetime value using event-based marketing to deliver relevant, personalized offers that are perfectly timed.
- Get a single view of the customer by bringing together all customer data, regardless of source.
By using SAS, we're getting an ROI in excess of 100 percent – a significant return for the cost of the solution. The way we're able to integrate the software within our overall campaign and customer contact strategy is giving us a significant edge over our competitors.

Grow revenues. Increase efficiency. And redefine your bank's future.
Fast answers to your most complex questions. In-depth knowledge of every aspect of your business, your competitors and your customers. The ability to drive revenue, control costs and mitigate risks with confidence. And the foresight to identify and capitalize on every opportunity to gain an edge in the cutthroat world of banking. We provide unrivaled advanced banking and financial analytic capabilities for:
- Predictive analytics, data mining and machine learning. Empower users to analyze complex data, find useful insights and act on those insights to make fact-based decisions.
- Visual analytics. Spot trends, patterns and hidden insights by visually exploring data sets of any size. Uncover unexpected insights, find answers to complex problems and quickly identify new and better courses of action by visually exploring your data.
- Forecasting and econometrics. Plan more strategically and effectively for the future by generating large quantities of high-quality forecasts quickly and automatically.
- Mathematical optimization and simulation. Respond more decisively to changing market dynamics by analyzing numerous scenarios simultaneously.
- Text analytics. Extract valuable insights from unstructured data sources to capture new opportunities and enhance customer service.
Quickly and accurately solve your most complex business problems. Take action to seize opportunities faster than the competition. And gain a decisive competitive advantage. Only SAS banking and financial analytics software enables you to:
- Extract meaningful insights from big data with in-memory software for data mining, machine learning, text mining, optimization, econometrics and forecasting.
- Make crucial, time-sensitive decisions with confidence by processing analytical models in a fraction of the time it used to take using the best modeling techniques, performing more model iterations and including all available structured and unstructured data – not just a subset – in your analyses.
- Broaden the use of sophisticated analytics to even nontechnical business users with visual analytics software that enables visual data exploration, easy analytics with autocharting features, and robust reporting.
We want to study the behavior of the customer because it can help us develop more accurate, predictive forecasts for our business. Those predictive models not only prevent losses by spotting likely defaults, they can also predict propensity to buy or propensity to convert.
SAS is a Leader in the Forrester Wave™: Predictive Analytics and Machine Learning Solutions, Q1 2017.

Big data, small data, all data. Get a complete, integrated view.
A single, unified data management framework. Automated processes – from data collection and aggregation to data validation and cleansing. Our banking and financial analytics software offers the most complete, sophisticated data management capabilities, including:
- Data quality and integration. Consolidate data from internal and external sources, track data lineage, and reduce errors and inconsistencies with embedded data quality tools.
- Data governance. Spend less time managing data with a consistent set of policies and processes that ensures your data’s conformity with established policies and regulatory standards.
- Master data management. Unify your core data assets into a single, trusted view of the entire firm.
- Data federation and stewardship. Eliminate the complexities of data integration with a virtual data environment that simplifies administration and security while delivering a complete data picture in a business-friendly format.
- Metadata management. Deliver consistent information with an open, centralized repository for storing and managing metadata.
Get a complete, integrated – and trusted – view of all your enterprise data. Access the data you need, when you need it. And eliminate overlapping, redundant tools and systems. Only SAS lets you:
- Gain more control over, and ownership of, your data using a banking-specific data model with preconfigured data flows that cover all key banking areas.
- Ensure that all internal and third-party data gets and stays clean – and that it’s managed in such a way that doesn’t create redundancies – with a built-in data profiler that finds and fixes data quality issues automatically.
- Abandon the piecemeal approach to data management with a single product set for data access, integration, quality, governance and master data management.
- Glean analytical insight from large volumes of unstructured data – from documents, emails, social media sources, etc.
With SAS we were able to implement the demands of the new regulatory requirements extremely efficiently within just nine months.
Discover how data governance done correctly can transform the way you manage and capitalize on your data.
Advanced Analytics

Customer Experience

Data Management & Governance

Fraud & Financial Crimes Compliance

Risk Management Compliance
