sogeti finances ii
TRANSCRIPT
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Europe faces financial and demographic changes
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we prepare for them too:
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"crisis has shown that different
sectors reacted in different ways
to economic shocks"
Demographic change open
different markets to financial
institutions
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Recent financial crisis request better measurement of credit exposure
Societal dynamics are opening new demographics to financial markets
Migration and emancipation are at levels
never seen in the EU
business as usual, yet as never before:
New EU-broad risk-measure
tools are developed right
now
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Financial institutions need to
Leverage EU data for own portfoliosIdentify and target specific emergent
marketsImplement EU directives on financial risk
Financial institutions need to Data Dive
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Data Dive leverages information in a structured and
horizontal approach
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data mining is a
vertical operation: we know
where the resource is,
we go there, we
dig, we get it.
data diving is horizontal: understanding a situation, offers solutions by revealing new connections
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Data DiveUnderstand current data
lakes, design them if needed be
Choose relevant sources of information, explore
themVisualize and present existing and hidden relevant relations
Stream data development, update
analyze and report
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So what does a client gain by Data Dive?
Let's do some diving:
Discovering emerging markets for financial services based on a
given region demographics
Crossing potentialities with actual use of financial services
identify risks dynamics
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From available data, I looked into WorldBank microdata and Fragile States index, from Foreign Policy
World Bank Survey worldwide :
150,000 nationally representative and randomly selected adults (age 15+) in
over 140 countries.
For 10 years the Fragile States Index, published by Foreign Policy, has put countries into perspective by providing an annual snapshot of their vitality and stability
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So I dived and I found...
region fragility is correlated with increased women savings
age and use of financial services are reversely
correlated with region fragility
Women show significant concern with trust on financial institutions
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Financing can grow with conservative
and gender oriented products
Youth financing is risky under
regional economic distress
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Now consider:
This is analysis from 80+ variables from worldwide individual surveys and from a broad socio
economical index.
Each financier has data from own clientele AND there is detailed socio economical data available at European level (maintained by Eurostat, client of
Sogeti)
Combining that with Data Dive, we stand to gain emergent markets for our clients plus the relevant
risks descriptions
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What could bring Microsoft here?
(Azure Event Hubs->stock market->real time analytics)
- a platform to manage the information- a set of tooling that process streaming data
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Shall we make a Azure demo? With stock market data in?