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E-Book
5 Steps to a Unified Enterprise Customer Decisioning StrategyIn an era of unprecedented technology-driven disruption, banks are facing a dual challenge: Meeting rising customer expectations while navigating increasingly complex regulatory demands.
To remain competitive, banks must not only innovate but also streamline operations and foster greater collaboration across departments, breaking down traditional silos and working toward innovation.
How can banks simplify their operations, future-proof their services, and drive growth? Enterprise customer decisioning is the answer. This ebook describes five important steps to making better decisions faster with enterprise customer decisioning.
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Аналитический отчет
Chartis RiskTech100 2025SAS ranks #2 overall in the prestigious Chartis RiskTech100, 2025. Six category wins are AI for Banking, Balance Sheet Risk Management, Behavioral Modeling, Enterprise Stress Testing, IFRS 9 and Model Risk Management.
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Технический документ
The balance sheet risk conundrumDiscover five key elements required to achieve the most possible value from a modernized ALM and liquidity risk management program.
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Аналитический отчет
SAS is a Leader in The Forrester Wave™: Enterprise Fraud Management, Q2 2024 -
Аналитический отчет
Chartis RiskTech Quadrant for Watchlist and Adverse Media Monitoring 2024 -
Аналитический отчет
SAS is a Leader in The Forrester Wave™: Real-Time Interaction Management, Q1 2024Forrester names SAS a Leader in The Forrester Wave™: Real-Time Interaction Management, Q1 2024.
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Аналитический отчет
Chartis RiskTech100 2024SAS climbs to No. 2 in the prestigious Chartis RiskTech 100®, 2024, and bested seven technology award categories, including AI for Banking, Behavioral Modeling and Enterprise Stress Testing.
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Технический документ
The balance sheet risk conundrumHow SAS and Microsoft are modernizing asset liability management and liquidity risk management in turbulent times.
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E-Book
Unifying Model Management Across the BankHow banks can empower all departments to manage model risk effectively across the entire model life cycle.
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E-Book
Personalized advertising that you controlBanks that control their own personalization models, data and ad delivery ultimately deliver a better customer experience.
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Аналитический отчет
Chartis RiskTech Quadrant Asset and Liability Management, 2023SAS is named a category leader in Chartis Research's 2023 RiskTech Quadrant for ALM solutions, RiskTech Quadrant for FTP solutions, RiskTech Quadrant for LRM solutions and RiskTech Quadrant for capital and balance sheet optimization solutions.
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Технический документ
Modernizing Asset Liability ManagementChanging priorities in ALM technology, data and analytics.
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Аналитический отчет
Chartis RiskTech Quadrant for Enterprise Fraud Solutions, 2023: Vendor AnalysisChartis RiskTech Quadrant for Enterprise Fraud Solutions, 2023 has named SAS a category leader for enterprise fraud solutions.
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Аналитический отчет
Chartis names SAS a leader in both Model Risk Governance and Model Validation, 2023.Chartis names SAS a leader in both Model Risk Governance and Model Validation, 2023.
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Технический документ
Retail bank media networks: Monetize customer data with personalized offers and advertisingThe creation of a “retail bank media network” can drive more valuable next-best offers, generate new ad revenue, offset revenue shortfalls and increase shareholder value.
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Технический документ
Proactive anti-financial crime strategies to improve compliance and reduce riskIn today’s fast-changing landscape, become more effective across all stages of AML investigations by following this framework and shift to a proactive, risk-based approach.
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Article
Insights Page
Why banks need to evolve their approach to climate and ESG riskManaging environmental, social and governance (ESG) risk is important to banks, regulators, investors and consumers – yet there are many interpretations of how to do it. To thrive, organizations must evolve their risk management practices – including those affected by ESG risk.
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Технический документ
Next-generation AMLSix tips to modernize your fight against money laundering.
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Технический документ
Banking in 2035: global banking survey reportWhat trends do banking leaders consider to be the greatest risks and the greatest opportunities? What internal and external barriers stand in their way? What technologies will help them harness the opportunities ahead? Download the report to explore.
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Технический документ
Decision science: From automation to optimizationThis Risk.net white paper explores decision science and automation and the efficiencies it brings, and offers insight into why automation – married with adaptable analytics – is now crucial.
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Технический документ
Banking in 2035: three possible futuresThis paper explores how the major forces affecting banks may evolve between now and 2035, seen through the lens of three potential scenarios.
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Аналитический отчет
SAS is a Leader in The Forrester Wave™: Anti-Money Laundering Solutions, Q3 2022SAS Anti-Money Laundering, which helps fight money laundering and terrorist financing with AI, machine learning, intelligent automation and advanced network visualization, is named a Leader in The Forrester Wave.
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Аналитический отчет
IDC MarketScape: Worldwide Responsible Artificial Intelligence for Integrated Financial Crime Management Platforms 2022 Vendor AssessmentLearn why SAS is positioned in the Leaders category in the 2022 IDC MarketScape for worldwide responsible artificial intelligence for integrated financial crime management platforms.
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Article
ТОП-5 схем мошенничества по предоплаченной картеЛучшие практики для предотвращения мошенничества, защиты репутации и обеспечения качественного клиентского обслуживания.
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Article
Model risk management: Vital to regulatory and business sustainabilitySloppy model risk management can lead to failure to gain regulatory approval for capital plans, financial loss, damage to a bank's reputation and loss of shareholder value. Learn how to improve model risk management by establishing controls and guidelines to measure and address model risk at every stage of the life cycle.
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Аналитический отчет
Chartis RiskTech Quadrant for Trade-Based AML Solutions 2022SAS is named a category leader in the Chartis RiskTech Quadrant for Trade-Based AML Solutions, 2022.
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Аналитический отчет
Matrix: Leading Fraud & AML Machine Learning PlatformsSAS is a best-in-class vendor in the most recent Datos Insights report, Matrix: Leading Fraud & AML Machine Learning Platforms.
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Article
Будущее банковского стресс-тестирования с аналитикой SAS в AzureУзнайте о вызовах, с которыми сталкиваются компании при стресс-тестировании, и о преимуществах перехода в облако.
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Article
Банки проверяют все операции на предмет отмывания денегНесколько лет назад в интернете можно было найти массу жалоб на несколько банков, которые слишком буквально восприняли нормы закона 115-ФЗ, и начали блокировать практически все крупные транзакции.
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Вебинар
Управление нефинансовыми рисками в свете новых требований Банка России и роль внутреннего аудитаНовые требования Банка России к системе управления операционным риском обязывают финансовые организации привести практики управления в соответствие с нововведениями. Чтобы правильно выстроить приоритеты задач и разобраться в тонкостях вышедших требований, приглашаем вас на вебинар.
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Вебинар
Практика управления нефинансовыми рисками в свете новых требований Банка РоссииУзнайте как правильно выстроить приоритеты задач и разобраться в тонкостях вышедших требований Банка России к системе управления операционным риском
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Аналитический отчет
Chartis RiskTech Quadrant for Credit Risk Solutions 2020 -
Аналитический отчет
Risk Technology Awards 2020Consumer credit modelling software of the year – SAS
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Article
Ситуационная осведомленность определяет нашу реакциюМногие обстоятельства требуют ситуационной осведомленности, то есть осознания того, что происходит вокруг. Пандемия COVID-19 усилила эту потребность, поскольку лидеры во всех отраслях использовали аналитику и визуализацию, чтобы получать ситуационную осведомленность в реальном времени и быстро реагировать на важные решения.
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Customer Story
Thai bank safeguards customers while managing fraud detection in real timeKrungsri Consumer uses SAS® Fraud Management to find fraud faster and reduce revenue losses.
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Article
Under siege: Improving customer experience in bankingBanks are ranking low in customer satisfaction, but improvement is possible says Digital Banking Report owner and publisher Jim Marous.
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Article
ИИ в банковской сфере: опрос раскрывает факторы успехаЧто банковские руководители говорят о своем опыте работы с ИИ? На чем они сосредоточены сегодня? Что работает? Какие у них планы на будущее?
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Customer Story
Modernizing consumer lending in VietnamVietCredit aims to revolutionize the consumer finance market with SAS.
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Customer Story
Поиск лучших клиентов с помощью аналитикиSeacoast Bank enhances customer value using AI and SAS Visual Analytics on SAS Viya.
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Customer Story
Making faster, better lending decisionsLocal Government Federal Credit Union sees efficiency gains with SAS.
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Технический документ
Detect and Prevent Identity Theft The explosion in e-commerce and online account opening has created new convenience and choice for consumers. At the same time, large-scale data breaches have created new opportunities for fraudsters, fueling an 8-percent increase in identity theft in a single year. Find out how to fight back, without hindering your good customers.
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Технический документ
Migrating Analytics to the Cloud: It's About Time In this paper, SAS and the International Institute for Analytics (IIA) explore how to maximize the performance and value of analytics in the cloud, weigh the options, and choose the right approach to migration.
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Аналитический отчет
Top Strategic IoT Trends and Technologies Through 2023In this report, Gartner examines 10 longer-term IoT technologies and trends that will be important in the 2018 through 2023 time frame.
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E-Book
Stress and Strategy: A C-Suite Guide to Scenario-Based Risk ManagementThis e-book from SAS and Argyle explores some of the ways that top-performing organizations are undertaking scenario-based risk assessment to develop and manage their business strategies.
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Технический документ
Detect and prevent digital banking fraudDiscover how banks can fight identity-based fraud attacks using proven analytical methods to detect the fraudsters while expediting service for legitimate customers.
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Технический документ
Fighting Insurance Application Fraud Learn about the advantages of using analytics-driven methods for authenticating applicants to reveal customer gaming, agent gaming and potential future claims fraud.
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Customer Story
Preventing crime and ensuring compliance at 120 Nordic banksSDC enables small and medium financial institutions in four Nordic countries to stay compliant.
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Article
Strengthen your payment fraud defenses with stronger authenticationThe rapid growth of digital wallets and payment applications ushered in many new payment fraud threats. Today, it’s more critical than ever to authenticate users. Learn four innovative to ways strengthen your authentication defenses while reducing false positives and protecting customers’ assets.
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Технический документ
Managing Fraud Risk in the Digital Age The rise of mobile and online transactions introduces new fraud risks. Retailers and payment processors must adapt their anti-fraud defenses, augmenting them with stronger, analytics-driven authentication, proactive detection and mitigation tools.
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Технический документ
Keys to robust credit risk modeling and decisioning for better customer experienceModernizing and automating the end-to-end process for origination and servicing – from data management to model development to credit decisions – can reduce credit losses and boost performance. This paper explores how infusing machine learning into this process supports more effective credit decisions for individuals, products or portfolios.
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Customer Story
«Первое кредитное бюро» предложило новую услугу на базе инструментов аналитики SAS и облачной платформы StatCloudОблачная интерактивная среда, построенная на решениях компании SAS, позволяет клиентам Бюро анализировать свой портфель и видеть свои позиции относительно остального финансового рынка.
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Технический документ
Artificial Intelligence for ExecutivesThis paper outlines the SAS approach to AI and explains key concepts. It also provides process and implementation tips if you are considering adding AI technologies to your business and analytical strategies.
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Технический документ
Machine Learning Use Cases in Financial CrimesLearn 10 proven ways machine learning can boost the efficiency and effectiveness of fraud and financial crimes teams – from data collection to detection to investigation and reporting.
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Технический документ
Risk-Aware Finance and the Changing Nature of CreditNew research by Chartis and SAS highlights how financial institutions must align finance and risk departments to accurately assess future risks and bolster budgeting and forecasting capabilities. This paper explores how risk-aware finance is becoming essential to meeting future regulatory and competitive demands.
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Технический документ
Using Hybrid Cloud Capabilities for True Omnichannel MarketingSeamless, agile customer interactions require a marketing system that can collect data about a customer’s interactions and behavior across all touch points, regardless of underlying technology. Learn how SAS Customer Intelligence 360 lets you use both cloud and on-site channels and data to create an omnichannel marketing solution.
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Customer Story
Fast analytical defenseDeutsche Kreditbank AG combats fraud and money laundering with SAS.
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Технический документ
Text Analytics for ExecutivesThis paper looks at how organizations in banking, health care and life sciences, manufacturing and government are using SAS text analytics to drive better customer experiences, reduce fraud and improve society.
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Технический документ
Tackle the Complexity of IFRS 9 and CECL StandardsThe US standard for CECL increases the complexity of the allowance estimation process. Outside the US, IFRS 9 is having the same effect. Learn about best practices for getting this right.
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Технический документ
Protect the Integrity of the Procurement FunctionProcurement fraud affects nearly one-third of organizations, and it is often perpetrated by the most trusted, longtime employees, the ones you’d least suspect. Learn from two white-collar crime specialists about common flavors of procurement fraud, striking examples from recent headlines, four fundamental ways to get better at detecting and preventing fraud, and how to take procurement integrity to the next level.
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Технический документ
Designing the Infrastructure for Credit Risk Model DevelopmentExplore the most common problems organizations face when setting up infrastructure for analytics – and credit risk modeling specifically – and learn about ways to increase productivity and reduce problems through better planning and design.
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Технический документ
CECL: Don't Neglect the FundamentalsFirms that proactively implement a CECL process that is controlled, efficient, collaborative and sustainable will find themselves with a competitive advantage over time. This paper discusses the long-term benefits of this holistic approach.
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Article
CECL: Are US banks and credit unions ready?CECL, current expected credit loss, is an accounting standard that requires US banking institutions and credit unions to estimate life-of-loan losses at origination or purchase.
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Технический документ
Analytics Platform and Program: Keys to Success for Regulatory Compliance in Financial ServicesAdvanced analytics is at the heart of regulatory compliance processes in financial services. This paper discusses data enormity and preparation for analysis; flexibility in computing platforms; and a comprehensive program for data, analytics and models.
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Article
Equifax uses trended data to better qualify loan applicantsMachine learning for credit scoring has helped Equifax analyze consumer data over time to determine which borrowers are trending in a positive direction and develop a more accurate measure than credit scores.
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Article
IFRS 9 and CECL: The challenges of loss accounting standardsThe loss accounting standards, CECL and IFRS 9, change how credit losses are recognized and reported by financial institutions. Although there are key differences in the standards for CECL (US) and IFRS 9 (international), both require a more forward-looking approach to credit loss estimation.
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Технический документ
Firmwide Scenario Analysis and Stress TestingThis paper explores the two most commonly used firmwide scenario model approaches for stress testing, firmwide risk capital measures and how regulatory stress testing is different from the firmwide risk capital approach mandated by CCAR and EBA.
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Технический документ
Leveraging Analytics to Combat Digital Fraud in Financial OrganizationsInternational Institute for Analytics summarizes key questions and answers about financial fraud in the digital age.
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Article
Risk data aggregation: Transparency, controls and governance are needed for data quality and reportingFinancial institutions’ data aggregation and reporting techniques and systems are receiving increased attention both internally and externally. Find out how to take a comprehensive approach to BCBS principles and risk data aggregation and management.
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Article
Online fraud: Increased threats in a real-time worldOnline and mobile banking is convenient for customers -- and an opportunity for fraudsters. With fraud methods constantly evolving, an analytical approach is a must for banks seeking early, accurate detection.
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Article
What was your data doing during the financial crisis?Financial institutions usually survive a crisis, then react to prevent it in the future. SAS' Mazhar LeGhari explains how data can help you break that cycle.
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Article
Мобильные платежи, смурфы и новые угрозыИнновации охватили весь мир – даже где-нибудь в глухой кенийской деревне мобильный телефон служит местному жителю виртуальным кошельком. Но почему эта новая технология может стать потенциальным препятствием в борьбе с отмыванием доходов?
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Article
Data quality: The Achilles' heel of risk managementGiven the tightly regulated environment banks face today, the importance of data quality cannot be overstated. Beyond the obvious benefits of staying one step ahead of regulatory mandates, having accurate, integrated and transparent data will drive confident, proactive decisions to support a solid risk management foundation.
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Технический документ
Rethinking customer due diligenceHelp evaluate your organization's CDD processes and technology relative to current industry risks and regulatory requirements.
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Article
Marketing optimization: Five lessons learned at a major US bankHow does a bank know what you need when you visit its website, open the mobile banking app or walk into the branch? For one of the largest banks in the US, the answer is marketing optimization. Here are five lessons they’ve learned.
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Article
Improving customer experience with digital marketingAdvanced analytics can help bankers predict customer behavior and deliver personalized offers to customers just at the moment they're most open to receiving them.
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Технический документ
The Value of Credit Risk Transformations and the Role of AIAs banks seek continued progress in their credit risk transformation journey, the insights gathered by SAS and GARP reveal the obstacles they face.
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E-Book
Data scientists use SAS Viya on Microsoft Azure to develop big innovationsThis e-book features top solutions showcasing how global Hackathon teams used SAS Viya on Microsoft Azure to develop innovative approaches that save time, money, and entire ecosystems, such as the world's coral reefs.
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E-Book
Fearless Decision? The most successful banks of the future will be those who can see their customers as individuals, appreciate their unique journeys and make decisions accordingly — across all associated business functions.
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E-Book
Fight money laundering with these 5 next-gen game changers from SASEffectively battling dynamic financial crime threats requires new capabilities for AML defense – such as artificial intelligence, machine learning, intelligent automation and advanced visualization.
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Технический документ
Artificial Intelligence in Banking and Risk ManagementGlobal Association of Risk Professionals (GARP) and SAS survey drew more than 2,000 responses from across the financial services industry to answer questions about the current and future state of AI in risk.
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Технический документ
Compete and win with better model risk managementAs explored in this paper, models can degrade over time, and sound model risk management (MRM) is the key to managing this risk.
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E-Book
Adapting to the New Age of Risk AnalyticsRapid advancements in technology are leading to a new age of risk analytics. The availability of commercial and open source software – coupled with significantly improved integration using industry standard tools – has made analytics more user friendly, expanding its reach to a broader range of business professionals.
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Технический документ
Scenario-Based Risk Management: Overcoming the ChallengesAs regulatory stress test regimes mature, financial institutions are looking for ways to harness investments they made in stress testing programs to gain additional business value.
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Технический документ
Data, analytics and machine learning: The new frontier of fraud preventionThe Economist explores how global financial institutions are using advanced technologies such as machine learning to support fraud and security intelligence.
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Технический документ
Seven trends that will transform bankingAdvanced analytics and big data are enabling smarter decisions and more efficient processes, from credit to compliance and risk management.
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Технический документ
Anti-Fraud Technology As criminals find new ways to exploit technology and target potential victims, anti-fraud professionals must adopt new technologies to effectively navigate the evolving threat landscape.
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Технический документ
Machine Learning Model GovernanceBanks are rapidly expanding their use of machine learning-enabled (ML) models, because they can provide step-level improvements in accuracy. But ML models need even more rigorous governance than traditional models. This paper explores what's required to implement effective ML model governance.
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Технический документ
Balancing Fraud Detection and the Customer Experience Customers of a digital business create an intricate online footprint as they transact online. Businesses that capture and truly understand a complete identity based on online and offline attributes can seamlessly authenticate good customers and reliably spot the fraudulent or hijacked identities – in real time.
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Технический документ
AI Is at the Forefront of Reducing Money Laundering and Combating the Financing of Terrorism See how artificial intelligence (AI), machine learning (ML) and robotic process automation (RPA) are helping firms overcome the challenges, improve results and make AML/CFT programs more efficient and effective.
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Технический документ
From Crisis to Opportunity: Redefining Risk ManagementHow a more automated approach to risk management can transform banks’ performance, during the pandemic and beyond.
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Технический документ
Outrunning risk with cloudBy employing cloud-based risk modeling and decisioning capabilities, banks can make faster, more sophisticated risk calculations that keep them one step ahead of existing and emerging threats.
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Технический документ
How AI and Machine Learning Are Redefining Anti-Money LaunderingMachine learning can play a big role in the defense against money laundering, either to automate tasks that formerly required human intervention, such as managing the data to train models, or detect more financial crimes risk that rules and more basic analytic techniques might miss.
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Технический документ
Managing Models and Their RisksComputational and technological challenges present opportunities for a fast-evolving risk management discipline.
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Технический документ
Stress Testing 2.0: Better Informed Decisions Through Expanded Scenario-Based Risk ManagementA road map for those who are starting to build – or are rethinking their approach to – their stress testing infrastructure and strategy.
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Технический документ
Basel IV: The push you neededIn a landscape of great uncertainty and the economic crisis sparked by COVID-19, financial institutions must address the challenges Basel IV will bring. An integrated risk management approach is the best path forward to meeting ever-evolving regulatory needs.
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Технический документ
The Escalation of Digital FraudThis Javelin Research report is based on 120 independent interviews of payment and security executives in 20 countries and delivers a clear picture of how digital fraud has changed the global operating environment for financial institutions.
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Технический документ
Payments Without BordersMitigating fraud risks in cashless payments by holistically understanding your customers across all channels.
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Оперативная сводка
Climate RiskA collection of articles from Risk.net on the impact of climate change on banks. SAS provides some key ideas for companies performing a self-assessment of their maturity in climate risk management.
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Технический документ
Building Artificial Intelligence in Credit Risk: A Commercial Lending PerspectiveWhat will it take for banks to trust artificial intelligence (AI) and machine learning (ML) with judgments about data accuracy and leverage it for commercial lending process automation?
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Технический документ
AML ModernizationThis white paper explores current organizational challenges, outlines the benefits of new AML technology adoption, and identifies how to embark on a journey of discovery and modernization.
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E-Book
Customer experience - now and into the futureExperience 2030: Research reveals 5 key themes driving customer experience. Build a forward-looking customer experience framework.
