Consumer Web
Investments
Are Dying
Financial
Services
Engineerin
g
&
Product
FinanceVs
Experience Gross MarginVs
New Opportunities
Short Term Consumer Loans
Instant Business Loans
Frictionless Payments
Instant Underwriting Gateways
RISK
Default
Fraud
Abuse
Account Take Over
Stolen and Fake Identities
Compromised Devices
There Is No (Need For) Big
Data
“Small Data”
FraudSciences, Klarna
Your Data
Will Not Be Big
3TB Isn’t Big Data
Data Set Fragmentation
Dirty Performance Flag
Model Development
Practices
Not Customer Care
Agents
Not Data Scientists
What Will They Do for
You?
Root Cause Analysis
and Tagging
Variable and Data
Source
Lead Generation
Performance Validation
Give Them Force
Multipliers