Client Case Studies

International Banking Organisation

Base 3 Systems has developed and installed an application for the Consumer Banking Division of a multinational financial services business with 410 branches in 28 countries and over 4 million customers.

The Challenge

Advanced SAS® users were being tied into providing numerous MIS reports as managers became more ‘data hungry’. The company wanted to assign a few business analysts and ‘power users’ to prepare key reports, which could then be made easily available to authorised users or user groups throughout their Asian operations. Ease of accessibility and the security of this shared information were vital.

An extremely powerful tool, the SAS® System had been chosen for its ‘no nonsense’ ability to manipulate massive amounts of complex data and produce detailed reports. Knowing of the dispersed reporting work carried out by Base 3 Systems on other sites throughout Europe very much in line with their own requirements they were commissioned to deliver the solution.

The Results and Benefits

Report Master is a completely generic system that can share packaged reports in a structured and managed way and can be up and running at a client’s site within minutes.

Base 3 Systems delivered and installed the product initially within the business’ Hong Kong operations. And provided power users with a way to make their parameterised reports available to nominated users across the broad South East Asia region. By only allowing users to see and execute reports to which they have been given access, and by incorporating an easy to use ‘drill down’ function, all key managers in the organisation were now able to take advantage of the shared data resources.

“Report Master is an excellent tool that fits our requirements of rapid report distribution with security parameters better than any other system on the market. Now our managers throughout Asia can access tailored reports immediately, without needing to acquire a knowledge of SAS software.”

Key benefits of using the SAS System

  • Rapid software development
  • Ease of maintainability
  • Ability to manipulate large volumes of complex data
  • Confidence that the software will perform

Key benefits of using Base 3 Systems

  • Expert understanding of the SAS System
  • In-depth understanding of the Finance Sector
  • Provision of generic, modular, report distribution application – Report Master
  • Off-site Development Facility staffed by highly experienced consultants in SAS and IT
  • SAS Alliance Silver Partner

Major UK Insurer

A major UK insurer needed to produce fast, easily-accessible, ‘Box Management’ data to provide an accurate position of the company’s total liabilities at any given time in order to minimise its market exposure.

‘Box Management’, is a term used to describe the accurate calculation of a company’s total exposure by monitoring and controlling the difference between total liabilities and total assets. The ‘box position’ should ideally be zero, but in reality, zero exposure is rarely practicable, although every company strives to achieve it.

The impact of not controlling this box management process properly is extremely damaging.

SAS® software was the chosen vehicle to handle extracts and visualisation from the company’s massive data store, which encompasses four months’ rolling data covering all aspects of the company’s life and pensions operation and Base 3 Systems were selected for their specialist expertise in delivering high quality services and solutions to the financial services sector.

The Results and Benefits

The final design incorporated a client/server architecture in which SAS® software was used to download and summarise mainframe-based data for subsequent visual presentation on the end user’s desktop.

Fund managers, actuaries and accounting systems personnel are able to ‘drill down’ and interrogate the Box Management System to one of three increasingly detailed levels using standard, pre-defined, ad hoc and audit reports. To ensure data integrity, information will travel in one direction only – users cannot update records in the data store.
The Financial Reporting Manager said ‘We’ve been happy with the Box Management System performance overall, but of course, as with all things in life, our tolerance levels seem to drop proportionately as system performance continues to improve!’

Key benefits of using the SAS® System

  • Ease of maintainability
  • Ability to span hardware platforms and software environments
  • Ability to manipulate large volumes of complex data
  • Confidence that the software will perform

Key benefits of using Base 3 Systems

  • Expert understanding of the SAS® System within the performance constraints
  • In-depth understanding of the Financial Services Sector
  • Fully-equipped off-site Application Development Facility staffed by highly
  • experienced consultants in SAS and IT
  • SAS Alliance Silver Partner

UK Building Society

The Society needed to understand the profile and profitability of customers who took up Home Insurance as well as significant trends. The questions were:

  1. Who takes insurance?
  2. Who drops Home insurance products, and after what time, typically?
  3. Who makes/loses the most money?
  4. Among those customers without insurance, who should be targeted for insurance marketing?

The challenge was not only to provide useful answers to these questions, but also to deliver well-documented technical material, both statistical and SAS® code, to allow the in-house Strategy Section to adapt and develop the analysis further. At the same time, the data to be analysed had to be assembled afresh from existing SAS® datasets, validated, corrected and documented.

The Results and Benefits

The first result was a completely validated and corrected SAS® dataset combining mortgage and insurance information, two areas seldom brought together in analysis within the society. This was documented and the generating code made available for further updating.

The customer base was segmented with the aid of classical data-analytic techniques such as logistic regression and cluster analysis. These identified features of customers who were most likely to drop insurance and were able to indicate an important trend in customer behaviour as well as portions of the customer base worth approaching with insurance products and cross-sales.

Customer profitability is directly connected to tenure of insurance, so here survival analysis takes over from classical risk assessment. This modern technique, emerging now strongly in risk assessment, estimates a customer’s tenure of house insurance on the basis of imperfect or biased data. The full power of SAS® is required for the analysis, together with a sophisticated appreciation of the ways in which bias and censorship influence the data.

The dataset construction and analysis advanced in close daily consultation with the Insurance and Strategy Sections; the needs of these departments were paramount to the project’s success. Presentation to executive and senior managers prompted enthusiastic interest and positive action. To gain market advantage an immediate decision was made that in future data collected would be used for statistical analysis.

Financial Client

Our client was planning to implement a new Interactive Voice Response (IVR) telephony system to expand the capability of its outstanding debt collections department. From the outset, it was recognised that a comprehensive management information application would be needed provide information to senior executives both about the detailed performance of the IVR system and about the return on investment that it was delivering.

A number of other third party organisations had been involved in devising the new IVR solution, which was based around a complex but relatively inflexible architecture. Data could be collected at a number of points during the processes involved and it was essential for the management information application to handle a wide variety of record formats and record types.

Base 3 Systems personnel worked closely with the business managers to identify their requirements, and with the technical staff to understand the architecture and operational issues around the system, and then developed a suite of programs using key features of the SAS® System to provide the critical information that management required.