Debating the Results, Risks, and Opportunities of Payments Analytics - For more infomation visit https://www2.deloitte.com/us/en/pages/deloitte-analytics/articles/deloitte-analytics-banking.html

1. Customer Analytics
Banking & Securities
Debating the Results, Risks, and
Opportunities of Payments Analytics

2. 2Copyright © 2016 Deloitte Development LLC. All rights reserved.
Consumer segments are
increasing usage of “default
payment” options. Come to
the session to find out which
segments, and how issuers /
merchants are reacting
Come to discuss how
payments innovation is being
defined; and how M&A and
private equity firms are
clashing to create
opportunities and threats
The payments landscape is at
a tipping point now, fueled
further by changes in
customer expectations.
Discover enhanced analytical
methods of predicting
behavior
Discuss effective methods of
accumulating data from
transactions, cashflow, and
spending, allowing real-time
analytics to improve offerings
to customers
Financial institutions need to
manage regulatory and
privacy risk when building
advanced payments analytics.
Come to find out risks
presented by knowing
analytical insights
Real-time, faster, and secure
payments in the United
States puts pressure to
innovate on industry
incumbents; discover what
they are doing to remain
leaders
Innovations are making the future of payments more seamless,
enabling data-driven customer engagement platforms for financial
services providers.
Source: Deloitte Payments Radar, 9th Edition, 2016.

3. 3Copyright © 2016 Deloitte Development LLC. All rights reserved.
Myth
Cognitive is narrow artificial intelligence
designed for specific use cases.
Seamless human computer interaction is
needed
Collaborating with vendors / innovators
provides a method for privacy compliant
offers, transaction analysis, and insight
New techniques learn from experience,
so payments firms can streamline
decision making without waiting for
perfect data
Reality
Cognitive technologies mimic the
human brain / think like humans do,
thereby replacing knowledge worker
positions
Updated privacy regulations and
consumer perceptions stymie
transaction analytics innovation
Analytics techniques perform best
when there is very good data quality
available
Separating myths from realities of payments analytics enables
businesses to quickly deliver insights / value.

4. 4Copyright © 2016 Deloitte Development LLC. All rights reserved.
What can issuers do
to understand
'default payment'
digital behaviors
and drive growth?
How does a
payments provider
use real-time
transaction flow
analysis to benefit
merchants and
consumers?
What happens
when a bank is
unable to identify a
new customers'
needs within 15
days?
How can financial
institutions partner
with innovators to
reduce impacts of
disintermediation?
Customer payments analytics of the future requires integrated risk,
marketing, and compliance.
What opportunities
do real-time fraud,
credit risk, and
marketing models
provide?
How do payments
organizations
leverage
compliance
investments to
drive growth?
How can robotics
process automation
help streamline
regulatory testing?
How do
stakeholders drive
adoption of faster
payments?
Key Questions Innovation Enablers

5. 5Copyright © 2016 Deloitte Development LLC. All rights reserved.
Contacts
Omer Sohail
Principal
Deloitte Consulting LLP
Mobile: +1 214 535 3468
osohail@deloitte.com
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Deloitte Consulting LLP
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jaschiu@deloitte.com