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Kuda Bank's Journey to Profitability through Data Visibility
技术
- 分析与建模 - 预测分析
- 基础设施即服务 (IaaS) - 云数据库
适用行业
- 水泥
- 金融与保险
适用功能
- 销售与市场营销
用例
- 行为与情绪追踪
- 泄漏与洪水监测
挑战
Kuda 是一家于 2019 年在尼日利亚推出的数字银行,六个月内客户数量增加了四倍。作为一家移动优先的数字公司,Kuda 认识到数据驱动的必要性,并认为现代数据堆栈对于实现其目标至关重要。最初,一个五人数据团队手动构建数据管道,并依靠 SQL Server Reporting Services (SSRS) 从事务数据库中提取见解。他们的数据被分成 12 个不同的 Azure SQL 数据库,无法成功连接内部源中的数据。该团队希望不再在 OLTP 数据库上运行 OLAP 查询,事实证明这是一项具有挑战性的任务。他们需要一个更具可扩展性的解决方案,使他们不必构建和管理数据管道。
关于客户
Kuda 是一家数字银行,于 2019 年在尼日利亚推出。它通过一款包含跟踪支出和资金管理工具的应用程序,为该国居民提供更简单的个人财务管理方式。该银行一直处于惊人的增长轨道,客户数量在短短六个月内增加了四倍。作为一家敏捷、移动优先的数字公司,Kuda 认识到数据驱动的必要性,并认为现代数据堆栈对于实现其目标至关重要。
解决方案
Kuda 决定使用 Fivetran 进行 ELT,并使用 dbt 在 BigQuery 中执行数据转换。选择 Fivetran 作为数据管道,Google BigQuery 作为数据仓库,dbt 用于数据转换,Looker 作为 BI 工具。最有价值的数据来自 Kuda 面向客户的核心银行交易系统,其中包括有关客户获取、产品和服务监控的指标。 Kuda 还使用先进的信用评分分析技术,根据数据向客户提供更明智的透支服务,从而降低风险。对来自客户对话平台 Intercom 的数据进行分析,以帮助支持团队分配资源并针对他们最有可能被问到的问题类型进行规划。目标是改善客户体验并利用洞察力创建更好的客户参与模型。
运营影响
数量效益
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