huawei helps cmb construct a big data platform for financial it transformation

HUAWEI TECHNOLOGIES CO., LTD.

Huawei Helps CMB Construct a Big Data Platform for

Financial IT Transformation

Zhang Dazhen

IT Cloud Computing Product Line

HUAWEI TECHNOLOGIES CO., LTD. HUAWEI Confidential

Construct a Big Data Platform for Internet Finance

Transformation

Fierce competition calls for product prediction, service

innovation, and risk evaluation based on data analysis and

mining to improve competitiveness.

Traditional data warehouses can process only structured data

and have drawbacks of low scalability and high expansion

costs and cannot process large data sets of various types.

Challenges

Solution

Enterprise-level big data platform: high reliability, high

security, easy to develop and manage

First big data analysis and mining platform that supports

classified protection for financial data and over 1000 km

remote disaster recovery, and allows seamless integration

with enterprise applications.

Huawei has a kernel-level development project team that

provides consulting and customized service capabilities.

China Merchants Bank (CMB for short) has 125 branches, 1297 sub-branches,

1 specialized agencies (the Credit Card Center), 1 rep-office, and 2330 self-

service banks in over 120 cities. It has become a banking group that has a

financial services license and offers services, such as commercial banking,

finance leasing, fund management, life insurance, and investment outside

China. By the end of 2014, the group had a net profit of RMB55.911 billion,

with 8.06% year-on-year growth. CMB has led China's banking industry by

creating a synergy of "Profit, Quality, Scale" and a structure of core values

including "Service, Innovation and Stability".

Offline historical

details

Credit investigation

(3 to 5 weeks)

Financial data

Traditional data plane

Financial data, transaction context,

customer service text data, social data.

Huawei FusionInsight big data plane

Credit investigation

(2 to 5 seconds)

Online historical

details

Contingent

asset

Financial

network

Service innovation

Precision

recommendation


Online Query of Historical Transaction Details

x86 server x86 server x86 server x86 server

HDFS

ZooKeeper HBase/CTBase

Hadoop

Farmer data service

Service request access and dispatch

Distributed application container

Historical

transaction details

query service logic

…

Telephone banking

95555 Service system

in branches

Manager (big data

management

center)

FusionInsight

Historical

transaction details

query service logic

Historical

transaction details

query service logic

Customer's pain points:

With Oracle, midrange computer, and high-end storage

architecture, I/O bottlenecks occur and the system supports

only online query of 4 TB historical transaction details of last

one year. For the historical transaction details of more than

one year, manual offline query on a data warehouse is

required, which consumes time.

Objective: real-time online query of 20 TB historical

transaction details of five years

Solution:

Huawei provides: FusionInsight Farmer data service

platform and FusionInsight Hadoop basic data platform.

CMB only needs to focus on compiling the service for

querying the historical records.

The FusionInsight Farmer data service platform supports

concurrent access to multiple service systems, allowing

real-time historical transaction details query.


Comprehensive Multi-dimensional Customer Behavior

Analysis


HDFS


Miner data insight

Feature

management

Individual customer analysis

MR YARN

Hive Mahout

algorithm library

Modeling

analysis Data visibility

Enterprise customer analysis

…

Manager

(big data

management

center)

Hadoop

FusionInsight

Customer

feature

extraction

Small and

micro-loan

tendency

analysis

Financial

relationship

discovery

Contingent

asset

prediction

Enterprise

feature

extraction

Enterprise

public

opinion

analysis

Enterprise

settlement

relationship

Customer's pain points:

A traditional data warehouse has limited processing capability

so that Extract-Transform-Load (ETL) covers a small number of

data dimensions. In addition, existing tools that have expert

experience mechanisms are based on few-dimension analysis

so that the small and micro-loan tendency analysis and

contingent asset prediction have low accuracy.

Objective: full and multidimensional analysis, improved

mechanism, and improved analysis and prediction accuracy

Solution:

Huawei provides: FusionInsight Miner data insight platform

and FusionInsight Hadoop basic data platform. CMB only

needs to focus on compiling customer behavior analysis

services.

The FusionInsight Miner data insight platform can mine

customer features in 14000 dimensions based on big data full

modeling analysis, supporting multi-dimensional concurrent

customer behavior analysis.

Customer behavior analysis results are stored in HBase for

query.


small and micro-loan Tendency Analysis and Contingent

Asset Prediction

9 million customers

…

14000 dimensions of customer features

small and micro-loan tendency

analysis model

Carry out targeted marketing for

the top 20000 potential small

and micro-loan customers

Contingent financial asset

prediction model

Customer potential contingent

financial asset details


Real-time Credit Investigation Service Process

Computer/

Tablet

Logic to be

passed

Archiving

Frond-end processor

Document

comparison

module

Preprocessing

module

Preprocessing

PBC

module

Public

security

bureau

module

External credit

UnionPay

module

Telecom

module …

PBC database

Public security

bureau database

…

Sanctions list

module

Retail banking

module

Internal credit

Personnel risk

module

Abnormal

information

tracing module

Risk comparison

Market

promotion

problem risk

module

A-SCORE F-SCORE

Credit card score

Approval

information

prompt module

Recommended

quota module

Credit investigation process

Automatic

processing

module

Manual

approval

module


Real-time Credit Investigation Big Data Solution


Credit card opening and

overdraft consumption

approval

Frond-end processor Customer's pain points:

As credit investigation data is stored in different

databases/warehouses, credit investigation data for credit card

opening and overdraft services is queried separately at different

times. In addition, more manual investigation is involved. As a

result, it takes about 15 days to handle these services, causing

low customer satisfaction.

Objective: two to five seconds for automatic credit

investigation and 20 minutes for service process completion

Solution:

Huawei provides: FusionInsight Farmer data service platform

and FusionInsight Hadoop basic data platform. CMB only

needs to focus on compiling the service for real-time credit

investigation.

FusionInsight Farmer data service platform provides

concurrent processing capabilities required by a credit

investigation process service system.

FusionInsight Farmer data service platform provides a real-

time workflow engine that can automatically perform each

service process based on a preset sequence.

HDFS


Hadoop

Farmer data service

Service access request and service provisioning

Manager

(big data

management

center)

FusionInsight

Distributed application container

Document

comparison

External

credit

Internal

credit

Risk

comparison

Credit

card

score

Recommended

quota

Workflow

engine


Real-time credit investigation

Customer Benefits

Historical transaction details query

• 20 TB historical transaction details of 5 years

are centrally stored, facilitating management

and expansion.

• Historical transaction details of 5 years can be

concurrently queried in multiple service systems

in real time, improving user experience.

Customer behavior analysis

Full and multi-dimensional analysis mode instead of a

traditional expert experience analysis mode:

• Two to five seconds for automatic credit

investigation and 20 minutes for completing credit

card opening and overdraft consumption approval,

improving customer satisfaction

• Real-time workflow engine simplifies real-time

automatic credit investigation service deployment.

Conversion volume

Top 864 Top 8653 Top 58107

13

329

74

469

662

200

Full and multi-

dimensional mode

Expert

experience mode

• Small and micro-loan propensity analysis: The conversion rate of top 10000 customers

increased by six times.

• Contingent asset prediction: The error rate of contingent financial asset prediction

decreased from 60% to 30%.

Error rate

60%

30%

Small and micro-loan

propensity analysis Contingent asset prediction


What Can Huawei FusionInsight Provide?

Thank you www.huawei.com

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