In its current AML offering, the vendor provides an overall robust solution. Key management for encrypting data is explicitly configurable. Rules based and AI/ML based risk scoring is nice and functional. The solution can also provide rule recommendations. Workflow for model building is also very nice. Case management screen customization and usability is superior.
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Raport
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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HISTORIA KLIENTA
Swiss financial institution uses advanced analytics to reimagine marketing and personalize customer experiencesPostFinance turns to SAS to automate and optimize campaigns for improved offers, more effective communications and higher response rates.
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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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HISTORIA KLIENTA
A risk-based approach to combat money laundering in IsraelSAS Anti-Money Laundering helps Ayalon Insurance monitor suspicious activity and meet challenging regulatory requirements.
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HISTORIA KLIENTA
Analytics provides valuable and trustworthy insights for FinTechs to seize future opportunitiesSAS helps Nova Credit efficiently develop core business bureau scorecards and models, while minimizing lending risk and improving governance.
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Artykuł
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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HISTORIA KLIENTA
Better reporting yields better understanding of risk managementSAS Visual Analytics helps Erste Bank Croatia tackle diverse data for accurate analysis.
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HISTORIA KLIENTA
Advanced simulations and ‘stress-proof’ models help digital bank successfully navigate uncertain scenariosBanca Progetto relies on predictive analytics and a cloud-first approach to mitigate risk, better serve clients and plan for the future.
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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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Raport
SAS is a Leader in The Forrester Wave™: AI Decisioning Platforms, Q2 2023.The Forrester Wave™: AI Decisioning Platforms, Q2 2023 recognizes SAS for seamlessly integrating world-class analytics for decisioning.
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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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Raport
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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Artykuł
How AI and advanced analytics are impacting the financial services industryTop SAS experts weigh in on the topics that are keeping institutions up at night and fraudsters in a job.
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Artykuł
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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White Paper
Data-Driven PerformanceAgency program executives need to know a lot about their programs beyond whether the spending rate results in a balanced budget execution.
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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
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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Artykuł
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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HISTORIA KLIENTA
Modernizing consumer lending in VietnamVietCredit aims to revolutionize the consumer finance market with SAS.
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Artykuł
Online payment fraud stops hereBillions of dollars each 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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Raport
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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HISTORIA KLIENTA
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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Artykuł
Are you covering who you think you’re covering? Payers often don't focus enough on healthcare beneficiary fraud in public and private healthcare plans. Before paying a claim, payers need to ensure beneficiaries are eligible. Advanced analytics applied to a broad range of data can help them accurately detect and prevent beneficiary fraud.
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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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White Paper
Safer communities, trusted law enforcementThrough an analytics-based approach to officer readiness, SAS can help law enforcement ensure public safety and reestablish a culture of trust.
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Wywiad
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
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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White Paper
Government Procurement OfficesFind better ways to address fraud, waste and abuse – and respond more effectively to budget cuts – by using SAS to help you achieve new levels of fiscal responsibility.
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Artykuł
Uncover hidden financial crime riskEscalating threats call for a financial crime risk framework that uses powerful, visual, interactive techniques to proactively identify hidden risks.
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White Paper
Managing the Intelligence Life CycleBecause terrorists and other criminals are already using technology to carry out their missions, intelligence professionals need to access all available, appropriate information, to extract important elements and process, analyze and disseminate it quickly to keep ahead of potential threats.
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Raport
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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Artykuł
5 steps to sustainable GDPR complianceFollow these steps to achieve GDPR compliance by the May 2018 deadline – and get added benefits along the way.
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Artykuł
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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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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Raport
Chartis RiskTech100 2024SAS climbs to No. 2 in the prestigious Chartis RiskTech 100®, 2024, and bested seven technology award categories, including AI for Banking, Behavioral Modeling and Enterprise Stress Testing.
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Artykuł
Insights
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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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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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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Artykuł
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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White Paper
Value and Opportunity: An Executive Guide to Procurement IntegrityProcurement integrity (PI) represents a broader problem and bigger opportunity than most businesses recognize. Comprehensive PI programs continuously validate purchasing transactions, using data and analytics to trace patterns, spot anomalies, and reduce fraud, waste and abuse.
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Artykuł
Applying technology to ensure voter integrity in electionsVoter integrity is becoming a serious concern for many elections. Recent disclosures of foreign influence campaigns using social media highlight the potential impact on the integrity of the democratic process. In monitoring your systems, technology can identify both legitimate and fraudulent activity; the balancing act is to minimize the impact on legitimate activity while preventing acts of cyber-criminals and fraudsters.
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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
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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Artykuł
Putting an end to pay and chaseSophisticated technology-driven approaches can not only root out fraud in social benefits programs, but find it before payment is made. A proactive approach can reduce the 5 to 7 percent of government dollars that end up in fraudsters’ pockets.
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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
Fraudsters love digitalBy incorporating fraud analytics as a first line of defense, insurers can build in safeguards for all of their digital programs. In turn, they can spot emerging fraud rings, emerging fraud trends, and make real-time decisions on claims recovery to reduce leakage.
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HISTORIA KLIENTA fluvius uses sas procurement cockpit
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HISTORIA KLIENTA
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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E-book
Protecting the PaymentsAs unemployment insurance claims increased dramatically because of pandemic job losses, incidents of fraud have also grown exponentially in federal and state government systems.
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Artykuł
Next generation anti-money laundering: robotics, semantic analysis and AIAnti-money laundering taken to its next level is sometimes referred to as AML 2.0 or AML 3.0. What does this next wave of AML technology look like? What can it do that you can’t do with traditional AML? See the results innovative financial institutions around the globe are already getting.
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Raport
Standard Chartered Bank: Turning Stress Testing from Compliance Tool to Competitive AdvantagePartnering with SAS, Standard Chartered Bank built a robust stress testing platform. It started out as a tool for regulatory compliance and was expanded for assessing the effect of crisis 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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Badanie
Containing health care costs: Analytics paves the way to payment integrityTo ensure payment integrity, health care organizations must uncover a broad range of fraud, waste and abuse in claims processing. Data-driven analytics – along with rapid evolutions in the use of computer vision, document vision and text analytics – are making it possible.
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Artykuł
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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Artykuł
Detecting health care claims fraudHealth care claims fraud could represent as much as 10 percent of total claims cost. Learn how to fight back with analytics.
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White Paper
Effective fraud analytics: 10 steps to detect and prevent insurance fraudInsurers that follow the 10 steps outlined in this paper offer the best chance for detecting both opportunistic and organized fraud.
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Artykuł
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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Raport
SAS is a Leader in The Forrester Wave™: Anti-Money Laundering Solutions, Q3 2022SAS 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
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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HISTORIA KLIENTA
A model solutionTD Bank uses SAS Model Risk Management to stay on top of regulatory requirements, facilitate cross-functional collaboration and drive business value.
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Raport
White Paper
What Lies BeneathThe prevalence of and approaches to procurement fraud in global business.
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HISTORIA KLIENTA
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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HISTORIA KLIENTA
Using artificial intelligence to better engage with customersDaiwa Securities uses analytics and machine learning from SAS to better meet customer needs.
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Artykuł
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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Raport
Chartis RiskTech Quadrant for Enterprise Fraud Solutions, 2023: Vendor AnalysisChartis RiskTech Quadrant for Enterprise Fraud Solutions, 2023 has named SAS a category leader for enterprise fraud solutions.
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Artykuł
Taking pre-emptive action to stem the tide of VAT fraud lossesEU countries lost an estimated €159.5 billion in VAT revenues to VAT fraud in 2014. The solution? Hybrid fraud analytics technology.
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Artykuł
What do drones, AI and proactive policing have in common?Law enforcement and public safety agencies must wrangle diverse data sets – such as data from drones – in their proactive policing operations. To be most effective, they need modern tools that support AI techniques like machine learning, computer vision and natural language processing.
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White Paper
2021 State of Insurance Fraud Technology StudyAs fraud continues to frustrate survey respondents, it's not surprising that the adoption of insurance anti-fraud technologies among respondents grew since the 2018 survey.
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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
Unifying Model Management Across the BankHow banks can empower all departments to manage model risk effectively across the entire model life cycle.
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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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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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HISTORIA KLIENTA
Forecasting helps Wescom Credit Union save millions of dollarsWescom Credit Union increases lending decision accuracy by at least 50%.
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HISTORIA KLIENTA
Building reliability in riskBanca Mediolanum uses SAS Viya to develop high-performing, reliable credit scoring models.
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Raport
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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Artykuł
Five myths and misconceptions community banks have about Basel IIIMyth No. 1: Basel II didn't pertain to us, so Basel III won't either. Wrong. The US Basel III Final Rule provides capital frameworks commensurate with bank size, so the rules apply to nearly all banks in the US. Myth No. 2 ...
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Artykuł
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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HISTORIA KLIENTA
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
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
Data and Analytics to Combat the Opioid EpidemicThis research brief from the International Institute for Analytics and SAS explores how data and predictive analytics can help develop better treatment protocols, both for initial pain and for remediation when patients become dependent on the drugs.
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Artykuł
How can analytics change the world of 'Narcos'?Surveillance, wire-taps, interrogations, informants… all valuable intelligence gathering techniques. But modern law enforcement and federal agents are now aided by a new technology to zero in on drug trafficking: analytics.
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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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Raport
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
How to Succeed With Fraud AnalyticsAny large organization that could be a target for fraud has vast resources of data that could power an analytics-driven defense. Find out about the three pillars of analytics success, the eight realities that are reshaping the fraud management environment, and six ways to make a solid business case for funding a new or upgraded fraud analytics program.
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HISTORIA KLIENTA
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
Managing Models and Their RisksComputational and technological challenges present opportunities for a fast-evolving risk management discipline.
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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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Artykuł
Stop contract and procurement fraudFraud affects an estimated 30 percent of organizations' procurement processes. Beyond business rules and anomaly detection, analytics can detect and prevent fraud and preserve the integrity of the procurement process.
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Artykuł
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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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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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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HISTORIA KLIENTA
Austrian bank uses integrated risk and carbon calculation engine to steer towards 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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HISTORIA KLIENTA
Cultivating a risk cultureBank of Baroda strengthens governance and fosters trust using SAS Governance and Compliance Manager.
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Artykuł
Know your blind spots in tax fraud preventionTax agencies sometimes miss fraud that's happening right under their noses – despite robust external fraud prevention efforts. Find out where traditional tax fraud prevention and detection efforts fall short, and how analytics can change that.
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Artykuł
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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Artykuł
6 ways big data analytics can improve insurance claims data processingWhy make analytics a part of your insurance claims data processing? Because adding analytics to the claims life cycle can deliver a measurable ROI.
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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
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
Achieving program integrity for health care cost containmentLearn how taking an enterprise approach to payment integrity – one that combines advanced data management and sophisticated analytics – can help payers detect and prevent fraud; effect positive change in how providers, employees and patients behave; and substantially reduce health care costs.
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Artykuł
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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Artykuł
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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HISTORIA KLIENTA
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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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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HISTORIA KLIENTA
Fighting loan application fraud with cutting-edge analyticsBausparkasse Schwäbisch Hall uses SAS® Viya® to identify forged income documents
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HISTORIA KLIENTA
Advanced analytics can detect and prevent insurance fraud before losses occurYdrogios Insurance limits damage, reduces costs and shields its competitive advantage with SAS® Detection and Investigation for Insurance.
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Artykuł
Small-time cheats and organized crime: Benefits fraud re-examinedTo combat benefits fraud, better utilize resources and improve ROI, analytics can detect organized crime rings rather than just small-time fraudsters.
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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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Artykuł
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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Artykuł
Improve child welfare through analyticsWith tremendous potential for child welfare agencies to use data and analytics to prevent child abuse and improve outcomes for children and families, child welfare advocates discuss the benefits of using data and establishing a data-driven culture to advance practice and policy.
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Artykuł
20/20 vision of riskBanks need a holistic view of their data in order to accurately detect risk. They also must overcome the challenges associated with poor data quality and the "noise" generated by existing control systems. Laura Hutton, Director of Banking and Solutions at SAS, explains how technologies can improve a bank's visibility into operational risk.
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Raport
SAS is a Leader in The Forrester Wave™: Enterprise Fraud Management, Q3 2021Due to faster changing patterns in payment and nonpayment fraud, risk modeling has transitioned from an annual or semiannual campaign to a continuous activity that financial institutions cannot ignore.
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HISTORIA KLIENTA
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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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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Artykuł
New attitudes for liquidity risk managementRecent liquidity risk shocks and regulatory pressures have highlighted the need for agile liquidity risk management and planning systems. To manage liquidity risk more strategically, banks will need the right strategy, solution architecture and IT systems – plus governance to manage the process.
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Artykuł
Analytics: A must-have tool for leading the fight on prescription and illicit drug addictionStates and MFCUs now have the analytics tools they need to change the trajectory of the opioid crisis by analyzing data and predicting trouble spots – whether in patients, prescribers, distributors or manufacturers. The OIG Toolkit with free SAS® programming code makes that possible.
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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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HISTORIA KLIENTA
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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Raport
Celent Insurance Fraud Detection Solutions: Property and Casualty Insurance, 2022 EditionSAS is a Luminary in Celent's Insurance Fraud Detection Solutions: Property and Casualty Insurance, 2022 Edition.
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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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Artykuł
Shut the front door on insurance application fraud!Fraudsters love the ease of plying their trade over digital channels. Smart insurance companies are using data from those channels (device fingerprint, IP address, geolocation, etc.) coupled with analytics and machine learning to detect insurance application fraud perpetrated by agents, customers and fraud rings.
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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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Artykuł
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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Artykuł
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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Artykuł
Health care cost containment through big data analyticsHealth insurers are plagued by fraud, waste and abuse. For health care cost containment, an enterprise approach to payment integrity using data management and analytics can help. With this approach, payers can detect and prevent fraud; influence provider, employee and patient behavior; and substantially reduce costs.
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HISTORIA KLIENTA
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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White Paper
Advanced Analytics For Dissolving Data SilosThe growing need for data storage has heightened the proliferation of data silos. Readers will learn how organizations can apply machine learning and artificial intelligence to battle fraud, confirm customer identities and build data systems to avoid potential silos.
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E-book
Faces of FraudLearn how strong, AI-enabled fraud detection can help businesses rise to their customers’ expectations and gain a competitive edge.
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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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HISTORIA KLIENTA
A faster, comprehensive way to manage portfolio riskBank of India uses SAS to improve risk analysis, automate processes and meet both regulatory and internal requirements.
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Artykuł
The best gift you can give to thieves this holiday season? Your identity.While the use of EMV in cards has helped to mitigate fraud perpetrated at retail stores, undeterred fraudsters have focused their efforts online. Find out how advanced analytics and machine learning help combat this threat.
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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
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
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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Artykuł
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
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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HISTORIA KLIENTA
Uncovering social service fraud saves millions, reinforces public trustLos Angeles County DPSS uses SAS to detect fraud, resulting in fewer losses, lower investigative costs and greater confidence from citizens.
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Artykuł
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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Raport
Chartis RiskTech Quadrant Asset and Liability Management, 2023SAS is named a category leader in Chartis Research's 2023 RiskTech Quadrant for ALM solutions, RiskTech Quadrant for FTP solutions, RiskTech Quadrant for LRM solutions and RiskTech Quadrant for capital and balance sheet optimization solutions.
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Artykuł
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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E-book
High velocity decisions. Trusted outcomes.Protecting against fraud, money laundering and public security challenges requires making intelligent decisions that guide swift, effective actions.
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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
How Public Sector Agencies Can Use Analytics to Lead Through CrisisWhen public service leaders need to make vital decisions quickly – to guide people through a crisis and save lives – data analytics is essential.
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Artykuł
Analytics for prescription drug monitoring: How to better identify opioid abusePrescription drug monitoring programs (PDMPs) are a great start in combating abuse of prescription drugs, but they could be doing much more. Better data and analytics can inform better treatment protocols, provider education and policy decisions – and save lives.
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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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Artykuł
How to prevent procurement fraudPerpetrated in several ways, procurement fraud is difficult to detect. Arm yourself with hybrid analytics that offer various approaches for cross-pollination of data and analysis.
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HISTORIA KLIENTA
Turkish insurer achieves real-time fraud detectionAksigorta uses advanced analytics to increase fraud detection rate by 66 percent.
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Artykuł
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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Artykuł
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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White Paper
Using Digital Identity To Unleash Organizational DataCustomer experience focuses on speed and ease of access, lowering friction where possible. However, this approach has the potential to open up an organization to fraudulent attacks.
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Seria
Digital transformation: Moving from handshakes to householding at ComericaFor Comerica, digital transformation entailed developing a new approach for an online economy while maintaining it's heritage of one-to-one relationships.
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Artykuł
Fraud detection and machine learning: What you need to knowMachine learning and fraud analytics are critical components of a fraud detection toolkit. Here’s what you’ll need to get started – from integrating supervised and unsupervised machine learning in operations to maintaining customer service while defending against fraud.
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HISTORIA KLIENTA
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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HISTORIA KLIENTA
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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White Paper
Keeping Fraud Detection Software Aligned With the Latest ThreatsLearn how SAS enables end users to keep fraud detection software current and able to detect new threats.
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Artykuł
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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White Paper
Fighting Money Laundering with Intelligent AutomationThe world of money laundering and other financial crimes is changing rapidly. This International Institute for Analytics research brief shows how fraudsters and money launderers keep getting more sophisticated.
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Artykuł
When it matters: Safeguarding your organization from the insideWith evolving threats, fraud detection technologies have to be flexible and nimble, and automated risk detection is a crucial component of decision advantage.
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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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HISTORIA KLIENTA
Advanced analytics fuels virtual banking with data-driven decisionsAirstar Bank relies on SAS for risk-based customer due diligence, money laundering detection and comprehensive credit risk management.
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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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HISTORIA KLIENTA
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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Raport
Celent: Insurance Fraud Detection Solutions: Health Insurance, 2022 EditionSAS was named a Luminary in Celent's Insurance Fraud Detection Solutions: Health Insurance, 2022 Edition, excelling in both Advanced Technology and Breadth of Functionality.
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HISTORIA KLIENTA
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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HISTORIA KLIENTA
Fast analytical defenseDeutsche Kreditbank AG combats fraud and money laundering with SAS.
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Artykuł
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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Artykuł
Proactive detection – A new approach to counter terrorTo counter terror, investigative teams can better utilize the data they already have by applying a fresh approach with these steps to proactive detection.
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HISTORIA KLIENTA
Rooting out fraud and accelerating farm aid with advanced analyticsAGEA uses SAS Fraud Management on SAS Viya to transform agricultural aid for European Union countries.
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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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White Paper
Next-generation AMLSix tips to modernize your fight against money laundering.
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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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HISTORIA KLIENTA
Preventing payment card fraud one transaction at a timeSAS helps Nets achieve the lowest payment card fraud levels in Europe.
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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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Artykuł
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
Developing Trust: Uniting Fraud and Consumer Experience Through Digital IdentityFraud and CX used to have a contentious relationship. But with strong foundational digital identity infrastructure, fraud efforts can provide greater insight into the user to enable CX teams to build improved services and offerings.
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White Paper
Procurement integrity powered by continuous monitoringWhy do many otherwise well-intentioned employees feel tempted to commit fraud – and end up being successful for so long? See why you can't afford to wait to take action.
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White Paper
Fraud in CommunicationsIn a digital world where everything is available via the web, there’s a whole new level of fraud. Today’s communications providers must be vigilant. This white paper explains how organizations can implement the tools and methods to detect and combat emerging fraud methods.
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Artykuł
Improving customer experience with digital marketingAdvanced analytics can help bankers predict customer behavior and deliver personalized offers to customers just at the moment they're most open to receiving them.
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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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HISTORIA KLIENTA
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
Enforcing Tax Compliance in a Turbulent WorldIIA spoke with SAS experts to explore innovative ways to use data and analytics to improve operational efficiency, taxpayer engagement, and smart decisions throughout the revenue and compliance process.
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E-book
The Future of Energy & Utilities: Transform Through InnovationThe Energy & Utilities sector is on a countdown to reinvention. The surge in demand for advanced technology, smart cities and electric mobility is converging with the need for renewable energy sources and sustainability.
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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
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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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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HISTORIA KLIENTA
Stopping payment fraud in real timeThe Bank of East Asia uses SAS Fraud Management for payment fraud detection and prevention.
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HISTORIA KLIENTA
Calculating credit risk in half the timeTo stay compliant with Basel regulations, Yapi Kredi relies on SAS to handle millions of data sets.
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HISTORIA KLIENTA
Managing mergers and analytics: Ensuring reliable energy by eliminating riskWhen the Belgian grid operators Eandis, Infrax and Integan merged into Fluvius, the new company turned to SAS for an analytics solution to screen its procurement systems and identify risks at an early stage.
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White Paper
Keys to robust credit risk modeling and decisioning for better customer experienceModernizing 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
Modernizing Asset Liability ManagementChanging priorities in ALM technology, data and analytics.
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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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HISTORIA KLIENTA
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
Operationalizing Analytics for Intelligent Fraud Detection and Case ManagementAs fraudsters scale up, prevention becomes more challenging. To discuss how advanced analytics helps prevent fraud, IIA spoke with Gordon Robinson, Director, Fraud and Security Intelligence at SAS.
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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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Artykuł
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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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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HISTORIA KLIENTA
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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Raport
Chartis names SAS a leader in both Model Risk Governance and Model Validation, 2023.Chartis names SAS a leader in both Model Risk Governance and Model Validation, 2023.
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HISTORIA KLIENTA
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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Artykuł
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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Raport
Matrix: Payment Integrity In HealthcareAccording to this 2021 report on healthcare payment integrity from Aite, SAS' stability as a vendor, its brand recognition and its desirable product features outpace those of its peers.
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Artykuł
Medicaid and benefit fraud in 2018 and beyondTo curb the growing amount of Medicaid and benefit fraud and improper payments, agencies and their commercial counterparts need fraud and abuse detection systems with data management and analysis that can keep up and even stay one step ahead.
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Artykuł
Unemployment fraud meets analytics: Battle lines are clearly drawnMany fraudsters seized opportunities presented by the COVID-19 pandemic. During the crisis, unemployment fraud became a battleground between international criminal networks and government agencies. Learn how analytics can save billions – and deliver benefits to those truly in need.
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Artykuł
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
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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White Paper
Using Modern Analytics to Save Government Programs MillionsNext-generation analytic tools from SAS cut across data and program silos and empower investigators to go on the offensive with fraud operators – without disrupting the efficient and timely delivery of benefits, services or tax refunds.
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HISTORIA KLIENTA
Modernization initiative set to improve taxpayer compliance and moraleThe Malta Tax and Customs Administration automatically detects compliance discrepancies and filing errors with SAS Viya.
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Artykuł
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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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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White Paper
Top Trends: Why Tax Administrators Are Adopting New Data and Analytics StrategiesDespite best efforts, governments lose several trillion dollars annually to the economic crimes of tax evasion and noncompliance. Learn about the top five trends shaping the future for tax administrators.
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HISTORIA KLIENTA
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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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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Artykuł
Continuous monitoring: Stop procurement fraud, waste and abuse nowProcurement fraud, waste and abuse silently robs businesses an average of 5% of spend annually. And even when organizations invest in detection methods, they’re often let down by their techniques. Learn what continuous monitoring is and why this proven analytical method is key to fighting back.
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Artykuł
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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White Paper
Fighting the Rising Tide of Medicaid FraudMedicaid fraud has jumped dramatically in the era of COVID, as increasing complexity of delivery and payment models, along with increased funding, has created openings for fraudsters, including organized crime.
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