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Driving faster, smarter, more consistent and more efficient decision-making
技术
- 平台即服务 (PaaS) - 数据管理平台
适用行业
- 金融与保险
适用功能
- 商业运营
用例
- 预测性维护
- 欺诈识别
服务
- 系统集成
- 培训
挑战
随着第一国民银行 (FNB) 在南非和邻国扩大业务活动,它发现其决策支持系统在面对来自内部用户、客户和监管机构日益增长的需求时,运行效果并不理想。现有系统缺乏灵活性,因此调整规则以满足新要求的速度缓慢且成本高昂,阻碍了业务敏捷性。现有解决方案无法支持每个国家/地区的不同规则集,因此 FNB 被迫构建规则引擎的多个实例。这意味着昂贵的规则复制和相关的重新开发和测试工作,也意味着总部所做的更改需要很长时间才能传播到子公司国家。由于每月对共享中央规则进行多达 40 次更改,每个更改都必须在 10 个国家/地区单独测试和部署,因此 FNB 的现有方法在开发方面显然效率低下。
关于客户
第一国民银行 (FNB) 成立于 1838 年,是南非历史最悠久的银行,也是该地区最大的金融机构之一。FNB 为个人、商业、企业和公共部门客户提供银行和保险产品。与其他银行一样,FNB 依靠共享的业务规则和评估工具来确保其在所有业务中实现风险和机会之间的最佳平衡。随着其在南非和邻国的业务活动不断扩大,FNB 发现其决策支持系统在内部用户、客户和监管机构日益增长的需求面前并未达到最佳运行状态。
解决方案
在选择在 IBM z/OS 上运行的 IBM Operational Decision Manager 之前,FNB 对来自七家供应商的决策解决方案进行了大规模研究。在概念验证阶段,IBM Operational Decision Manager 证明自己是唯一能够处理 FNB 所需处理的数据量的解决方案。IBM 帮助 FNB 加快了 Operational Decision Manager 的部署,以支持内部信用风险局的固定上线日期。FNB 最初使用在标准大型机处理器上运行的 Java 来处理决策。通过选择以二进制格式输出规则文件并将工作负载转移到专用 zIIP 处理器,FNB 既提高了性能,又降低了 MIPS 消耗。FNB 使用 Operational Decision Manager 构建的第一个新应用程序是 Aggregations,它根据对 24 个月交易历史的分析对客户的信用风险进行评分。
运营影响
数量效益
相关案例.
Case Study
Real-time In-vehicle Monitoring
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Case Study
Safety First with Folksam
The competitiveness of the car insurance market is driving UBI growth as a means for insurance companies to differentiate their customer propositions as well as improving operational efficiency. An insurance model - usage-based insurance ("UBI") - offers possibilities for insurers to do more efficient market segmentation and accurate risk assessment and pricing. Insurers require an IoT solution for the purpose of data collection and performance analysis
Case Study
Smooth Transition to Energy Savings
The building was equipped with four end-of-life Trane water cooled chillers, located in the basement. Johnson Controls installed four York water cooled centrifugal chillers with unit mounted variable speed drives and a total installed cooling capacity of 6,8 MW. Each chiller has a capacity of 1,6 MW (variable to 1.9MW depending upon condenser water temperatures). Johnson Controls needed to design the equipment in such way that it would fit the dimensional constraints of the existing plant area and plant access route but also the specific performance requirements of the client. Morgan Stanley required the chiller plant to match the building load profile, turn down to match the low load requirement when needed and provide an improvement in the Energy Efficiency Ratio across the entire operating range. Other requirements were a reduction in the chiller noise level to improve the working environment in the plant room and a wide operating envelope coupled with intelligent controls to allow possible variation in both flow rate and temperature. The latter was needed to leverage increased capacity from a reduced number of machines during the different installation phases and allow future enhancement to a variable primary flow system.
Case Study
Automated Pallet Labeling Solution for SPR Packaging
SPR Packaging, an American supplier of packaging solutions, was in search of an automated pallet labeling solution that could meet their immediate and future needs. They aimed to equip their lines with automatic printer applicators, but also required a solution that could interface with their accounting software. The challenge was to find a system that could read a 2D code on pallets at the stretch wrapper, track the pallet, and flag any pallets with unread barcodes for inspection. The pallets could be single or double stacked, and the system needed to be able to differentiate between the two. SPR Packaging sought a system integrator with extensive experience in advanced printing and tracking solutions to provide a complete traceability system.
Case Study
Transforming insurance pricing while improving driver safety
The Internet of Things (IoT) is revolutionizing the car insurance industry on a scale not seen since the introduction of the car itself. For decades, premiums have been calculated using proxy-based risk assessment models and historical data. Today, a growing number of innovative companies such as Quebec-based Industrielle Alliance are moving to usage-based insurance (UBI) models, driven by the advancement of telematics technologies and smart tracking devices.
Case Study
MasterCard Improves Customer Experience Through Self-Service Data Prep
Derek Madison, Leader of Business Financial Support at MasterCard, oversees the validation of transactions and cash between two systems, whether they’re MasterCard owned or not. He was charged with identifying new ways to increase efficiency and improve MasterCard processes. At the outset, the 13-person team had to manually reconcile system interfaces using reports that resided on the company’s mainframe. Their first order of business each day was to print 20-30 individual, multi-page reports. Using a ruler to keep their place within each report, they would then hand-key the relevant data, line by line, into Excel for validation. “We’re talking about a task that took 40-80 hours each week,” recalls Madison, “As a growing company with rapidly expanding product offerings, we had to find a better way to prepare this data for analysis.”