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Customer Analytics Banking & Securities

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Debating the Results, Risks, and Opportunities of Payments Analytics - For more infomation visit https://www2.deloitte.com/us/en/pages/deloitte-analytics/articles/deloitte-analytics-banking.html

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Customer Analytics Banking & Securities

  1. 1. Customer Analytics Banking & Securities Debating the Results, Risks, and Opportunities of Payments Analytics
  2. 2. 2Copyright © 2016 Deloitte Development LLC. All rights reserved. Consumer segments are increasing usage of “default payment” options. Come to the session to find out which segments, and how issuers / merchants are reacting Come to discuss how payments innovation is being defined; and how M&A and private equity firms are clashing to create opportunities and threats The payments landscape is at a tipping point now, fueled further by changes in customer expectations. Discover enhanced analytical methods of predicting behavior Discuss effective methods of accumulating data from transactions, cashflow, and spending, allowing real-time analytics to improve offerings to customers Financial institutions need to manage regulatory and privacy risk when building advanced payments analytics. Come to find out risks presented by knowing analytical insights Real-time, faster, and secure payments in the United States puts pressure to innovate on industry incumbents; discover what they are doing to remain leaders Innovations are making the future of payments more seamless, enabling data-driven customer engagement platforms for financial services providers. Source: Deloitte Payments Radar, 9th Edition, 2016.
  3. 3. 3Copyright © 2016 Deloitte Development LLC. All rights reserved. Myth Cognitive is narrow artificial intelligence designed for specific use cases. Seamless human computer interaction is needed Collaborating with vendors / innovators provides a method for privacy compliant offers, transaction analysis, and insight New techniques learn from experience, so payments firms can streamline decision making without waiting for perfect data Reality Cognitive technologies mimic the human brain / think like humans do, thereby replacing knowledge worker positions Updated privacy regulations and consumer perceptions stymie transaction analytics innovation Analytics techniques perform best when there is very good data quality available Separating myths from realities of payments analytics enables businesses to quickly deliver insights / value.
  4. 4. 4Copyright © 2016 Deloitte Development LLC. All rights reserved. What can issuers do to understand 'default payment' digital behaviors and drive growth? How does a payments provider use real-time transaction flow analysis to benefit merchants and consumers? What happens when a bank is unable to identify a new customers' needs within 15 days? How can financial institutions partner with innovators to reduce impacts of disintermediation? Customer payments analytics of the future requires integrated risk, marketing, and compliance. What opportunities do real-time fraud, credit risk, and marketing models provide? How do payments organizations leverage compliance investments to drive growth? How can robotics process automation help streamline regulatory testing? How do stakeholders drive adoption of faster payments? Key Questions Innovation Enablers
  5. 5. 5Copyright © 2016 Deloitte Development LLC. All rights reserved. Contacts Omer Sohail Principal Deloitte Consulting LLP Mobile: +1 214 535 3468 osohail@deloitte.com About Deloitte: Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited, a UK private company limited by guarantee (“DTTL”), its network of member firms, and their related entities. DTTL and each of its member firms are legally separate and independent entities. DTTL (also referred to as “Deloitte Global”) does not provide services to clients. Please see www.deloitte.com/about for a more detailed description of DTTL and its member firms. This publication contains general information only and Deloitte is not, by means of this publication, rendering accounting, business, financial, investment, legal, tax, or other professional advice or services. This publication is not a substitute for such professional advice or services, nor should it be used as a basis for any decision or action that may affect your business. Before making any decision or taking any action that may affect your business, you should consult a qualified professional advisor. Deloitte shall not be responsible for any loss sustained by any person who relies on this publication. Jason Chiu Senior Manager Deloitte Consulting LLP Mobile: +1 408 202 9274 jaschiu@deloitte.com