Europe faces financial and demographic changes

we prepare for them too:

"crisis has shown that different

sectors reacted in different ways

to economic shocks"

Demographic change open

different markets to financial

institutions

Recent financial crisis request better measurement of credit exposure

Societal dynamics are opening new demographics to financial markets

Migration and emancipation are at levels

never seen in the EU

business as usual, yet as never before:

New EU-broad risk-measure

tools are developed right

now

Financial institutions need to

Leverage EU data for own portfoliosIdentify and target specific emergent

marketsImplement EU directives on financial risk

Financial institutions need to Data Dive

Data Dive leverages information in a structured and

horizontal approach

data mining is a

vertical operation: we know

where the resource is,

we go there, we

dig, we get it.

data diving is horizontal: understanding a situation, offers solutions by revealing new connections

Data DiveUnderstand current data

lakes, design them if needed be

Choose relevant sources of information, explore

themVisualize and present existing and hidden relevant relations

Stream data development, update

analyze and report

So what does a client gain by Data Dive?

Let's do some diving:

Discovering emerging markets for financial services based on a

given region demographics

Crossing potentialities with actual use of financial services

identify risks dynamics

From available data, I looked into WorldBank microdata and Fragile States index, from Foreign Policy

World Bank Survey worldwide :

150,000 nationally representative and randomly selected adults (age 15+) in

over 140 countries.

For 10 years the Fragile States Index, published by Foreign Policy, has put countries into perspective by providing an annual snapshot of their vitality and stability

So I dived and I found...

region fragility is correlated with increased women savings

age and use of financial services are reversely

correlated with region fragility

Women show significant concern with trust on financial institutions

Financing can grow with conservative

and gender oriented products

Youth financing is risky under

regional economic distress

Now consider:

This is analysis from 80+ variables from worldwide individual surveys and from a broad socio

economical index.

Each financier has data from own clientele AND there is detailed socio economical data available at European level (maintained by Eurostat, client of

Sogeti)

Combining that with Data Dive, we stand to gain emergent markets for our clients plus the relevant

risks descriptions

What could bring Microsoft here?

(Azure Event Hubs->stock market->real time analytics)

- a platform to manage the information- a set of tooling that process streaming data

Shall we make a Azure demo? With stock market data in?