Oracle · DW architecture Banking data model Case study : typical functionality Oracle’s DW...
Transcript of Oracle · DW architecture Banking data model Case study : typical functionality Oracle’s DW...
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Agenda
� Data warehouse definition� Business drivers in financial services� DW architecture� Banking data model� Case study : typical functionality� Oracle’s DW technology� Competitive landscape
DatawarehousesDefinition
DatawarehousesDefinition
Datawarehouses
� One of the greatest assets of an organization is the informationthat it gathers in the course of its day-to-day operations.
� Unfortunately, much of this information is inaccessible, buried in disparate legacy data systems.
� Data warehousing is the process of extracting data from operational systems and other sources, transforming it to a consistent format, and making that data accessible to business analysts.
To support the strategic business goals of the Bank
Increase Sales• Cross selling, up selling
• Effective marketing
• Customer acquisition, prevent churn
• Performance incentives
Decrease Costs• Efficient focused marketing
• Identified inactive customers
• Optimized channel management
Competitive edge• Improved customer care
• Proactive, fast product development
Analyse all internal and external datasources !
Why operative systems can not be used directly ?
Subject orientedIntegratedStableHistoricalBusiness decision support
Application orientedIntegration is limitedContinously changingOnly actual dataSupports daily operation
Transaction data Information data
Transaction and information data are basicaly different
Lineage
• Long and complex implementation • Escalating maintenance costs• Poor and incomplete solution
Query & Analysis
Name/AddressScrubbing
ETLTool
TransformationEngine
MiningEngine
DatabaseDatabase
OLAPEngine
Analytic Apps
ReportingEngine
EnterpriseReporting
Portal
ETL Tool
TransformationEngine
A common problem –Non Cohesive Information Architecture
The solution : Datawarehouse
Marketing
Sales
Finance
Data Warehouse
OperationalSystems
DiscovererDiscoverer
ReportsReports
PortalPortal
DatawarehousesArchitecture
DatawarehousesArchitecture
Data warehouse layers and processes
Core banking systems Equation Transact AM Arksys
KHB Data Warehouse
CRMRisk Marke-
tingFinan-
ce
Data warehouseof the Bank
Datamarts
Applications(analysis, forecasts, reports)
Campaign plan
Campaign anal.Data mining Reports …………….
Business functionse.g. :
Campaignmgmt.
Salessupport
Basel IIanalytics
Iker Zeus
Logical data model
Data cleaning and validation, transformation, load Data cleaning and validation, transformation, load
….
ETL tools
MIS
Data warehouse layers and processes I.
Core banking systems Equation Transact AM Arksys
KHB Data Warehouse
CRMRisk Marke-
tingFinan-ce
Data warehouseof the Bank
Datamarts
Applications(analysis, forecasts, reports)
Campaign plan
Campaign anal.Data mining Reports …………….
Business functionse.g. :
Campaignmgmt.
Salessupport
Basel IIanalytics
Iker Zeus
Logical data model
Data cleaning and validation, transformation, load Data cleaning and validation, transformation, load
….
ETL tools
MIS
Data extraction, load and validation
These programs perform data extraction and validation for the data warehouse. Rule based systems monitor, audit and correct data during the transfer. Core banking systems on different technology platform can be accessed and mapped by Oracle Data Warehouse Builder.
Data warehouse layers and processes II.
Core banking systems Equation Transact AM Arksys
KHB Data Warehouse
CRMRisk Marke-
tingFinan-ce
Data warehouseof the Bank
Datamarts
Applications(analysis, forecasts, reports)
Campaign plan
Campaign anal.Data mining Reports …………….
Business functionse.g. :
Campaignmgmt.
Salessupport
Basel IIanalytics
Iker Zeus
Logical data model
Data cleaning and validation, transformation, load Data cleaning and validation, transformation, load
….
ETL tools
MISData warehouse
Historical database optimized for load and redundancy free storage. Contains the transactions of the core banking systems and the aggregates from these (client, account, product, contract) and external data sources. It is based on a logical data model.
Data warehouse layers and processes III.
Core banking systems Equation Transact AM Arksys
KHB Data Warehouse
CRMRisk Marke-
tingFinan-
ce
Data warehouseof the Bank
Datamarts
Applications(analysis, forecasts, reports)
Campaign plan
Campaign anal.Data mining Reports …………….
Business functionse.g. :
Campaignmgmt.
Salessupport
Basel IIanalytics
Iker Zeus
Logical data model
Data cleaning and validation, transformation, load Data cleaning and validation, transformation, load
….
ETL tools
MIS
Datamarts:
Database optimized for queries and analysis for a given user group or analytical domain. Mostly aggregated data in star schema. Added to the system according to the actual needs.
Data warehouse layers and processes IV.
Core banking systems Equation Transact AM Arksys
KHB Data Warehouse
CRMRisk Marke-
tingFinan-ce
Data warehouseof the Bank
Datamarts
Applications(analysis, forecasts, reports)
Campaign plan
Campaign anal.Data mining Reports …………….
Business functionse.g. :
Campaignmgmt.
Salessupport
Basel IIanalytics
Iker Zeus
Logical data model
Data cleaning and validation, transformation, load Data cleaning and validation, transformation, load
….
ETL tools
MIS
Applications and reports:
Analytical applications or reports which get their data from the data warehouse or from the datamarts. User interfaces to the business functionalities.
Data warehouse layers and processes V.
Core banking systems Equation Transact AM Arksys
KHB Data Warehouse
CRMRisk Marke-
tingFinan-ce
Data warehouseof the Bank
Datamarts
Applications(analysis, forecasts, reports)
Campaign plan
Campaign anal.Data mining Reports …………….
Business functionse.g. :
Campaignmgmt.
Salessupport
Basel IIanalytics
Iker Zeus
Logical data model
Data cleaning and validation, transformation, load Data cleaning and validation, transformation, load
….
ETL tools
MIS
DatawarehousesLogical datamodelDatawarehouses
Logical datamodel
Logical datamodel – plan to build a data warehouse
The datamodel is strongly linked to the business functionality
� Save time and money by building on years of experience
� Defines data attributes required for management information across the enterprise
� Introduces data consistency across the organisation
Banking Data Model – Benefits
Oracle’s Banking Data Model
Client
Contract & account
Organisation Transactions
Balances
ChannelProduct
Client event
Campaign
DatawarehousesSample business
functionality
DatawarehousesSample business
functionality
Which products, services provide value to whom ?Whom to offer which product, service, ... ?Which channels should be offered / used ?
When should you make your offer / contact ?Whom can you offer which discounts, rewards, service levels ?
Who will most likely churn, respond, buy, ... ?How to interact with Customers (agent, web, ..) ?
What is analytical CRM ?Understand customer needs, value
identify using/buying pattern & trends discover causal relationships
Refine strategies for customer acquisition, service, growth and retention React timely to changed customer behavior and new market conditions
CRM analytics support decisions for questions like:
CRM analytics enables you to:
DW based business applications
DW based business applications
Core banking systems
Core banking systems
Analitical CRMAnalitical CRM• Portfolio analysis• Customer value• Cross sell• Geographical segmentation• Demographical segmentation• Customer value segmentation
• Portfolio analysis• Customer value• Cross sell• Geographical segmentation• Demographical segmentation• Customer value segmentation
Operatíve CRMOperatíve CRM
ReportingReporting• Ad-hoc and standard reports• Portal• Ad-hoc and standard reports• Portal
Controlling Controlling
Risk managementRisk managementBasel II. data collectionBasel II. data collection
Küls� adatkörök
•Equation – accounts
•Transact – retail customer rating
•AM – corporate rating
•IKER – card applic.
•Arksys – credit cards
• Supershop
•Collateral system
•Aloé – prospects
•SAP – Gen. Ledger
•Equation – accounts
•Transact – retail customer rating
•AM – corporate rating
•IKER – card applic.
•Arksys – credit cards
• Supershop
•Collateral system
•Aloé – prospects
•SAP – Gen. Ledger
Bels� forrásrendszerek
DW infrastructureDW infrastructureBanking DatamodelBanking Datamodel
Data processes• Data extraction, transfer, verification and
load - ETL• Aggregation• Existing processes:
• Data cleaning• Coding, recoding• Allocations
Data processes• Data extraction, transfer, verification and
load - ETL• Aggregation• Existing processes:
• Data cleaning• Coding, recoding• Allocations
Operation processes• Archive, restore, storage mgmt.• Data processing and monitoring• Access rights, security
Operation processes• Archive, restore, storage mgmt.• Data processing and monitoring• Access rights, security
Transactional Datamodel
Transactional Datamodel
DatamartsDatamarts
Cutomer relationship data
Cutomer relationship data
Basel II. Data architecture
Basel II. Data architecture
ControllingControlling
OtherOther
DW based business applications
DW based business applications
Core banking systems
Core banking systems
Analitical CRMAnalitical CRM• Portfolio analysis• Customer value• Cross sell• Geographical segmentation• Demographical segmentation• Customer value segmentation• Churn analysis• Behaviour segmentation• Affinity models• Life-time value• Data mining
• Portfolio analysis• Customer value• Cross sell• Geographical segmentation• Demographical segmentation• Customer value segmentation• Churn analysis• Behaviour segmentation• Affinity models• Life-time value• Data mining
Operatíve CRMOperatíve CRM• Complete campaign management• Event triggered campaigns• Feedback to core bankin systems
• Complete campaign management• Event triggered campaigns• Feedback to core bankin systems
ReportingReporting• Ad-hoc and standard reports• Portal• Regulatory reporting (Basel 2)
• Ad-hoc and standard reports• Portal• Regulatory reporting (Basel 2)
Controlling Controlling • Transfer pricing• Account level cost allocations• Customer profitability• Product profitability• Process efficiency
• Transfer pricing• Account level cost allocations• Customer profitability• Product profitability• Process efficiency
Risk managementRisk managementBasel II. data collectionBasel II. Risk reporting and analysis• Credit and operation risk• Interest rate risk
Basel II. data collectionBasel II. Risk reporting and analysis• Credit and operation risk• Interest rate risk
Küls� adatkörök
•Equation – accounts
•Transact – retail customer rating
•AM – corporate rating
•IKER – card applic.
•Arksys – credit cards
• Supershop
•Collateral system
•Aloé – prospects
•SAP – Gen. Ledger
•EBA – cash transactions
•MUREX – treasury, derivatives, trading
•ZEUS – security accounts
•SAP – costs
•Leasing, Pension fund, Life insurance, Broker
•IQFMS – custody, funds
•Equation – accounts
•Transact – retail customer rating
•AM – corporate rating
•IKER – card applic.
•Arksys – credit cards
• Supershop
•Collateral system
•Aloé – prospects
•SAP – Gen. Ledger
•EBA – cash transactions
•MUREX – treasury, derivatives, trading
•ZEUS – security accounts
•SAP – costs
•Leasing, Pension fund, Life insurance, Broker
•IQFMS – custody, funds
Bels� forrásrendszerek
DW infrastructureDW infrastructureBanking DatamodelBanking Datamodel
Data processes• Data extraction, transfer, verification and
load - ETL• Aggregation• Existing processes:
• Data cleaning• Coding, recoding• Allocations
Data processes• Data extraction, transfer, verification and
load - ETL• Aggregation• Existing processes:
• Data cleaning• Coding, recoding• Allocations
Operation processes• Archive, restore, storage mgmt.• Data processing and monitoring• Access rights, security
Operation processes• Archive, restore, storage mgmt.• Data processing and monitoring• Access rights, security
DatamartsDatamarts
Cutomer relationship data
Cutomer relationship data
Basel II. Data architecture
Basel II. Data architecture
ControllingControlling
OtherOther
Transactional Datamodel
Transactional Datamodel
DW based business applications
DW based business applications
Core banking systems
Core banking systems
Analitical CRMAnalitical CRM• Portfolio analysis• Customer value• Cross sell• Geographical segmentation• Demographical segmentation• Customer value segmentation• Churn analysis• Behaviour segmentation• Affinity models• Life-time value• Data mining
• Portfolio analysis• Customer value• Cross sell• Geographical segmentation• Demographical segmentation• Customer value segmentation• Churn analysis• Behaviour segmentation• Affinity models• Life-time value• Data mining
Operatíve CRMOperatíve CRM• Complete campaign management• Event triggered campaigns• Feedback to core bankin systems
• Complete campaign management• Event triggered campaigns• Feedback to core bankin systems
ReportingReporting• Ad-hoc and standard reports• Portal• Regulatory reporting (Basel 2)
• Ad-hoc and standard reports• Portal• Regulatory reporting (Basel 2)
Controlling Controlling • Transfer pricing• Account level cost allocations• Customer profitability• Product profitability• Process efficiency
• Transfer pricing• Account level cost allocations• Customer profitability• Product profitability• Process efficiency
Risk managementRisk managementBasel II. data collectionBasel II. Risk reporting and analysis• Credit and operation risk• Interest rate risk
Basel II. data collectionBasel II. Risk reporting and analysis• Credit and operation risk• Interest rate risk
Küls� adatkörök
•Equation – accounts
•Transact – retail customer rating
•AM – corporate rating
•IKER – card applic.
•Arksys – credit cards
• Supershop
•Collateral system
•Aloé – prospects
•SAP – Gen. Ledger
•EBA – cash transactions
•MUREX – treasury, derivatives, trading
•ZEUS – security accounts
•SAP – costs
•Leasing, Pension fund, Life insurance, Broker
•IQFMS – custody, funds
•Equation – accounts
•Transact – retail customer rating
•AM – corporate rating
•IKER – card applic.
•Arksys – credit cards
• Supershop
•Collateral system
•Aloé – prospects
•SAP – Gen. Ledger
•EBA – cash transactions
•MUREX – treasury, derivatives, trading
•ZEUS – security accounts
•SAP – costs
•Leasing, Pension fund, Life insurance, Broker
•IQFMS – custody, funds
Bels� forrásrendszerek
DW infrastructureDW infrastructureBanking DatamodelBanking Datamodel
Data processes• Data extraction, transfer, verification and
load - ETL• Aggregation• Existing processes:
• Data cleaning• Coding, recoding• Allocations
Data processes• Data extraction, transfer, verification and
load - ETL• Aggregation• Existing processes:
• Data cleaning• Coding, recoding• Allocations
Operation processes• Archive, restore, storage mgmt.• Data processing and monitoring• Access rights, security
Operation processes• Archive, restore, storage mgmt.• Data processing and monitoring• Access rights, security
DatamartsDatamarts
Cutomer relationship data
Cutomer relationship data
Basel II. Data architecture
Basel II. Data architecture
ControllingControlling
OtherOther
Datamining OptionDatamining OptionDatamining Option
Customer OnlineCustomer OnlineCustomer Online
Sales OnlineSales OnlineSales Online
Performance AnalyzerPerformance AnalyzerPerformance Analyzer
Transfer PricingTransfer PricingTransfer Pricing
Risk ManagerRiskRisk ManagerManager
Basel II Risk EngineBasel II Risk EngineBasel II Risk Engine
APPLICATIONSAPPLICATIONS
Transactional Datamodel
Transactional Datamodel
Oracle’sDatawarehouse
Technology
Oracle’sDatawarehouse
Technology
The Old Way:Fragmented Information Supply Chain
Data Data WarehouseWarehouse
EngineEngine
DataIntegrationEngine
OLAPEngine
MiningEngine
• Long implementation and maintenance cycle– Synchronization and integration issues– Administration costs– Management chaos
� The Wrong Answer– Inconsistent copies of information– Much of it inaccessible to your applications
� At the Wrong Time– It takes too long to produce the information you want
The Wrong Architecture Yields
Business Intelligence with OracleSingle, Integrated Business Intelligence Engine
• Reduced Complexity & Deployment Costs
Data Warehousing
ETL
OLAP
Data Mining
Oracle9Oracle9iiDBDB • Consistency• Collaboration• Accuracy• Scalability• Security• Ease of Development
OLAP & SQL Analytics
Data Mining
ETL
Faster Deployment of Complete Solutions
Discoverer &
Reports
Warehouse B
uilder
Personalization
Jdeveloper&
BI Beans
PORTAL
Business Intelligence with OracleReduced Complexity and Deployment Costs
Oracle 7.3Oracle 7.3
Continous Innovation
� Partitioned Tables and Indexes� Partition Pruning� Parallel Index Scans� Parallel Insert, Update, Delete� Parallel Bitmap Star Query� Parallel ANALYZE� Parallel Constraint Enabling� Server Managed Backup/Recovery� Point-in-Time Recovery
� Partitioned Tables and Indexes� Partition Pruning� Parallel Index Scans� Parallel Insert, Update, Delete� Parallel Bitmap Star Query� Parallel ANALYZE� Parallel Constraint Enabling� Server Managed Backup/Recovery� Point-in-Time Recovery
Oracle 8.0Oracle 8.0
� Hash and Composite Partitioning� Resource Manager� Progress Monitor� Adaptive Parallel Query� Server-based Analytic Functions� Materialized Views� Transportable Tablespaces� Direct Loader API� Functional Indexes� Partition-wise Joins� Security Enhancements
� Hash and Composite Partitioning� Resource Manager� Progress Monitor� Adaptive Parallel Query� Server-based Analytic Functions� Materialized Views� Transportable Tablespaces� Direct Loader API� Functional Indexes� Partition-wise Joins� Security Enhancements
Oracle9iOracle9i
� List and Range-List Partitioning� Table Compression� Bitmap Join Index� Self-Tuning Runtime Memory � New Analytic Functions� Grouping Sets� External Tables� MERGE� Multi-Table Insert� Proactive Query Governing� System Managed Undo
� List and Range-List Partitioning� Table Compression� Bitmap Join Index� Self-Tuning Runtime Memory � New Analytic Functions� Grouping Sets� External Tables� MERGE� Multi-Table Insert� Proactive Query Governing� System Managed Undo
Oracle8iOracle8i
Oracle10gOracle10g� Self-tuning SQL Optimization� SQL Access Advisor� Automatic Storage Manager� Self-tuning Memory� Change Data Capture� SQL Models� SQL Frequent Itemsets� SQL Partition Outer Joins� Statistical functions� and much more ...
� Self-tuning SQL Optimization� SQL Access Advisor� Automatic Storage Manager� Self-tuning Memory� Change Data Capture� SQL Models� SQL Frequent Itemsets� SQL Partition Outer Joins� Statistical functions� and much more ...
Oracle9i -Oracle Warehouse Builder Option
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