BANKING AND FINANCIAL SERVICE MODELS

Octave Analytical models help banks to gain deep understanding of their customers. The insights we generate establish a risk-aware culture, anticipate risk and prescribe mitigation. We can help you monetize what you know about your customers, how you engage your customers and the history generated from your customers’ transactions. Octave is the best-in-class analytics service provider when considering how to optimize capital and liquidity management. Our banking analytics intelligently keeps you within regulatory requirements framework. We also offer integrated dialogue and data capture through all touch points with 1 to 1 engagement and real-time actions and recommendations.

Customer Value Management

Understand your customer by bringing all its data together so everyone can explore, gain intelligence​

  1. Value Extraction Model
  2. Customer Link Analytics
  3. Customer Experience Indexing
  4. Multi-Banking Predictive Model
  5. High Value Detection Model
  6. Business Opportunity/Business Risk
  7. Customer Profitability Model
  8. Next Best Action
  9. Customer Lifetime Value
  10. Survival Analysis
  11. Dormancy Prediction Model

Banking Treasury Analytics

As the corporate treasury function continues to grow and evolve, engage Octave to discover patterns in to treasury data​

  1. Reserve & Investment Analytics
  2. Liquid and Funds Management Model
  3. Asset-Liability Management >Modelling
  4. Treasury Risk Assessment
  5. Transfer Pricing Analytics
  6. Derivative Trading Model
  7. Arbitrage Matching Models
  8. Cash Forecasting
  9. Capital Adequacy Models
  10. Advance to Deposit Ratio

Fraud Detection and Management Models

Detect patterns of uncommon features occuring together. These patterns may be opportunities or frauds

  1. Risk Analytics
  2. Unique Denial Rate
  3. Suspicious Activity Management
  4. Anomaly Detection
  5. PIT Scenario Analysis
  6. Fraudulent Customer Links Analytics
  7. Revenue Leakage Detection
  8. Fraud Rate
  9. Fraud Report by Branch/Channel/ATM

Loan Analytics

Become more intelligent by employing Octave Analytics to transform your debt portfolio into Intelligence

  1. Credit Scoring Models
  2. Risk Assessment
  3. Loan Portfolio Composition
  4. Non-Performing Loan Ration
  5. Commercial Loan Analytics
  6. Loan Loss Reserve vs. Percentage of Gross Loan
  7. Servicing Loan Composition
  8. Loan Recovery Rate
  9. % Loan Secured by Collateral
  10. Average Loan to Customer Ratio

Market Segmentations & Scorecards

Identify homogenous group of customers for marketing campaigns and maximization of value

  1. Value Band Segmentation
  2. Customer Lifestyle Segmentation
  3. Propensity Scorecards
  4. Application Scorecard
  5. Online Transaction & Alternative Channels Scorecards
  6. Behavioral Scorecards
  7. Collection Scorecard
  8. Incremental Revenue Modelling
  9. Attrition Modeling
  10. Sentiment/Sensitivity Analysis
  11. Customer Satisfaction Survey

Mortage Loan Analytics

​Lets provides you with insights into how pricing strategy and market conditions will affect mortgage volume and demand

  1. Mortgage Loan Pull-Through Rate
  2. Average Mortgage Loan Value
  3. Teir 1 Commercial Capital Ratio
  4. Loan Subject to Prepayment Penalty
  5. Mortage Under Syndicate
  6. Loan Reserve vs. Gross Loan
  7. % Of Loan Decline/Approve/Abandonned
  8. Average Mortgage Applicant Income Analysis
  9. Ratio vs % of Neglected Claim
  10. Early Pay-off Ratios

Customer Base & Branch Activity Monitor

At Octave, we offer daily and near-real time activity monitoring with the goal of being the first to know

  1. New Account Activation Per Branch
  2. Banking Efficiency Ratio
  3. Quality of Activation Analysis
  4. Branch Deposit Modeling
  5. Debit/Credit Card Transaction Inspections
  6. Transaction Modelling
  7. Average Lobby Wait Time Per Branch
  8. Loan/Deposit/ Withdrawal Transactions Per Branch
  9. Net Cash Over/Shot Per Teller
  10. Customer Branch Contact Modeling
  11. Alternative Channel Usage Analytics

Cash Management Model

We have developed a number of mathemetical models to determine what should be your optimal cash limit at a given pont in time

  1. New Account Activation Per Branch
  2. Banking Efficiency Ratio
  3. Quality of Activation Analysis
  4. Branch Deposit Modeling
  5. Debit/Credit Card Transaction Inspections
  6. Transaction Modelling
  7. Average Lobby Wait Time Per Branch
  8. Loan/Deposit/ Withdrawal Transactions Per Branch
  9. Net Cash Over/Shot Per Teller
  10. Customer Branch Contact Modeling
  11. Alternative Channel Usage Analytics

Other Related Banking Models

Octave Analytics offers services that enable effective and efficient utilization ​of banking data resources

  1. Alternative Channel Usage Analytics
  2. Localized/Segment Brand Health Tracker
  3. Data Cleansing
  4. TOMA Assessment
  5. RFM Matrix
  6. Contact and Customer Engagement Models
  7. Survival Data Mining
  8. Logistics Regression & Correllation

We also design, execute and implement proprietary models where you define the business rules and functional logic

Mobile Financial Service Model

Implementation of insights from our Mobile Money analytics services accelerates your customers’ adoption of MFS services​

  1. Credit Scoring Model
  2. Fraud Detection Model
  3. Mobile Financial Services Risk Matrix
  4. Debt Collection Model
  5. KYC Management
  6. Mobile Money Data Cleansing
  7. Agent Network Manager
  8. Agent Liquidity Model

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We deliver first class service to all clients, both large and small-scale venture

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