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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
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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E-book
5 Steps to a Unified Enterprise Customer Decisioning StrategyIn an era of unprecedented technology-driven disruption, banks are facing a dual challenge: Meeting rising customer expectations while navigating increasingly complex regulatory demands.
To remain competitive, banks must not only innovate but also streamline operations and foster greater collaboration across departments, breaking down traditional silos and working toward innovation.
How can banks simplify their operations, future-proof their services, and drive growth? Enterprise customer decisioning is the answer. This ebook describes five important steps to making better decisions faster with enterprise customer decisioning.
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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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ARTICOLO
Understanding capital requirements in light of Basel IVMany financial firms are already using a popular 2012 PIT-ness methodology for internal ratings-based models. This article examines eight ways the industry is successfully using the methodology – and why this approach can bring synergies for banks, value for regulators, and major competitive advantages.
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E-book
Fight money laundering with these 5 next-gen 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.
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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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ARTICOLO
Online payment fraud stops hereBillions of dollars a year are lost to online payment fraud through channels that provide convenient – yet vulnerable – ways to shop and bank. See how to fight back and win with advanced analytics.
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Case Study
Thwarting disruption with strategic investments in innovationNational Australia Bank turns to innovative strategies, like hackathons, to find new solutions to emerging challenges.
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E-book
Personalized advertising that you controlBanks that control their own personalization models, data and ad delivery ultimately deliver a better customer experience.
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Testimonianza
Better reporting yields better understanding of risk managementSAS Visual Analytics helps Erste Bank Croatia tackle diverse data for accurate analysis.
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ARTICOLO
Equifax uses trended data to better qualify loan applicantsMachine learning for credit scoring has helped Equifax analyze consumer data over time to determine which borrowers are trending in a positive direction and develop a more accurate measure than credit scores.
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White Paper
Detect and prevent digital banking fraudDiscover how banks can fight identity-based fraud attacks using proven analytical methods to detect the fraudsters while expediting service for legitimate customers.
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White Paper
The Value of Credit Risk Transformations and the Role of AIAs banks seek continued progress in their credit risk transformation journey, the insights gathered by SAS and GARP reveal the obstacles they face.
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ANALYST REPORT
Chartis RiskTech100 2025SAS ranks #2 overall in the prestigious Chartis RiskTech100, 2025. Six category wins are AI for Banking, Balance Sheet Risk Management, Behavioral Modeling, Enterprise Stress Testing, IFRS 9 and Model Risk Management.
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White Paper
The balance sheet risk conundrumHow SAS and Microsoft are modernizing asset liability management and liquidity risk management in turbulent times.
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ARTICOLO
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
Transforming Risk ManagementBanks face unprecedented risk challenges - from geopolitical shifts to AI-driven disruption. This report, based on insights from 300 global banks, explores the transformation of risk management, from rethinking risk models to integrating AI and data strategies. Building on 2021 findings, this SAS and Longitude report tracks progress over three years and provides key insights for accelerating change.
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White Paper
Proactive anti-financial crime strategies to improve compliance and reduce riskIn today’s fast-changing landscape, become more effective across all stages of AML investigations by following this framework and shift to a proactive, risk-based approach.
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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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ANALYST REPORT
Matrix: Leading Fraud & AML Machine Learning PlatformsSAS is a best-in-class vendor in the most recent Datos Insights report, Matrix: Leading Fraud & AML Machine Learning Platforms.
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White Paper
Reimagine your financial institution’s customer experienceFinancial institutions’ customers are more demanding than ever. According to a report from Vericast, the nature of loyalty in banking is being redefined, with nearly half of customers (46%) open to either switching banks entirely or using
multiple institutions concurrently for different financial needs. These customers want highly relevant, personalized and seamless experiences with their financial
institutions (FIs), regardless of the channel or device they choose to use. And they’ll prioritize banking with financial institutions that can deliver it. Unfortunately, many are not getting what they are asking for. A Capgemini study on making
meaningful customer connections in the financial services industry reports that 52% of customers are
frustrated by poor communications with their FIs, and 44% are dissatisfied with digital channels that
are hard to navigate and provide experiences that are neither user-friendly nor tailored to their needs.
Banks and other FIs have a vast amount of valuable customer data at their disposal that could be used to meet the rising customer expectations for timely, and relevant personalized communications
including transaction history, demographics, spending behavior, credit ratings, browsing activity,
product ownership, etc. However, there is still much work to do in this area as well, particularly when it comes to tailoring
customer engagement using the data banks routinely collect.
In fact, 71% of the FI executives surveyed told Capgemini that understanding customer
motivations and preferences is critical to growth, but 54% acknowledge they don’t understand
their customers well enough to embrace a truly customer-centric strategy. The Capgemini study also revealed 87% lack a centralized customer view and intelligent
decisioning capability, and 85% do not use advanced behavioral targeting and customer
behavior data for precise targeting.
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White Paper
Banking in 2035: global banking survey reportWhat trends do banking leaders consider to be the greatest risks and the greatest opportunities? What internal and external barriers stand in their way? What technologies will help them harness the opportunities ahead? Download the report to explore.
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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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Testimonianza
Cultivating a risk cultureBank of Baroda strengthens governance and fosters trust using SAS Governance and Compliance Manager.
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White Paper
The balance sheet risk conundrumDiscover five key elements required to achieve the most possible value from a modernized ALM and liquidity risk management program.
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ARTICOLO
Rethink customer due diligenceTo streamline compliance and protect against financial and regulatory risk, re-examine your customer due diligence processes and technologies regularly. With new analytical tools, you can monitor customer transactions or personal information in real time, and accurately segment customers by the risk they represent.
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White Paper
Outrunning risk with cloudBy employing cloud-based risk modeling and decisioning capabilities, banks can make faster, more sophisticated risk calculations that keep them one step ahead of existing and emerging threats.
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White Paper
Banking in 2035: three possible futuresThis paper explores how the major forces affecting banks may evolve between now and 2035, seen through the lens of three potential scenarios.
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E-book
5 Tips for Using GenAI to Improve Customer ExperienceImagine predicting customer needs, automating tasks and generating personalized content — all while improving your bottom line. Generative AI is reshaping how businesses use data, enabling smarter decisions and streamlined operations. This guide offers actionable advice on how to harness GenAI's full potential, covering key tips for data management, governance and transparency. Ready to transform your business? Download the e-book now to discover how SAS and AWS can help you harness the power of GenAI.
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ANALYST REPORT
SAS is a Leader in The Forrester Wave™: Enterprise Fraud Management, Q2 2024 -
Testimonianza
Hyper-personalized offers help consumer finance company elevate the customer experienceHome Credit modernizes its marketing with SAS® Customer Intelligence 360 to increase engagement, boost efficiency and reduce costs
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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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White Paper
The road to integrationHow far along are financial institutions on their AI and machine learning adoption journey, and where might these technologies deliver the most value?To find out, SAS partnered with the Association of Certified Anti-Money Laundering Specialists (ACAMS) and KPMG to survey more than 850 compliance professionals and ACAMS members. This report provides a snapshot of the survey results, including: · How many institutions are using AI and ML, including GenAI.· Reasons for adopting (or not adopting) these technologies.·How far along those surveyed are on their integration journey.
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Testimonianza
L'istituto finanziario svizzero usa gli advanced analytics per reimmaginare il marketing e personalizzare la customer experiencePostFinance si è rivolta a SAS per automatizzare e ottimizzare le campagne per offerte migliori, comunicazioni più efficaci e tassi di risposta più elevati.
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White Paper
Risk Modeling and Decisioning White PaperThis white paper describes the urgent need to upgrade risk modeling and decisioning strategies in the banking/financal services industry and provides specific suggestions for improving them.
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Testimonianza
Revolutionizing fraud detection at TechcombankAward-winning Vietnamese bank slashes time needed for fraud detection to mere seconds using a SAS enterprise fraud solution.
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Testimonianza
Combating financial crime and terrorism financing with real-time sanctions screeningOrange Bank stays ahead of emerging risks and changing regulations with a cloud-based sanctions-screening solution from SAS and Neterium.
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E-book
Intelligent Banking: The Future AheadAs emerging technologies transform how institutions operate, banks are finding themselves both empowered and exposed. Based on insights from 1,700 global banking executives, Economist Impact's latest report uncovers how industry leaders are tackling AI, fraud, regulation and competition in an evolving financial world.
Key Insights:
• GenAI is in widespread experimentation, but ROI is scarce. Nearly all banks are investing, but more than half report limited gains and 11% see no returns at all.
• AI is both a top fraud risk and the best defense against it. Banks must walk the fine line between risk and reward.
• New regulations are seen as an innovation catalyst, not a constraint. 68% of executives view AI, blockchain and open banking as potential drivers of innovation – not barriers.
• Fintech and big tech continue to gain market share. Traditional banks are expected to pose the weakest competitive threat over the long term.
• Strong data governance is fundamental. A third of executives cite data governance frameworks as the most effective strategy for data security.
• New partnership models drive innovation but pose security risks. 43% of executives cite data sharing with third parties as the top security concern.
As these findings reveal, banking’s competitive landscape is rapidly evolving. Download Intelligent Banking: The Future Ahead for new insights and five strategies banks must prioritize now to transform technology challenges into competitive advantages.
Download the full report now.
As emerging technologies transform how institutions operate, banks are finding themselves both empowered and exposed. Based on insights from 1,700 global banking executives, Economist Impact's latest report uncovers how industry leaders are tackling AI, fraud, regulation and competition in an evolving financial world.
Key Insights:
• GenAI is in widespread experimentation, but ROI is scarce. Nearly all banks are investing, but more than half report limited gains and 11% see no returns at all.
• AI is both a top fraud risk and the best defense against it. Banks must walk the fine line between risk and reward.
• New regulations are seen as an innovation catalyst, not a constraint. 68% of executives view AI, blockchain and open banking as potential drivers of innovation – not barriers.
• Fintech and big tech continue to gain market share. Traditional banks are expected to pose the weakest competitive threat over the long term.
• Strong data governance is fundamental. A third of executives cite data governance frameworks as the most effective strategy for data security.
• New partnership models drive innovation but pose security risks. 43% of executives cite data sharing with third parties as the top security concern.
As these findings reveal, banking’s competitive landscape is rapidly evolving. Download Intelligent Banking: The Future Ahead for new insights and five strategies banks must prioritize now to transform technology challenges into competitive advantages.
Download the full report now.
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Testimonianza
Stress testing becomes competitive advantage with advanced analyticsStandard Chartered Bank uses SAS Analytics to meet stress-testing requirements and assess the effect of crisis scenarios on its future P&L and balance sheet.
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ARTICOLO
4 strategies that will change your approach to fraud detectionAs fraudulent activity grows and fighting fraud becomes more costly, financial institutions are turning to anti-fraud technology to build better arsenals for fraud detection. Discover four ways to improve your organization's risk posture.
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Testimonianza
Transformation of the National Bank of Greece with SAS Viya on Microsoft AzureLeading Greek financial institution pursues digital transformation backed by advanced analytics to become the bank of choice for businesses and private individuals.
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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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Testimonianza
Advanced analytics and machine learning help Poste Italiane identify and stop fraud in real time while enhancing customer experienceItaly’s largest service distribution network relies on predictive analytics from SAS to detect fraud with greater precision and reduce losses.
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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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ANALYST REPORT
IDC MarketScape: Worldwide Responsible Artificial Intelligence for Integrated Financial Crime Management Platforms 2022 Vendor AssessmentLearn why SAS is positioned in the Leaders category in the 2022 IDC MarketScape for worldwide responsible artificial intelligence for integrated financial crime management platforms.
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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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ARTICOLO
What was your data doing during the financial crisis?Financial institutions usually survive a crisis, then react to prevent it in the future. SAS' Mazhar LeGhari explains how data can help you break that cycle.
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ARTICOLO
Strengthen your payment fraud defenses with stronger authenticationThe rapid growth of digital wallets and payment applications ushered in many new payment fraud threats. Today, it’s more critical than ever to authenticate users. Learn four innovative to ways strengthen your authentication defenses while reducing false positives and protecting customers’ assets.
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White Paper
Maintaining Customer Trust with Martech in Small and Medium-Sized BusinessesFor small and medium-sized businesses (SMBs), marketing technology is essential for staying competitive and building customer trust. A recent Harvard Business Review Analytic Services survey found that 81% of respondents believe martech has a significant impact on fostering trust with customers. It helps SMBs tackle challenges like limited budgets, measuring ROI and team alignment, enabling them to deliver consistent messaging, personalize experiences and work more efficiently. Looking ahead, generative AI is opening up new opportunities for SMBs to evolve their marketing strategies, innovate and stay ahead in an ever-changing market.
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ARTICOLO
Risk data infrastructure: Staying afloat on the regulatory floodWhat are the challenges of a risk data infrastructure and how can they be addressed? Here's what you need to know to build an effective enterprise risk and finance reporting warehouse that will effectively address compliance requirements.
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Testimonianza
Fast analytical defenseDeutsche Kreditbank AG combats fraud and money laundering with SAS.
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ARTICOLO
Model risk management: Vital to regulatory and business sustainabilitySloppy model risk management can lead to failure to gain regulatory approval for capital plans, financial loss, damage to a bank's reputation and loss of shareholder value. Learn how to improve model risk management by establishing controls and guidelines to measure and address model risk at every stage of the life cycle.
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Testimonianza
Banking on the power of data: The analytical approach to trust, performance and productivityIntesa Sanpaolo promotes a data-driven culture with support from SAS analytics.
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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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ARTICOLO
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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ARTICOLO
Rafforza il volto umano dei servizi bancari grazie all'Intelligenza ArtificialeDigitale e fisica insieme, personale, paperless, open, con meno barriere, ma non meno persone. Così sarà la banca del futuro perché la vera chiave di volta dei servizi bancari resta il fattore umano.
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Testimonianza
Essere e fare banca oggi. L'ossessione della customer experience.Una customer experience diversa significa anche migliore? L'eccellenza si costruisce ogni giorno attraverso una relazione continua fatta di attenzione ai bisogni e una perfetta simmetria informativa real-time tra i diversi canali della banca.
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ANALYST REPORT
Chartis RiskTech Quadrant Asset and Liability Management, 2024SAS is named a category leader in Chartis Research's 2024 RiskTech Quadrant for ALM solutions, FTP solutions, LRM and reporting technology solutions, capital and balance sheet optimization solutions., hedging and risk management solutions, and financial planning and budgeting solutions.
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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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Testimonianza
Finland’s top retail bank applies AI to improve customer service and credit scoringS-Bank provides better customer service and faster, more accurate loan processing time using SAS Viya on Azure.
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Testimonianza
Transforming the consumer banking experience through advanced analyticsCIMB Singapore uses SAS Viya to enhance business operations and keep pace with changing customer needs.
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E-book
Fearless Decision? The most successful banks of the future will be those who can see their customers as individuals, appreciate their unique journeys and make decisions accordingly — across all associated business functions.
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ARTICOLO
Top 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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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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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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Testimonianza
Credit Scoring: Laboratorio Analitico Avanzato e tecnologie di Machine Learning.Credit Scoring: Banca Mediolanum punta su un Laboratorio Analitico Avanzato e sulle tecnologie di Machine Learning. Intervista a: Stefano Biondi, Group Chief Risk Officer e Fabrizio Manstretta, Responsabile Credit Risk Management di Banca Mediolanum.
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ARTICOLO
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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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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White Paper
Protect the Integrity of the Procurement FunctionProcurement fraud affects nearly one-third of organizations, and it is often perpetrated by the most trusted, longtime employees, the ones you’d least suspect. Learn from two white-collar crime specialists about common flavors of procurement fraud, striking examples from recent headlines, four fundamental ways to get better at detecting and preventing fraud, and how to take procurement integrity to the next level.
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ARTICOLO
Data quality: The Achilles' heel of risk managementGiven the tightly regulated environment banks face today, the importance of data quality cannot be overstated. Beyond the obvious benefits of staying one step ahead of regulatory mandates, having accurate, integrated and transparent data drives confident, proactive decisions and supports a solid risk management foundation.
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ARTICOLO
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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ARTICOLO
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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ANALYST REPORT
Chartis RiskTech Quadrant for Model Risk Management, 2024Chartis names SAS a leader in both Model Risk Governance and Model Validation, 2024.
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White Paper
Rethinking customer due diligenceHelp evaluate your organization's CDD processes and technology relative to current industry risks and regulatory requirements.
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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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Testimonianza
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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Testimonianza
European Banking-as-a-Service leader strengthens its AML/CFT and fraud surveillance system with SASTreezor uses SAS Anti-Money Laundering to stay ahead of emerging risks, improve operational efficiency and expedite investigations.
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E-book
Data scientists use SAS Viya on Microsoft Azure to develop big innovationsThis e-book features top solutions showcasing how global Hackathon teams used SAS Viya on Microsoft Azure to develop innovative approaches that save time, money, and entire ecosystems, such as the world's coral reefs.
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ARTICOLO
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
Journey to an integrated balance sheetThe increasing complexity of risk management in financial services, combined with current market volatility, has made a holistic understanding of risk both more urgent and more challenging. To maintain liquidity, ensure growth, navigate regulatory obstacles and gain a comprehensive view of risk, banks must meet the moment by embracing integrated balance sheet management at every level.This white paper examines the common challenges banks face when managing risk in today’s environment and outlines specific steps banks can take to build a more integrated and effective balance sheet management strategy.
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ANALYST REPORT
Chartis RiskTech Quadrant for AML Transaction Monitoring Solutions, 2024SAS is a category leader in Chartis' RiskTech Quadrant for AML Transaction Monitoring Solutions, 2024. According to Chartis, SAS' AML transaction monitoring solutions emphasize speed, volume and performance.
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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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Testimonianza
Fintech company’s rapid growth leads to consistent cloud strategyauxmoney saves resources, gains flexibility and scalability with risk management in the SAS Cloud hosted on Microsoft Azure.
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Testimonianza
Stopping payment fraud in real timeThe Bank of East Asia uses SAS Fraud Management for payment fraud detection and prevention.
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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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ANALYST REPORT
SAS is a Leader in The Forrester Wave™: Anti-Money Laundering Solutions, Q2 2025SAS Anti-Money Laundering, which helps fight money laundering and terrorist financing with AI, machine learning, intelligent automation and advanced network visualization, is named a Leader in The Forrester Wave.
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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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Testimonianza
Low-risk strategy delivers top-level returnsBank Leumi uses SAS to achieve superior shareholder returns in a competitive environment and with high capital reserves.
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White Paper
AML ModernizationThis white paper explores current organizational challenges, outlines the benefits of new AML technology adoption, and identifies how to embark on a journey of discovery and modernization.
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ANALYST REPORT
SAS is a Leader in The Forrester Wave™: Real-Time Interaction Management, Q1 2024Forrester names SAS a Leader in The Forrester Wave™: Real-Time Interaction Management, Q1 2024.
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ARTICOLO
Why banks need to evolve their approach to climate and ESG riskManaging environmental, social and governance (ESG) risk is important to banks, regulators, investors and consumers – yet there are many interpretations of how to do it. To thrive, organizations must evolve their risk management practices – including those affected by ESG risk.
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Testimonianza
Austrian bank uses integrated risk and carbon calculation engine to steer toward net-zero by 2050Erste Group extends its SAS Solution for Regulatory Capital to help understand and reduce impact of climate change on its portfolios
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Testimonianza
Getting more people behind the wheel with predictive modeling and personalized financing solutionsToyota Financial Services Italia uses SAS Viya to better understand customers, tailor communications and customize financing options for buying or leasing vehicles.
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Testimonianza
Dietro le quinte del percorso di trasformazione digitaleUn percorso di trasformazione complesso e ambizioso quello del Gruppo Bancario Cooperativo Iccrea che trova negli Analytics non solo un tool tecnologico, ma un approccio metodologico di condivisione delle informazioni, agile ed efficace.
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ANALYST REPORT
Chartis RiskTech Quadrant for Watchlist and Adverse Media Monitoring 2024 -
Testimonianza
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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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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ANALYST REPORT
dbInsight: SAS Viya is living large on AzureLearn how Azure provides the onramp to a new customer base to take advantage of SAS capabilities without having to make big enterprise software commitments.
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Testimonianza
Modernizing consumer lending in VietnamVietCredit aims to revolutionize the consumer finance market with SAS.
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E-book
Securing the future: Proactive strategies to combat financial fraude-book
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Testimonianza
Fighting financial crime through a global anti-money laundering platformBangkok Bank uses advanced analytics from SAS to meet expanding anti-money laundering requirements for global operations and ensure compliance keeps pace with dynamic regulatory frameworks.
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White Paper
Decision science: From automation to optimizationThis Risk.net white paper explores decision science and automation and the efficiencies it brings, and offers insight into why automation – married with adaptable analytics – is now crucial.
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White Paper
Retail bank media networks: Monetize customer data with personalized offers and advertisingThe creation of a “retail bank media network” can drive more valuable next-best offers, generate new ad revenue, offset revenue shortfalls and increase shareholder value.
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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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Testimonianza
Predictive analytics empowers bank to act quickly with confidenceOTP Bank Romania can better assess risk, meet profitability targets and enhance customer satisfaction through a streamlined data mining process from SAS.
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White Paper
Rethinking risk: Smarter models, better decisionsModernizing 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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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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ARTICOLO
Risk data aggregation: Transparency, controls and governance are needed for data quality and reportingFinancial institutions’ data aggregation and reporting techniques and systems are receiving increased attention both internally and externally. Find out how to take a comprehensive approach to BCBS principles and risk data aggregation and management.
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Testimonianza
Optimization delivers more revenue while slashing marketing costsMarketing optimization helps Akbank cut campaign costs by 50 percent, and dramatically reduce time spent producing campaigns from days to hours.
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ARTICOLO
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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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
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. Learn about best practices for getting this right.
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White Paper
Basel IV: The push you neededIn a landscape of great uncertainty and the economic crisis sparked by COVID-19, financial institutions must address the challenges Basel IV will bring. An integrated risk management approach is the best path forward to meeting ever-evolving regulatory needs.
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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. This paper discusses data enormity and preparation for analysis; flexibility in computing platforms; and a comprehensive program for data, analytics and models.
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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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White Paper
Next-generation AMLSix tips to modernize your fight against money laundering.
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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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White Paper
Modernizing Asset Liability ManagementChanging priorities in ALM technology, data and analytics.
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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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Testimonianza
Fighting loan application fraud with cutting-edge analyticsBausparkasse Schwäbisch Hall uses SAS® Viya® to identify forged income documents
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E-book
Reimagining risk, modeling, and decisioningThe eBook addresses how SAS and Microsoft are modernizing credit risk modeling and decisioning for better customer experience.
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ARTICOLO
Should banks adopt regulations as best practices?The regulatory tsunami isn't letting up, but is there value to be gained in adopting, for instance, BCBS 239 principles?
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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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Testimonianza
Making faster, smarter credit decisions while elevating customer experienceAutomated credit risk management process puts ABBANK at the forefront of Vietnam’s credit revolution.
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ANALYST REPORT
Chartis RiskTech Quadrant for Trade-Based AML Solutions 2022SAS is named a category leader in the Chartis RiskTech Quadrant for Trade-Based AML Solutions, 2022.
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Testimonianza
Award-winning bank’s data-driven strategy boosts productivity, efficiency and customer centricityAn ‘analytics for all’ approach helps Banca Intesa Beograd foster informed decision making, innovation and sustainable growth.
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ARTICOLO
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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ARTICOLO
Online fraud: Increased threats in a real-time worldOnline and mobile banking is convenient for customers -- and an opportunity for fraudsters. With fraud methods constantly evolving, an analytical approach is a must for banks seeking early, accurate detection.
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White Paper
From Crisis to Opportunity: Redefining Risk ManagementHow a more automated approach to risk management can transform banks’ performance, during the pandemic and beyond.
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ARTICOLO
Payment fraud evolves fast – can we stay ahead?Payment fraud happens when a criminal steals a person’s private payment information, then uses it for an illegal transaction. As payment trends evolve, so do the fraudsters. Banks and PSPs can fight back with advanced analytics techniques that adapt quickly to spot anomalies in behavior.
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ARTICOLO
What is a risk model?Banks use multiple models to meet a variety of regulations (such as IFRS 9, CECL and Basel). With increased scrutiny on model risk, bankers must establish a model risk management program for regulatory compliance and business benefits. Begin the planning by clearly defining what a risk model is.
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Testimonianza
Accelerating stress testing in the cloudIntesa Sanpaolo enhances efficiency and meets stress-testing requirements six times faster with SAS Viya.
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ARTICOLO
From lab to lifeOnce you've created your analytical model, you need to put it to use. Here are tips from finance industry experts to get your models in the hands of users.
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ARTICOLO
Detect and prevent banking application fraudCredit fraud often starts with a falsified application. That’s why it’s important to use analytics starting at the entrance point. Learn how analytics and machine learning can detect fraud at the point of application by recognizing the biggest challenge – synthetic identities.
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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.
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ARTICOLO
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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Intervista
Data visualization: A wise investment in your big data futureData visualization technologies can help the practice of data-driven decision making really take hold. But putting data visualization software in the hands of business users? Is it crazy – or crazy smart?
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White Paper
Compete and win with better model risk managementAs explored in this paper, models can degrade over time, and sound model risk management (MRM) is the key to managing this risk.
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ARTICOLO
Understanding capital requirementsCredit risk classification systems have been in use for a long time, and with the advent of Basel II, those systems became the basis for banks’ capital adequacy calculations. What is needed going forward is an efficient and honest dialogue between regulators and investors on capitalization.
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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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Testimonianza
Forecasting helps Wescom Credit Union save millions of dollarsWescom Credit Union increases lending decision accuracy by at least 50%.
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Testimonianza
Analytic models spotlight risky loansItaly’s Ministry of Economy and Finance uses advanced analytics on SAS Viya to quickly calculate risk on financial guarantees.
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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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E-book
Unifying Model Management Across the BankHow banks can empower all departments to manage model risk effectively across the entire model life cycle.
