Frase 1: O documento discute como implementar aplicações disruptivas de Internet das Coisas (IoT) na indústria financeira, identificando processos que podem ser melhorados com IoT e como construir um time para fazer projetos de IoT acontecerem.
Frase 2: É destacado que IoT, sem análise de dados e melhoria de processos, não é verdadeiramente IoT e sim apenas telemetria, e são explicados os tipos de análise de dados - descritiva, preditiva e prescritiva - que apoiam decisões inteligentes.
IoT: Aplicações disruptivas na Indústria Financeira e como fazê-las acontecer
1. Fernando Nogueira Cesar
Dell OEM & IoT, Latam
fernando.cesar@dell.com
IoT: Aplicações disruptivas
na indústria financeira,
e como fazê-las acontecer...
3. Os objetos a nossa volta poderão
compartilhar seus status e suas
experiências com outros objetos
Frase 1:
“Implementar IoT é dar
uma voz digital para
as coisas”
A Internet está evoluindo:
4. ...alguém tem de estar escutando o que
as coisas dizem e fazer algo a respeito!
Frase 2:
“IoT, sem Analytics e sem
melhoria de Processos,
não é IoT... é só telemetria”
Porém...
5. Analytics: o “Smart” em toda “smart-alguma-coisa”
Os dados coletados das coisas são armazenados em estruturas de Big
Data para serem analisados e para apoiarem decisões inteligentes
Análise DESCRITIVA: O que está acontecendo? Por quê?
Descobre padrões e correlações entre estes padrões
Análise PREDITIVA: O que vai acontecer?
Prediz o que acontecerá, caso nada se altere
Análise PRESCRITIVA: O que se pode fazer melhor?
Prescreve melhorias de processos via aprendizado de máquina,
inteligência artificial e simulações
8. loT: o “time”
Sensores:
Fabricantes
Gateways:
Fabricantes
e ISVs
WAN:
Operadoras
Data Center:
Fabricantes
e Cloud
Providers
Analytics e
integração com
demais sistemas:
ISVs e
Consultorias
Integradores e Consultorias
Frase 3:
“IoT é um esporte de grupo”
9. Agora... algumas possíveis aplicações
disruptivas de IoT no setor financeiro
“Customer’s Digital Profiling”:
• UBI (Usage Based Insurance)
• Smart Lending / Smart Investing
“Asset Monitoring and Analysis”:
• Smart Leasing
• Smart ATMs
• Smart Lines at bank branches
11. loT: exemplo
Seguro Veicular PHYD - Pay How You Drive
(Usage Based Insurance)
Insured Customer Insurer
OBD-II
Bluetooth dongle
12. Selecionar
processos
Conectar
coisas
Analisar
dados
Melhorar
processos
loT: como “fazer acontecer”
• Identificar processos mal monitorados. Exemplos:
• Hábitos de consumo dos clientes
• Avaliação de risco de seguro, de empréstimo
• Estado (e valor residual) dos bens em leasing
• Tamanho das filas nos bancos
• ATMs: circulação pessoas, equipamento, limpeza
• Escolher um processo com maior potencial de ganho e
menor custo de implementação de projeto IoT
• Garantir a montagem do “Time IoT”:
• Consultoria, Integrador, ISV, fornecedor do
Hardware, da Cloud, a Operadora
• Conectar as coisas
• Dica: muitos sensores já existem, mas não estão
conectados!
• Analisar dados e gerar “insights”
• Melhorar o processo
• Reiniciar...
15. Diversos prêmios “BEST”
de design de produto
Reconhecida liderança
de mercado
Mais de 50 “Dell
IoT Partners”
Reference: Top 20 IoT Enterprise Market Leader (CRN by TBR)
Como a Dell EMC pode ajudar?
IoT Partner Ecosystem of the Year, 2017
At Dell Technologies we see the business value of IoT manifested in 4 different ways.
Operational efficiency – improving the effectiveness of your operations and reducing cost
Customer experience – engaging customers in a new way to improve their experiences
Mitigating Risk
New Revenue Models
With the 50B new connected devices in the IoT it is not possible or efficient to send all of that data directly to the cloud. In fact some analysts predict that only >40% or less of IoT data will ever make it to the data center/cloud for processing or storage. That is because so much of the IoT machine data is what we call ‘perishable’ or only valuable for a couple of seconds when action can be taken on it. So much of the data is also only valuable when it is integrated with other data sources to identify events or insights. Take a building for example, the data from a connected lightbulb saying “I’m on, I’m on, I’m on” is not valuable unless it is correlated with the occupancy sensors, the security cameras, and thermostat where action can be taken.
That is why Dell recommends a distributed architecture for the IoT giving you flexibility to deploy processing and storage wherever it makes sense. This enables you to unlock the value of both existing and new data to increase efficiency, improve customer experience, or create new revenue streams and business models (Digital Transformation). Analytics, security, and manageability must also be distributed throughout the architecture.
Starting on the left is the Edge where the ‘Thing’ or Machine resides. This might be on a factory floor, in a 18 wheeler, a building controls room, or a remote oil well. Dell is not producing sensors for the IoT but we have developed Embedded PCs to gather data and control the ‘Things’.
Along some ‘Things’ will communicate directly to the Cloud, Gartner predicts that 90% of new IoT deployments by 2020 will include a gateway. The gateway is the aggregation point of multiple ‘things’ where it normalizes the data from multiple OT (BACnet, Profinet, etc.) and IT (Bluetooth, ZigBee, WiFi) protocols, and processed to determine insights from the perishable data.
Depending on the use case, critical data identified by the gateway is then passed on to an on premise computing and storage solution located in what is called the Fog. The on premise solution will conduct big data analytics on the local data and complete local reporting.
Finally the data worth storing and completing deeper analysis on is then transferred to the cloud/data center. This is also where existing IT system data is integrated with the OT data and machine learning takes place to refine the use case based analytical models. You will see that the arrows throughout the architecture are 2-way because ideally these analytical models which are refined through machine learning are being pushed back out to the Edge and Fog to continuously improve the efficiency of your IoT deployment so it can handle the immense data volumes produced by the 50B new ‘Things’.
With the 50B new connected devices in the IoT it is not possible or efficient to send all of that data directly to the cloud. In fact some analysts predict that only >40% or less of IoT data will ever make it to the data center/cloud for processing or storage. That is because so much of the IoT machine data is what we call ‘perishable’ or only valuable for a couple of seconds when action can be taken on it. So much of the data is also only valuable when it is integrated with other data sources to identify events or insights. Take a building for example, the data from a connected lightbulb saying “I’m on, I’m on, I’m on” is not valuable unless it is correlated with the occupancy sensors, the security cameras, and thermostat where action can be taken.
That is why Dell recommends a distributed architecture for the IoT giving you flexibility to deploy processing and storage wherever it makes sense. This enables you to unlock the value of both existing and new data to increase efficiency, improve customer experience, or create new revenue streams and business models (Digital Transformation). Analytics, security, and manageability must also be distributed throughout the architecture.
Starting on the left is the Edge where the ‘Thing’ or Machine resides. This might be on a factory floor, in a 18 wheeler, a building controls room, or a remote oil well. Dell is not producing sensors for the IoT but we have developed Embedded PCs to gather data and control the ‘Things’.
Along some ‘Things’ will communicate directly to the Cloud, Gartner predicts that 90% of new IoT deployments by 2020 will include a gateway. The gateway is the aggregation point of multiple ‘things’ where it normalizes the data from multiple OT (BACnet, Profinet, etc.) and IT (Bluetooth, ZigBee, WiFi) protocols, and processed to determine insights from the perishable data.
Depending on the use case, critical data identified by the gateway is then passed on to an on premise computing and storage solution located in what is called the Fog. The on premise solution will conduct big data analytics on the local data and complete local reporting.
Finally the data worth storing and completing deeper analysis on is then transferred to the cloud/data center. This is also where existing IT system data is integrated with the OT data and machine learning takes place to refine the use case based analytical models. You will see that the arrows throughout the architecture are 2-way because ideally these analytical models which are refined through machine learning are being pushed back out to the Edge and Fog to continuously improve the efficiency of your IoT deployment so it can handle the immense data volumes produced by the 50B new ‘Things’.
At Dell Technologies we see the business value of IoT manifested in 4 different ways.
Operational efficiency – improving the effectiveness of your operations and reducing cost
Customer experience – engaging customers in a new way to improve their experiences
Mitigating Risk
New Revenue Models
At Dell Technologies we see the business value of IoT manifested in 4 different ways.
Operational efficiency – improving the effectiveness of your operations and reducing cost
Customer experience – engaging customers in a new way to improve their experiences
Mitigating Risk
New Revenue Models
At Dell Technologies we see the business value of IoT manifested in 4 different ways.
Operational efficiency – improving the effectiveness of your operations and reducing cost
Customer experience – engaging customers in a new way to improve their experiences
Mitigating Risk
New Revenue Models
Dell launched their IoT division in May of 2015 with the goal of being the leading infrastructure provider for industrial IoT
Since then we have received significant recognition for our efforts:
We have secure 50+ technology and service partners in our IoT Solutions Partner Program including many of the biggest names in both IT and OT
Many analyst and publications have recognized Dell for their market leadership. We are especially proud when we’re recognized for our work with customers. Today at CES 2016, Compass Intelligence announced Dell as their IoT Customer Enhancement Company of the Year. This award is to recognize companies that contributed to increasing quality, value and overall benefits that directly provide growth to the customer experience, enhancement, and usefulness of IoT solutions.
We have also received multiple awards for our product design including the coveted reddot best of the best!