Teradata Solutions for Financial Services
Industry Solutions > Financial Services
You have a lot on your mind.
you more effectively manage risk and
Financial management Clearly see the
Everything from fierce competition and
deploy capital? And how do you maximize
opportunities to better manage return on
changing rules and regulations to constantly
the investment youve made in your
assets and capital, and provide Finance
evolving technology. Add to that millions
technology infrastructure?
with an analytical environment to deliver
of customers, hundreds of products and
varied distribution channels. Thats why
financial institutions just like yours face
a series of complex data and information
challenges challenges that must be met
today if you expect to stay competitive
and gain market share tomorrow.
But how do you face those issues? How
do you strengthen and stabilize customer
relationships? How do you drive growth
by measuring the current and future value
of everything from customers to delivery
channels to geographic regions? How do
greater value with the fewest resources.
Make the First Step the Right
Step
Data management Better manage your
You can begin by simply making your first
enterprise data for integration and analysis
step the right step to a Teradata solution.
at the detail level, and leverage your data
We offer a unique suite of products and
warehouse functions for even greater ROI.
services that allows financial institutions
to grow through the use of simple, yet
powerful, tools.
Put Your Data to Work
In addition to helping create enterprisewide information repositories, Teradata
A Teradata solution provides you with
Corporation brings an array of applica-
unprecedented understanding of your
tions to help maximize the data in your
customers, your delivery channels, your
data warehouse applications for business
products and services. Just as important, it
intelligence, financial modeling, profitabil-
helps open the door to new opportunities,
ity analysis, and customer communication.
letting you better manage every aspect of
And we continue to uncover new business
your business, including:
improvement opportunities by leveraging
Customer management Know which
the information in your data warehouse,
customers create the greatest value and
information you can put to work immedi-
what you need to do to maximize cus-
ately in areas such as profitability optimi-
tomer relationships and revenue streams.
zation, capital optimization, and customer
Then, dramatically increase response rates
management.
and reduce costs with value-focused
communications.
Well also show you how to look at your
technology infrastructure as an investment.
Risk management Leverage the detailed
And how to make the most of that invest-
data that exists across the financial institu-
ment maximizing value while cutting
tion to better manage all aspects of risk in
the cost of your information management
an integrated fashion.
infrastructure. Teradata will give you a
solution that will grow right along with
Channel management Monitor and
your business, while keeping its focus on
measure the status of your entire delivery
a single view of your enterprise.
system, anytime, anywhere. Streamline
your infrastructure for both speed and
growth.
EB-3114
>
1007
>
PAGE 1 OF 5
Teradata Solutions for Financial Services
Teradata Analytical
to the complex data that comes with a
Financial Services Logical Data Model
Framework
transaction-intensive business like yours. In
The Teradata Financial Services Logical
To make the most of your technology
addition, the Teradata Database provides:
Data Model (FS-LDM) addresses the
infrastructure, however, you and your
financial institution must coordinate
distinct disciplines and capabilities
unique business questions that help you
Quickest time to solution with the
flexibility necessary for a quick start.
across your entire organization. Again,
Lowest total cost of ownership more
Teradata has demonstrated time and
data, more users, more complex queries
time again that we can provide the neces-
doesnt mean more costly resources.
sary framework.
Complete support infrastructure 24
The Foundation
hours per day, every day.
First, you must develop the capability to
better manage across four key areas:
> Sales and Marketing
> Profitability
> Risk Management
> Channel Management
It takes critical information every event
and concept from account numbers to
collect huge amounts of customer data.
Effortless scalability it grows right along
specific product usage and creates
Teradata makes it possible to gather large
with your business.
common understanding across all business
amounts of data from disparate sources,
then place them in a single data repository
that can be accessed by anyone, anywhere
in your organization. We offer a flexible,
functions. The Teradata FS-LDM lets you
Complex and ad hoc query performance
build faster and smarter. Youll save vital
no more asking your database to do some-
development time and development
thing it wasnt designed to do.
dollars while you minimize the risks
scalable infrastructure that deals directly
Fast, safe data load utilities no down-
with the data management needs of your
time when you load, update, archive,
institution.
purge, or restore.
Teradatas high-performance database is
Active decisioning continual updates,
the foundation of the worlds most success-
additions, and insights to make the most
ful data warehouses. It adds intelligence
of opportunities as they present themselves.
associated with implementing a data
warehouse.
The Analysis
Once the data has been collected, it must
be analyzed. You must be able to look at
customer behavior and preferences, for
example, to uncover better ways to serve
Teradata Value Proposition for Financial Institutions
Provides an integrated
Enabling you to:
analytical environment that:
> Signicantly reduce IT
> Integrates data from
infrastructure costs.
usable information.
> Delivers appropriate
profitability, risk, and capital allocation.
decisions.
Again, Teradata can help build this
> Effectively manage and adapt
single view of your business.
>
PAGE 2 OF 5
must also analyze operational components,
plus financial factors including customer
they need it.
1007
strategies to meet customer demands. You
through better, more timely
your organization by providing a
>
and interactions before implementing
> Improve nancial performance
analytics to users when
EB-3114
degree view of all customer relationships
such as capacity and sales effectiveness
multiple systems.
> Transforms data into
your customers. That means taking a 360-
capability. We offer you both infrastructure components for analysis query and
data mining tools plus specific analytical
Teradata Solutions for Financial Services
Teradata CRM Solution
Teradata provides innovative solutions to some of
the worlds leading nancial institutions, including:
> GE Capital Services
> Navy Federal Credit
Union
> Royal Bank Financial
Group
> ABN AMRO Bank N.V.
> Allied Irish Bank
> Barclays Bank Plc
> Nordea Group
> The London Stock
Exchange
Teradata believes customer relationship
management (CRM) is not a technology;
> Commonwealth Bank
of Australia
its a strategy; a strategy that drives
> Shanghai Stock
Exchange
based on a common understanding of
> DnB Nor
enhanced customer knowledge and
> Banco Santander
Santiago
intelligent cross-channel personalization
all interactions; a strategy that leads to
increased bottom-line profit.
Teradatas CRM solution comprises more
> Fukui Bank
than 20 applications, modules that fit into
> St. George Bank
each of the six major sets of functionality:
> Westpac Banking
Corporation
> Analysis
> Cathay United Bank
> Modeling
> Communication
> Personalization
applications for customer and profitability
into all your analytic applications, includ-
analyses, segmentation and campaign
ing CRM, to predict future customer
management capabilities. We provide an
behavior.
integrated environment that gives users
throughout your organization access to
the tools best suited to their needs, tools
that let them conduct the analytical tasks
Teradata Warehouse Miner allows analytic
applications to scale up to the complexity
of business problems, then delivers results
in the form of scores, predictions, and
they require.
descriptions. And, just as important, those
Teradata Warehouse Miner
results can be managed in a single loca-
Teradata Warehouse Miner is a powerful
tion, providing your entire enterprise with
extension of your data warehousing
access to the information you need for
capabilities that lets you proactively
more informed decision making.
manage your business relationships and
drive growth. Its a giant step ahead of
traditional online analytic processing
(OLAP) and query and reporting because
its a predictive analysis solution. It uses
intelligent software to detect patterns
through an exhaustive analysis of all the
data in your warehouse. The result: the
ability to integrate data mining insight
The Action
After analysis comes action. You must be
able to maneuver a variety of organizational objectives across an immense
customer base and through multiple
channels. Teradata ensures your communications are targeted at the appropriate
customers at the appropriate time through
the most effective channels.
EB-3114
>
1007
>
PAGE 3 OF 5
> Optimization
> Interaction
The Measurements
The final capability is measurement. For
optimal results, you need to effectively
measure not just specific strategies and
tactics taken, but the results of actions not
taken as well. Its here you can identify
where the greatest opportunities for
improvement lie.
Profitability Analytics Clarity for the
Sources of Value
Teradata has created a comprehensive
Profitability Analytics Portfolio to help
companies like yours look beyond classic
profit and loss statements and summary
profitability models to create a clearer
calculation of value. Its a unique approach
that provides accurate assessments of the
Teradata Solutions for Financial Services
value of customers, products, services,
across a complete set of business functions.
You can use Value Analyzer to derive
offerings, sales forces, distribution chan-
It plays a pivotal role in helping you better
detailed account profitability information
nels, even geographic regions.
understand just how profitable your
on marketing, distribution, and manage-
business really is. Instead of the traditional
ment profit functions. Most important,
top-down view, Value Analyzer brings a
it will add value by helping you move
bottom-up approach that begins with
day-to-day account activities into
your most fundamental unit the account.
profitable long-term relationships.
Teradata Value Analyzer
Teradatas Value Analyzer provides consistent and accurate profit level analysis
Powerful Partnerships
New Insight, New Opportunity
Teradata also provides powerful partner-
When RBC, Canadas largest and most protable domestic nancial institution, began looking for ways to better differentiate itself from its competition, it turned to Teradata. Specically, the bank wanted to focus on the
strategic use of information to better anticipate and serve clients needs.
ships to serve you better. Our open system
At the outset of its new CRM program, RBC had an average client prot
measure, but no tools to measure the subtle changes and new trends in
client behaviors. But after implementing Teradata Value Analyzer, RBC
gained some valuable new insight including:
joined forces with some of the financial
> Averages hide valuable insights that event-level detail can provide.
> More than 75% of the client base has changed two or more deciles.
> Change was most evident at the high and low ends, where segments representing the majority of clients traditionally viewed as low
value actually moved higher due to the detailed behavioral-transaction detail and actual fees captured in the new measurement model.
architecture helps run the applications
youre using today, only better while
providing seamless integration. Weve
industrys leading technology providers,
systems integrators, and consultancies to
expand our portfolio of products and
industry-specific applications. Together,
we can offer you industry insight and
innovation not available anywhere else
and the kind of flexible, total solutions
you can only find through Teradata.
Other highlights of RBCs program include:
Why Teradata?
> 61% improvement in marketing cycle time.
Teradata has a rich history of providing
> Increase in number and average protability of high-value clients.
analytical solutions that solve real-world
- Realization of increase in high-value customer base by 20%.
problems. Weve given financial institu-
- Increase in client protability by 13%.
tions just like yours the knowledge and
> Accurate view of customer value contribution.
technology to drive strategic and opera-
> Increase in direct marketing response rates (>40%).
tional decisions and to create close,
- 11% increase in RSP deposits based on targeted marketing program.
In fact, based on its experience with the new model, RBC now says:
Having this tool helps us understand more about our clients,
their behavior, and the value they bring to the bank. And it
helps us understand whether were moving the needle forward
in all of our business objectives. Like a Swiss army knife, its
one tool that helps us analyze, make decisions, and measure
performance.
Ted Brewer, Vice President, CRM and Information Management, Royal
Bank Financial Group
EB-3114
>
1007
>
PAGE 4 OF 5
personal relationships with every customer.
Teradata also brings you the power to
proactively manage your business and
drive growth. Our solutions help provide
analysis to expedite fast, accurate, and
consistent decision making across your
entire enterprise.
Teradata Solutions for Financial Services
[Link]
In addition, our Professional Services team
Teradata Solution Top Ten Reasons
can offer consulting, integration, manageNeed another reason why Teradata is the partner and
solution you need? How about 10 of them?
ment, and maintenance services, as well as
vital support in data mining, analytics, and
customer education. Well help you determine what data your warehouse needs to
The Teradata Database
2
3
Effortless Scalability
Reduced Risk
Industry-leading Data Solution Expertise
Seamless Mainframe Integration
Mission-critical Availability
Investment Protection
Quickest Time to Solution
10
Proof Beyond Claims
deliver the results youre looking for and
help answer your business questions, not
just your technical concerns.
Teradata also brings you extensive experience in the financial services industry. A
full 40% of the worlds leading institutions
are our customers. We have more experience than any other supplier in deploying
customer-centric technology solutions to
top tier companies.
For More Information
To learn more about how Teradata Solutions for the Financial Industry can expand
and enhance both your data warehouse
and your ability to build a better, stronger
business for tomorrow, contact your
Teradata representative or visit us at
[Link].
Teradata Database is the powerful, scalable, self-managing, parallel
foundation of Teradata solutions.
Start small and grow your database with your operations seamlessly.
Ease of Management
Spend less time doing database administration tasks and more time
solving business problems.
Teradata focuses on data warehousing solutions so you can focus on your
core strategy.
Teradata pioneered data warehousing and offers the worlds best and
most experienced people using a patented methodology.
Teradata offers optimized bi-directional, high-speed channel connectivity
to mainframe environments.
Teradata solutions are the proven industry leaders with the highest data
warehouse availability.
More data volume + more users = a whole new system? Not with
Teradata. Easily expand on your original system investment as your
business needs grow.
Teradata delivers an integrated solution thats ready to work right out of
the box.
Dont take our word for it. Ask the companies who are leaders in their
industries, putting Teradata to work every day.
Teradata continually improves products as new technologies and components become available. Teradata, therefore, reserves the right to change specications
without prior notice. All features, functions, and operations described herein may not be marketed in all parts of the world. Consult your Teradata representative or
[Link] for more information.
Copyright 2003-2007 by Teradata Corporation
EB-3114
>
1007
>
PAGE 5 OF 5
All Rights Reserved.
Produced in U.S.A.
