DiBa - Data Challenge ING-DiBa AG Bart Buter, Data Engineering / International Advanced Analytics Goethe Universität Frankfurt 27. Okt 2016
Inhaltsübersicht 1. ING-DiBa Kurzprofil 2. Data Challenges 3. Organisation & Rules 2
Die ING-DiBa an einem Tag 20.000 Anrufe im Kundendialog 2.500 Email- Eingänge pro Tag im Kundendialog 5,2 Mio. Seitenaufrufe im Internet 400.000 Logins im Internetbanking & Brokerage 4.300 Kontakte in der Immobilienfinanzierung 160.000 Zugriffe Mobile Banking App 50.000 Vorgänge im Dokumenten Service 29.000 Abhebungen an den 1.200 ING-DiBa Geldautomaten 3
ING in Europa und weltweit ING in Europa ING weltweit 34 Mehr als Millionen private, Firmen- und institutionelle Kunden 40 Mehr als Länder in Europa, Nord Amerika, Lateinamerika, Asien und Australien Mehr als 54.000 Mitarbeiter Marktführer Benelux Herausforderer Wachstumsmärkte Ausschließlich Wholesale Banking 4
Wir wollen Digital Leader in der Finanzbranche sein. Videolegitimation Fotoüberweisung und Dokumenten- Upload Legitimation von zu Hause aus Mobiler Kreditcheck SmartSecure App Fingerabdruck ersetzt TAN Kreditwunsch mobil prüfen Rechnungen und Dokumente per Kamera einscannen und direkt überweisen oder einreichen Die Filiale der Zukunft haben viele Kunden schon heute jederzeit und überall in der Hosentasche dabei: das Smartphone 5
Challenge 1: Income Detection using Public Data Knowing information about someone's income can be desirable in some cases and required in others. For instance, in loan processes this information is required and regulated: it needs to be substantiated by evidence, because proof of income is required to assess if someone is capable of repaying a loan. However, in other cases the requirements are less strict. For instance, when marketing a new investment product, this marketing campaign should be to a target audience that has disposable income to put into investments. For other customers this type of marketing will be irrelevant. Having an estimate of someone's income will therefore lead to fewer customers receiving irrelevant marketing and a higher success rate for the campaign. At the same time we want to simplify the banking experience for our customers and not ask them too many questions. Therefore, it might be more customer-friendly if we could ask for less information from a customer, but find different ways of estimating what the income of such a customer is. Challenge No 1: Can you give us an indication of someone s income based on publicly-available data. Furthermore, since working with personal data carries considerable responsibility, we would like you to investigate the legal and ethical implications of your solutions. We would like you to define a minimal set of data which you would want from the customer and which you can enrich with public data e.g. statistics bureau data, publicly-available profiles, income comparison sites, etc. We expect you to demo a working prototype together with a legal and ethical assessment of the prototype and a documentation regarding the validation of your results. 6
Challenge 1 Data: - Vacancy websites - Public profiles - Statistisches Bundesambt - Chamber of Commerce - Friends and Family Legal Ethical Assesment: - Are you allowed to use my Xing profile? Is it desirable? - Is there an API? What are the conditions for using it? Xing: Bart Buter Head of Data Engineering Gehalt.de: Leiter Data Engineering Income: 4.709 7.858 Validation: - Is my income truly 4709-7858?? 7
Challenge 2: Next Generation Banking Currently, many financial apps show your current balance and past transactions, others have started to include complex graphs and visualizations, but is this the information our customers really want to see? Maybe some are only interested in knowing that their salary has been deposited into their account and if the utility bills have been paid; others might want to see how much they have spent on their new home theater setup. Again others might want to see how much money someone in their peer group spends on buying a new car, while certain customers are interested in how much they need to invest to have a comfortable retirement. This shows that not every customer has the same wishes and that it makes sense to think of solutions for a certain type of customer. Challenge No 2: Our challenge to you is to design the next generation data-driven banking app for your generation (Millennials born between 1980-2000, Generation Z 2000-2020). Base your solution on what data is currently available to you in your banking environments and think about what is missing, or what you would like to see. Furthermore, creating applications for customers is not about what you think is a great idea, but rather about what they think is great to use. Therefore, you should identify features that are missing in the current banking apps, identify multiple solutions to solve this and find out what the best solution is. Base your decisions on the needs and wants of the customers, i.e. by doing customer research. In the end we expect a working prototype of your solution, which can be part of the next generation banking app for your generation. Additionally, we expect to see the results of the customer research that led you to the proposed solution. 8
Challenge 2: Data: - Your transactions from your bank. - Friends and families - Mobile phone - Location - Activity Pitfall: - I would like xyz. Therefore, it is a good idea Validation: - Test if your idea is shared by others. - Do they have the problem you are trying to solve? - Do they agree that your solution is the right solution? 9
DiBa Data Challenge Team Bettina Hartlich Christine Hennighausen Georgios Gkekas Stevie Albert Bart Buter Organisation Every team gets a mentor Discuss office hours with mentor 10
Prizes 11
Rules - You are not working for DiBa, your ideas, solutions and actions are yours. - Financial matters and related data are private and sensitive, treat them as such. - When in doubt contact us or your professor. 12
Vielen Dank! Bart Buter Head of Data Engineering International Advanced Analytics www.ing-diba.de Facebook.com/ingdiba @ING_DiBa_Presse ING-DiBa AG Telefon 069 / 27 22266776 Theodor-Heuss-Allee 2 60486 Frankfurt am Main bart.buter@ing-diba.de Instagram.com/ingdiba YouTube.com/ingdiba