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Predictive APIs: What about Banking?
Natalino BusaData Platform Architect at Ing
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@natbusa | linkedin.com: Natalino Busa
Distributed computing Machine Learning
Statistics Big/Fast Data Streaming Computing
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@natbusa | linkedin.com: Natalino Busa
ING group
http://www.ing.com/About-us/Purpose-Strategy.htm
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@natbusa | linkedin.com: Natalino Busa
ING group
Empowering people to stay a step ahead in life and in business.
http://www.ing.com/About-us/Purpose-Strategy.htm
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@natbusa | linkedin.com: Natalino Busa
Abraham Harold Maslow (April 1, 1908 – June 8, 1970) was an American psychologist who was best known for creating Maslow's hierarchy of needs
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@natbusa | linkedin.com: Natalino Busa
Human needs
Physiology
Contractual
Love & belonging
Esteem
Self-actualization
breathing, food, water, sleep
security of body, resources, health, employment, property
friend, family, partnersecurity of love and belonging
self-esteem, confidence, achievements, respect
spontaneity, creativity, acceptance, freedom, ethics
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@natbusa | linkedin.com: Natalino Busa
Connectivity, Electricity, Protocols
REST APIs, Encryption, AuthenticationReal-Time, Accurate, Reactive,
Notification, Autofill/correct,Recommenders, Social
Predicting and PlanningSet goals, Achievements
Trusted CompanionFreedom, Personal advice
innov
ation
Physiology
Contractual
Love & belonging
Esteem
Self-actualization
APIs evolving to higher goals
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data is the fabric of our lives
all our relationships are based on data
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@natbusa | linkedin.com: Natalino Busa
Data as a Relationship
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@natbusa | linkedin.com: Natalino Busa
Data as a RelationshipTrust
Transparency of Use
Customer First
Regulations and Laws
Respect and Protect
Providing a Service
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@natbusa | linkedin.com: Natalino Busa
Help the customerPropose, Advise, Select, Filter, Connect, Simplify
Actionable Data, Ethical approach
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@natbusa | linkedin.com: Natalino Busa
Help the customerPropose, Advise, Select, Filter, Connect, Simplify
Protect the customerDetect, Prevent, Alert, Block, Defend, Identify, Authorize
Actionable Data, Ethical approach
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@natbusa | linkedin.com: Natalino Busa
Strategic data-driven initiatives
● We are looking at fintech innovation to help strengthen our lending capabilities and better serve our consumer and SME clients.
● We launched a strategic partnership with Kabbage, one of the leading US-based technology platforms providing automated lending to SME.
● A first pilot project, in Spain, is underway.
● In January 2016, we made an investment in fintech WeLab, which provides consumer loans in China and Hong Kong in a fully automated process that just takes minutes, from application to approval.
http://www.slideshare.net/ING/4q15-media
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@natbusa | linkedin.com: Natalino Busa
Strategic data-driven initiatives
http://www.slideshare.net/ING/4q15-media
● Innovation helps to empower people to make better financial decisions
● In Poland, we launched Moje ING, a new omnichannel banking platform, based on a similar platform in Spain.
● The platform gives customers insights into their personal finances in an easy and intuitive way.
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@natbusa | linkedin.com: Natalino Busa
Predictive API’s: How to get there?
Input
Hand Designed Program
Input Input
Rule-based System
Output
Hand Designed Features
Mapping from features
Output
Learned Features
Mapping from features
Output
Classic Machine Learning
Input
Learned Features
LearnedComplex features
Output
Mapping from features
RepresentationalMachine Learning
Deep Learning
Prof. Yoshua Bengio - Deep Learninghttps://youtu.be/15h6MeikZNg
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@natbusa | linkedin.com: Natalino Busa
Predictive APIs in banking:It’s a long journey.
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@natbusa | linkedin.com: Natalino Busa
Predictive API’s: How to get there?
Data +
Tools / Applications / API’sFrameworks & LibrariesScientists & EngineersDomain Experts
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@natbusa | linkedin.com: Natalino Busa
Predictive API’s: How to get there?
Data +
Tools / Applications / API’sFrameworks & LibrariesScientists & EngineersDomain Experts
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@natbusa | linkedin.com: Natalino Busa
Predictive API’s: Research at ING
Clustering geolocated data using Spark and DBSCANHow to group users’ events using machine learning and distributed computing
By Natalino BusaJanuary 28, 2016
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@natbusa | linkedin.com: Natalino Busa
Real-time fraud detection using process mining with Spark StreamingBolke de Bruin (ING), Hylke Hendriksen (ING)Data Science & Advanced Analytics
Predictive API’s: Research at ING
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@natbusa | linkedin.com: Natalino Busa
Data Science: quality and parsimony
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@natbusa | linkedin.com: Natalino Busa
Data Science: quality and parsimony
How data scientists feel about their models
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@natbusa | linkedin.com: Natalino Busa
Data Science: quality and parsimony
How data scientists feel about their models
How managers feel about data scientists’ arguing models
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@natbusa | linkedin.com: Natalino Busa
Data Science: start lean
● What‘s the improvement?
● Can you quantify your model quality? ● Can you quantify impact impact?
● What is the impact for the customer journey? ● Can it be converted in financial results?
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@natbusa | linkedin.com: Natalino Busa
Tools and applications: inspiration from the web
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@natbusa | linkedin.com: Natalino Busa
Tools and applications: inspiration from the web
The API for banking data.
Two levels:
- Transactions- Risk Scoring
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@natbusa | linkedin.com: Natalino Busa
Predictive APIs: opportunities
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@natbusa | linkedin.com: Natalino Busa
Predictive APIs: opportunities
Feature Extraction, Anomaly/Novelty Detection:Identification based on behaviour rather than credentialsFraud detection and Intrusion detection
Manifold learning algorithmsNon-Linear Dimensionality Reductions
Spark GraphX, Neo4J
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@natbusa | linkedin.com: Natalino Busa
Predictive APIs: opportunities
Classification, Clustering:Automatic tagging of transactions
Topological Data Analysis
Analyze high-dimensional data, visuallyhttp://datarefiner.com/
Analysis of NetFlix Prize Dataset.
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@natbusa | linkedin.com: Natalino Busa
Voice, Speech and Video recognitionZero UI
Predictive APIs: opportunities
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@natbusa | linkedin.com: Natalino Busa
Crossing the chasm
ExperienceTechnology
Data + Science
APIs
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Muchas gracias
Natalino BusaData Platform Architect at Ing
@natbusa