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Case study: Digital Finance Company Transforms Credit Risk Decisioning with State-of-the-Art, Cloud Analytics Solution

Amadeus Software helped its customer to transform the capability and scalability of its analytics platform, replacing an inadequate analytics solution with SAS® Viya® hosted on Google Cloud Platform.

 Credit Risk Decisioning Cloud Analytics Amadeus

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Background

Based in Manchester, our customer is well-known and highly-rated within the car finance industry. Its team of data analysts store and process a significant volume of personal data for past, current and prospective customers for whom they provide affordable car finance.

Business issue

As part of an organisation-wide strategy for growth, all company infrastructure (including its analytics) was being migrated to the cloud. This growth was also generating an increase in the demands of the analytics team, with even greater volumes of data expected in the future. The team was also looking to extend its analytical capabilities into areas such as credit risk analysis, which the existing solution couldn’t support.

Vision

The customer wanted a solution that could be hosted on Google Cloud Platform (GCP), their preferred cloud provider. This would enable them to realise the many benefits of cloud analytics. They required an affordable solution that could deliver critical business insights and drive decisions regarding credit risk. It had to be scalable to meet the expected increase in demand for analytics and the ever-growing size of their data. Meanwhile, given the personal and sensitive nature of the data being analysed, it was important that any solution complied with industry regulations, including GDPR.

As a fast-growing business with ever changing demands, the customer sought an end-to-end Software as a Service (SaaS) solution from a reliable third party to simplify platform management.

Learn more about SAS Viya

Amadeus solution delivered

Amadeus delivered the cloud-native SAS Unified Insights MM platform on SAS Viya. In addition, automated processes were configured to allow data to be loaded into the solution. Finally, to ensure a robust, resilient and performant platform, the ongoing maintenance and running of the environment is managed under Amadeus’ SaaS Managed Services agreement.

Results

By migrating their existing analytics to SAS Viya in the cloud, the customer realised several key benefits:

  • Estimated savings were projected of more than £160,000 realised over three years through the decision to host analytics in the cloud (avoiding expensive, up-front infrastructure costs) and by outsourcing platform administration to Amadeus
  • A brand-new platform providing fast insights and a flexible licensing plan. This is essential for a company who is looking to expand and develop its use of data and analytics in the future
  • Access to models and processes that were previously unavailable via its legacy platform
  • Reduced risk of defaulting payments or fraudulent credit applications through enhanced credit risk decision making capabilities. This is achieved by analysing characteristics and traits amongst individuals and across behaviours as a whole to identify those who are more likely to struggle with repayments
  • Starting at 1TB, storage capacity can be increased easily as the data volumes and range of sources continue to build
  • Using Google Cloud ensures compliance with Europe’s GDPR legislation, mitigating against the risk of fines of up to €20m or 4% of annual turnover
  • Encryption of the storage and internet traffic ensures data remains secure on the SAS Viya platform, accessible by authorised team members only
  • A Managed Service support contract with Amadeus allows confidence in the ongoing health and effectiveness of the platform, enabling the customer to generate maximum value from their platform now and in the future, whilst reducing total cost of ownership. This fully managed agreement leaves the customer free to concentrate on generating the valuable business insight, free of the concern of maintaining and managing their analytics platform.

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