En esta sesión se explicarán algunos de los retos y amenazas a los que se enfrentan el entorno financiero derivados de la necesaria transformación digital. Durante la conferencia se expondrán casos de uso reales de proyectos desarrollados por los equipos de analítica de BBVA que demuestran el potencial de los datos para generar productos que agregan valor a la relación con los clientes y contribuyen a solventar sus necesidades.

1. Big Data Analytics at
BBVA

2. Demystifying Big Data / 2
Diego J. Bodas Sagi
Data Scientist at BBVA Data & Analytics
PhD. AI
MBA
PMP
MSc. in Mathematic
@DiegoBodasSagi
diegobodas@yahoo.es

3. Big Data Analytics at BBVA
BBVA Data & Analytics
The Analytic Center of Excellence of
BBVA (fully owned subsidiary)
Goal: to globally drive BBVA
transformation into a digital data-driven
business
45 people from 10 countries, 33%
women, 16 PhDs
Madrid - Barcelona - México D.F.

4. Big Data Analytics at BBVA
Outlines
 New opportunities
 The data-driven company
 New context
 BBVA examples

5. Big Data Analytics at BBVA
Vídeo del presidente

6. Big Data Analytics at BBVA
Vídeo Carlos Torres

7. Big Data Analytics at BBVA
Vídeo peace of mind

8. Big Data Analytics at BBVA
Una compañía data-driven
Comprenden lo que el cliente quiere de ellas.
Ajustan sus experiencias a la expectativas del cliente
Entienden el trade-off confianza-datos en su relación con el cliente
Usan los datos de forma automática en sus decisiones
Gracias a los datos, aprenden y se adaptan de manera ágil
¿Qué tienen
en común
las empresas
data-driven?Elena Alfaro
Global Head of Data &
Open Innovation

9. Big Data Analytics at BBVA
Why?
• To Be Data-Driven: support & eliminate decision making

10. New context
New Technologies
New Expectations
from our Customers
New Regulations
Multichannel interactions
& cloud computing
Inmediate answers
& customized solutions
New challenges
& new opportunities

11. Big Data Analytics at BBVA
Big Data is the answer,
but what is the
question?

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The
Knowledge
Hierarchy
predict
recommend
score and rate
classify
detect
optimize

13. Big Data Analytics at BBVA
Impact

14. For BBVA
decision making:
Customer Knowledge
Risk & Fraud Analytics

15. Big Data Analytics at BBVA
Client X9TSX445
Bought in Zara Gran Vía on
Thursday 19th 2017 at13:50
What we see
Time & Space

16. Big Data Analytics at BBVA
Client X9TSX445
demographic data
Time & Space
Profiles & Behaviors
15€
78€
22€
12€
33€
11€9€
12€
12€
99€
25€
25€
25€
What we see

17. Big Data Analytics at BBVA
Time & Space
Profiles & Behaviors
Patterns
15€
25€
Time
Accountbalance 9€
99€
11€
Client X9TSX445
has a money-saving
profile
What we see

18. Big Data Analytics at BBVA
Time & Space
Profiles & Behaviors
Patterns
Relations
What we see

19. Big Data Analytics at BBVA
Risk & Fraud data products
Risk & Fraud
vs

20. Big Data Analytics at BBVA

21. Big Data Analytics at BBVA
04/07/16 REPSOL
56,72
05/07/16 RESTAURANT FORN
10,00
05/07/16 RETIRADA EFECT.
40,00
06/07/16 PAGO COMUNIDAD
30,00
07/07/16 HOLY SUSHI
9,95
07/07/16 ZARA
19,95
…
Account operations
Categorizer
Categorization engine

22. Categorization
Engine

23. Big Data Analytics at BBVA
• Processes 30M monthly time series derived from customers expenses & incomes
• Will feed functionalities such as financial calendar or financial alerts
Anticipating: Financial Calendar
04/07/16 REPSOL
56,72
05/07/16 RESTAURANT FORN
10,00
05/07/16 RETIRADA EFECT.
40,00
06/07/16 PAGO COMUNIDAD
30,00
…
M-5 M-4 M-3 M-2 M-1 M
Output: Forecast for next month
If possible, next date
Input: Monthly Data
Prediction
engine

24. For businesses:
Commerce360
Democratize contextual business
intelligence to small retailers
https://www.commerce360.es/

25. Big Data Analytics at BBVA
What does a retailer really know?
vs

26. Big Data Analytics at BBVA

27. Big Data Analytics at BBVA

28. Big Data Analytics at BBVA
We do apply privacy filters
to generate statistics
involving a minimum
number of cardholders
and commerces

29. The Data-Driven Bank / 29

30. Big Data Analytics at BBVA

31. Big Data Analytics at BBVA

32. Big Data Analytics at BBVA
For urban and
tourism managers
& 3rd parties
Detailed reporting on mobility and
economic impact of events, tourism and
decision making. Data as a service
http://bbvatourism.vizzuality.com/

33. Big Data Analytics at BBVA
DATA
Urban & Tourism Analytics

34. Data Democratization

36. Big Data Analytics at BBVA

37. For
social good:
Hurricane Odile
Measuring economic resilience to
disasters in partnership with United
Nations and BBVA Bancomer
http://odile.bbvadata.com/

38. odile.bbvadata.com

39. Big Data Analytics at BBVA

40. Big Data Analytics at BBVA

41. Big Data Analytics at BBVA

43. Thank you!
“DATA IS THE NEW OIL?
NO: DATA IS THE NEW SOIL”
DAVID MCCANDLESS