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Data Warehousing And BI Implementation In HDFC Bank Zenita

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Data Warehousing And BI Implementation In HDFC Bank Zenita Powered By Docstoc
					  Data Warehousing
And BI Implementation
   In HDFC Bank



               Zenita Ichhaporia
        (zenita.ichhaporia@hdfcbank.com)
                  Agenda
•   Introduction
•   BI Tools Used For Decision Making
•   BI Usage in HDFC Bank
•   Organizational Preparedness
•   HDFC Bank DWH Implementation
Introduction
              Product
              Analysis       Profitability
                                                    Customer
                                                    Segment
                      Data                          Analysis
 Online

                     IS
               WhatRisk BI ?
                      Warehouse
 analytical
 processing
                                                    Data
                               Analysis             Mining
MIS &          Statistical
Reports                                      Forecasting
               Analysis
    Wikipedia Defination Of BI
• Business intelligence (BI) is a business
  management term, which refers to applications
  and technologies that are used to gather, provide
  access to, and analyze data and information about
  company operations.
• Business intelligence systems can help companies
  have a more comprehensive knowledge of the
  factors affecting their business, such as metrics on
  sales, production, internal operations, and they can
  help companies to make better business decisions.
     BI Usage In HDFC Bank
• Cross-Sell and Up sell
• Know Your Customer
• Develop New services and products
• Fraud Detection
• Establish Customer’s Credit worthiness for
  giving a loan
• Rating of SMEs and Corporates based on
  Industry Standards
     Organizational Preparedness
• Critical Mass of data
    – 684 branches
    – 1605 ATMs across 316 towns and cities.
•   Organizational Culture
•   Top Management Direction
•   Readiness to invest
•   Computerized Core Banking Systems
•   Availability of a central repository of data
 HDFC Bank
Implementation
Multiple Systems
The Process
          The Consolidation

                    BS




                               Drill Down
                    P&L
Roll Up




                    GL


                Transactions


                 Customer
Slicing And Dicing

                  Age

 Average
                            Time
 Balance


                Analysis

Profitability              Channel

                 Product
                 Holding
Analytics
             CRM Analytics
•   New Customer
•   X-Sell
•   Product Holding
•   Customer Attrition
Pattern of Acquisition of First Liability Product

                   7%
             4%
                      2%

                                             Current Accts
                                             OD
                                             Savings
                                             Term Dep


            87%
          Profitability Analysis
•   Profitability Analysis
•   Customer Profitability – Financial
•   Customer Profitability – Usage
•   Customer Profitability - Marketing
Profitable Customer ?
 Deposit - 15 Lacs




The Opportunity ……
  Salary Accounts
  Car Loans
  Personal Loans
  Low cost channels
Deposit 1.5 Lacs
Hidden Customer
            Channel Analysis
•   Channel Preference
•   ATM Transactions
•   Branch Transactions
•   Telephone Banking
•   Net Banking
•   Mobile Banking
•   POS
                Retail Risk
•   Delinquency Analysis
•   Age on Book
•   Cheques Presentation
•   Loan Analysis
•   Retail Concentration
                     DWH Architecture
Sources         Acquisition                   Management               User Access




                           De-Duping
                           Cleansing
  Finware                                                               Data Mining

  FinOne
                Staging                         EDW
  Vision Plus
                 Area                                                         Reports
  Flex@

  TPP                                            MIS
                 ODS                                       OLAP Tool
  Base24                  ETL Tool
  Debos                                        Reports                   Analysis

  Others
                  Mktg
                              Householding


                                               Marketing
                                                                            Unica

                Contact
OCRM
                                             Weekly Load                   CRM
                        Data Repository
Enterprise Data   Business          User
Warehouse         Applications      Access




                         Basel
                                               Call Centers &
                                                 Branches




                          AML

     EDW
                                              Unica
                                          (data preparation,
                                            data analysis,
                        Marketing             campaign
                                             execution &
                                              modeling)




                         Scoring
                                             Origination
                                              Systems
               Challenges
•   Ownership
•   Continuous Development
•   Large infra Structure
•   Usage
•   Definitions
•   Commitment

				
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