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- Anti-Money Laundering Reappraised: The Benefits of a Holistic, Risk Based Approach
- The notion that a risk based approach to Anti-Money Laundering AML has forced a reappraisal of strategy is a slightly ambiguous one in today's climate, particularly so given that large financial institutions have now been pursuing such an approach for quite some time. Indeed the current hype surrounding risk-based responses...
- Tags: Risk, Benefit, Financial Company, SAS Institute, Strategy, Financial Services, Security, Management
- White papers 2006-05-01
- Application of Experimental Design in Consumer Direct-Mail Solicitations
- Experimental Design is the well defined plan for data collection, analysis and interpretation. This paper takes a look at how to design experiments using SAS/QC. Examples come from experiments testing consumer preference for direct mail credit card offers. The discussion will focus on designs of experiments using PROC OPTEX, sample...
- Tags: Experiment, Credit Card, SAS Institute, Direct Mail, Experimental Design, Sales Channel, Financial Services, Sales
- White papers 2006-02-28
- Using Data Mining Technology to Identify and Prioritize Emerging Opportunities for Mortgage Lending to Homeownership-Deficient Communities
- The banking sector has undergone rapid change during the past decade. Factors such as rapid technological advances, a booming economy, a broadening of products and services offered, and consolidation have had the greatest impact. As the industry has evolved, the core competencies required to successfully compete have undergone dramatic change....
- Tags: Income, SAS Institute, Banking Sector, Mortgages, Data Mining, Business Intelligence, Banking, Finance, Capital Structures, Enterprise Software, Software, Data Management, Financial Services
- White papers 2005-06-01
- Banque Accord Plays the SAS Card to Control Its Credit Risk
- A subsidiary of international retail giant Auchan, Banque Accord is Auchan's electronic banking service, collecting all payments made by bank cards, checks or proprietary cards. Banque Accord issues millions of proprietary cards, as well as its own Visa and MasterCard bank cards. As with any other financial institution, Banque Accord's...
- Tags: Bank, Electronic Banking, SAS Institute, Banking, Financial Services
- Case studies
- Harness Customer Profitability and Lifetime Value: A Competitive Edge for Regional Banks
- The attendee of this webcast will learn how to determine the value and profitability of the customers; optimize the customer experience through the banking services; increase the effectiveness of the offers by targeting customers based on demographics; maintain the share of the market by differentiating oneself, avoiding acquisition.
- Tags: Bank, SAS Institute, Banking, Financial Services
- Webcasts
- Harness Customer Profitability and Lifetime Value
- The attendee of this webcast will learn how to determine the value and profitability of the customers; optimize the customer experience through the banking services; increase the effectiveness of the offers by targeting customers based on demographics; and maintain the share of the market by differentiating oneself, avoiding acquisition.
- Tags: SAS Institute, Banking, Financial Services
- Webcasts
- The Power of Currency: Achieving High Performance With Right-Time Information
- In an industry whose stock in trade is information, there is perhaps no greater need than quick and easy access to high-quality data. Whether it's a trader, investment manager, risk or compliance officer or back-office staff, each job depends on ready access to the relevant data at time of need....
- Tags: Compliance, High-performance, SAS Institute, Back-office, Basel II, Operational Accounting, Financial Services, Finance
- White papers
- Mathematicians Meet the Market: Graduates Studying Risk Management Are in Demand
- In most countries career opportunities for gifted mathematicians are limited: teaching or research. By contrast, the Centre for Business Mathematics and Informatics of North-West University in Potchefstroom, South Africa can offer its students a range of exciting opportunities in the world of business. Business Mathematics and Informatics BMI is a...
- Tags: SAS Institute, Risk Management, Training, Professional Development, Financial Planning, Financial Services, Strategy, Career, Finance, Management
- Case studies
- BYU Accounting Students Get Real-World Experience With SAS Activity-Based Management
- Brigham Young University BYU, located in Provo, Utah, is home to one of the nation's top five accounting programs, and its graduates frequently go to work for - and have become leaders of - accounting's "Big Four": Deloitte, PricewaterhouseCoopers, KPMG and Ernst & Young. One of the reasons that BYU...
- Tags: Accounting, Activity-based Management, SAS Institute, Operational Accounting, Financial Services, Finance
- Case studies
- CartaSi Uses SAS 9 to Forecast and Contain Financial Charges
- CartaSí is the most commonly used credit card in Italy, with 7.5 million cardholders. CartaSí works by paying "In cash" retailers who sell using this credit card and at the same time financing the credit cardholder until the charge is debited. Therefore the company must bear financial charges for up...
- Tags: Financial, Cardholder, Credit Card, SAS Institute, CartaSÃ, Sales Channel, Financial Services, Sales
- Case studies
- BFBP Chooses SAS to Manage and Control Risk
- Beginning in 2000, Banque Federale des Banques Populaires BFBP launched a project to provide the group with systems and methods compatible with Basel II. The initial work consisted of demonstrating whether the banks' current rating methods were compatible with the Basel II reform. As the project proceeded, however, concern arose...
- Tags: SAS Institute, BFBP, Basel II, Financial Services
- Case studies
- Credit Risk: Making the Most of Basel II
- A recent GartnerG2 Case Study, based on detailed discussions with executive-level business strategists and business managers at Lloyds TSB, found examples of best practices in Credit Risk in operation at the bank which is the second largest retail bank in the UK. This webcast discussion covers the industry context and...
- Tags: Bank, SAS Institute, Basel II, Financial Services
- Webcasts
- The Customer Becomes the Center of the Business Universe
- Many CRM definitions focus on the importance of knowing the customer and acting on that knowledge. Putting this principle into practice is where the complexity lies. The example discussed in this paper illustrates the type of dynamic CRM environment that thought-leading companies are aiming to provide. The story discussed in...
- Tags: Environment, SAS Institute, CRM, Banking, Advertising & Promotion, Customer Relationship Management (CRM), Financial Services, Marketing, Enterprise Software, Software
- White papers
- Brazil's Unibanco Hones Client Strategies With SAS
- Whenever customers interact with their bank, they provide bits of information. Their actions tell the bank which investment and savings products they prefer, for example, and indicate how they like to bank - whether it be online, at the ATM or at the branch office. A wealth of intelligence resides...
- Tags: Strategy, Bank, SAS Institute, Financial Services
- Case studies
- SAS Underpins a Leading-Edge Risk Management System at Swiss Bank ZKB
- Zurcher KantonalBank ZKB - the third-largest bank in Switzerland - finished 2004 with a balance sheet total of more than 80 billion CHF (US$66 billion). The bank continues to live up to its reputation as a risk management specialist, with profits growing at double-digit rates. They focus on three areas...
- Tags: Bank, SAS Institute, Risk Management, Financial Planning, Financial Services, Strategy, Security, Finance, Management
- Case studies
- Woori Bank Reduces Operational Risk With SAS
- Operational risk is an ever-present challenge of the banking industry, inhibiting performance and reducing profits as banks need to keep adequate reserves of capital to cover potential losses. But in recent years, corporate wrongdoing, high-profile fraud and major process failures have put the dangers of operational risk - and the...
- Tags: Bank, SAS Institute, Woori Bank, Financial Services
- Case studies
- Propensity Modeling and Marketing Evolution a Powerful Combination at Yapi Kredi
- Established in 1944, Yapi Kredi Bank has introduced products and services that changed the face of banking in Turkey. In 2002, Yapi Kredi ran cross-selling campaigns to recruit customers to telephone banking, using basic supervised selection methods, and achieved a response rate of 12 percent. But when these campaigns started...
- Tags: Marketing, SAS Institute, Modeling, Banking, Financial Services
- Case studies
- VKB Takes a Proactive Approach to Risk
- Austrian bank VKB VolksKreditBank AG set out to develop a simpler and faster lending process with the goal of reducing its credit risk. Facing issues of employee motivation and acceptance of the Basel II rules, the bank chose SAS for flexibility and technical support resulting in improved credit scoring and...
- Tags: Bank, SAS Institute, VKB, Basel II, Financial Services
- Case studies
- SAS Moves Croatia#$#s Leading Bank Closer to Basel II
- Part of the Milan-based UniCredit Group, Zagrebacka Banka ZaBa is Croatia's largest bank in both market share and assets. In 2002 ZaBa joined the UniCredit Group, one of Europe's most successful financial institutions. The acquisition meant increased impetus within ZaBa to enhance internal processes and address regulatory requirements. SAS was...
- Tags: SAS Institute, ZaBa, Basel II, Financial Services
- Case studies
- University of Siena Student Analyzes the Impact of Basel II on an Italian Enterprise
- In June 2004 the Basel Committee on Banking Supervision issued its most recent version of the Basel II Accord, designed to align capital adequacy assessment more closely with the key elements of banking risks and to provide incentives for banks to enhance their risk management by developing internal rating systems....
- Tags: SAS Institute, Basel II, Financial Services
- Case studies
White Papers and Webcasts