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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Turning Insight into Action
How Aviva Turned Great Models into Great Business Decisions
Rod Moyse, Head of Analytics, AvivaChris Yerby, Head of Claims Analytics, Aviva
Session ID 13291
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
You have bought your waythrough the SAS catalogue
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
And you have all the gear
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Data preparation: the invisible but most significant work in delivering analytics
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Butt…
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Value lies in use
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Adoption: the invisible but most significant work in delivering analytical value
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
We have learned from a series of heroic failures…
…and some award-winning successes
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Let’s travel back in time to 2010
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
The Proof Points• SAS / Aviva Collaboration
• Demonstrate that there is the opportunity to deliver value to the business using advanced analytics and tools
• 3 Proof Points (Business Problems) – Complaints, Fraud and Forecasting
• Tangible value which can be unlocked, and these three case studies were the tip of the iceberg
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Problem
• Customers who make a complaint are 2½ times more likely to leave us…
The Outcome
• 5k Incremental Lost Policies
• £3.1m costs
• Poor Customer Experience
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Objectives
SAS Text Miner analysis of complaints data
• Understand whether a customer is likely to cancel or lapse based on complaint notes
Top ‘root causes’ behind complaints and which events are most likely to trigger a customer leaving?
• Which customers can we influence by giving them additional attention after complaining or just before renewal?
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Insight
Using SAS Text Miner we could understand root cause of complaints and impact
Our conventional wisdom was overturned… Complaint text typically
refers to perceived ‘broken promises’, telephony
experience and process failure
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Outcome & proposed deploymentUnlikely to change decision to leave:Look at root causes and fix for future
Target for retention:• Follow-up call• Targeted renewal• Price test
Complaint unlikely to drive attrition
Piloted an outbound ‘service call’ to target group – checking if problem resolved etc.
Influenced behaviour of ‘target’ group - renewal rates in this group increased from 45% to 85%
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Everyone loved it… we must have more of this… this is brilliant
But guess what happened…
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Nothing
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
Be fashionable
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
Cultivate executive sponsorship… give them something to talk about
Length of drive: a new rating factor!
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
Work on a problem that really matters to someone important
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
Partner for success
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
You play the drums… join a band
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
1. You play the drums… join a band
Be fashionable
Cultivate executive sponsorship… give them something to talk about
Work on a problem that really matters to someone important
Partner with an operational sponsor - a sugar daddy with a significant problem
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
Let’s travel back in time to 2012
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
45% of detected fraud is
Motor Injury claims 25% of
fraud is now organised
30% reduction in Road Traffic Accidents?
62% increase in Injury Claims
£3.4b estimated industry claims fraud problem
£1.3b was detected in 2014 (ABI figures)
The Fraud Problem - Whiplash
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
John
We used data that the claims handler didn't see to predict the likelihood of fraud
It wasn’t rocket science… John had 4 policies with 11 Claims
Low Hanging Fruit – Network Washing
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Adrian
Brow n Farm
Flat 2, E17 xxxFlat 1, E17 xxx
John had 5 ‘friends’ connected at two addressesThey had an additional 5 policies and 8 Claims(3 implicated with Noire)
David
Daniel
Jennifer
Mario
John
Low Hanging Fruit – Network Washing
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Adrian
Flat 2, E17 xxxFlat 1, E17 xxx
Mobile Phone records connected John to 7 Policyholders. By now we have 24 Claims!
Brow n Farm
David
Daniel
Louise
Nick
Jennifer
Mario
Joanne John
Low Hanging Fruit – Network Washing
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Adrian
Flat 2, E17 xxxFlat 1, E17 xxx
NG02YYY
BN05YYY
zz/12/1969
X332YYY
Several vehicles had all been involved in multiple claims, but by different individuals.
Brow n Farm
David
Fiona
Daniel
Louise
Nick
Jennifer
Mario
Joanne John
Low Hanging Fruit – Network Washing
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Daniel
Adrian
Flat 2, E17 xxxFlat 1, E17 xxx
NG02YYY
BN05YYY
zz/12/1969
X332YYY
The same IP Address connected a number of individuals in the fraud ring. 25 Claims and counting….
Brow n Farm
David
Fiona
Louise
Nick
Jennifer
Mario
Joanne John
Low Hanging Fruit – Network Washing IP ADDRESS
IP:xxxx
IP ADDRESS
IP:xxxx
IP ADDRESS
IP:xxxx
IP ADDRESS
IP:xxxx
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
David
Fiona
Daniel
Louise
Nick
Jennifer
Adrian
Mario
Joanne
Flat 2, E17 xxxFlat 1, E17 xxx
NG02YYY
BN05YYY
zz/12/1969
X332YYY
Emily
BIG******
@YAHOO.COM
IUB*******
@YAHOO.COM
BBR******
@YAHOO.CO.UK
John
We also cross-referenced e-mail addresses used by
our own customers & third parties. In this case a
number of policyholders are using the same e-mail
address. 27 Claims and 14 policies
Low Hanging Fruit – Network Washing
Brow n Farm
IP ADDRESS
IP:xxxx
IP ADDRESS
IP:xxxx
IP ADDRESS
IP:xxxx
IP ADDRESS
IP:xxxx
Summary
• 27 claims made against 14 Motor Policies
• £150k of Claims
• 8 claims already investigated and repudiated as part of Fraud Ring Noire (staged / contrived
accidents)
• Others subsequently investigated
• 46 further policies identified that link to mobile phone and address (all off-risk)
• We found many other cases like this
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Claims Fraud FrameworkWe developed a Claims Fraud Framework using a variety of techniques to identify fraud. Our Fraud Framework built in SAS was described by IBM as industry leading….
Noire
Network Analysis
Device Tracking
Spatial Analytics
Predictive Models and Deterministic Rules
Text Mining and Watch Lists
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
But our delivery mechanism was not as sophisticated…..
Claims Fraud Framework
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
This is brilliant
But guess what happened…
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Nothing
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Only players win matches…however passionate the commentary
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
Get on the field of play
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
Deliver a product that uses your insight
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
But products are expensive so build a beta
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
Grow a beard… drink flat whites
![Page 41: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/41.jpg)
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
2. Grow a beard… drink flat whites
Only players win matches (however passionate the commentary)
Get on the field of play
Deliver a product that uses your insight
Products are expensive so build a beta version and get it out there
![Page 42: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/42.jpg)
#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Let’s travel back in time to 2013
![Page 43: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/43.jpg)
#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Distribution of Settled Cost for Whiplash Only Claims
Whiplash claims settlement variation
where Speed of Impact <5mph
The Birth of Claims Analytics We didn’t believe fraud was the only problem that could be solved in claimsWe focussed on whiplash claims where we spent £750m annually…
Variation in
Settlement Cost was large and appeared to be largely driven by inconsistent process
![Page 44: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/44.jpg)
#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
The Birth of Claims AnalyticsProposition (to claims analytics)
• A web based tool accessible by all claims handlers delivering a Fraud Assessment and Settlement Valuation Figure using Predictive Models
Outcome
• £150k investment and 90 Days to
• Develop Models, Build App, and Pilot in the operation
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#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
We built a dashboard to deliver our Fraud insight to 250 Claims Handlers it has made a massive difference to adoption
The Birth of Claims Analytics
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#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
The Dashboard also recommends our ‘best offer’ for settling the Whiplash Claim and finds appropriated Case Law
The Birth of Claims Analytics
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
This is brilliant
But guess what happened…
![Page 48: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/48.jpg)
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
A mixed reception
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Make sure your user and product goals are aligned
![Page 50: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/50.jpg)
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Set your users free… automate the run of the mill, no one wants to do what the
machine tells them
COMPUTER
SAYS
NO
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Make your users awesome
Give them a super power
![Page 52: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/52.jpg)
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
3. Make Your Users Awesome
Make sure your user goals and your product goals are aligned
Set your users free… automate the run of the mill, no one wants to do what the machine tells them
Give your users a super power
![Page 53: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/53.jpg)
#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Let’s travel back in time to 2015
![Page 54: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/54.jpg)
#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
This is an example of one of our finest collaborations with Claims
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#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Our
Claims handlers
![Page 56: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/56.jpg)
#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
The Business Problem
25%are uneconomical to repair…
…but we used to send 60% of these to the garage
anyway
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#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
The Business Problem
28 daysBecause of this it takes on average
to settle a total loss…
![Page 58: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/58.jpg)
#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
And sometimes we get it wrong!
vehicles should be repaired…
…but we write them off
The Business Problem
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#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
The Outcome
Additional
Costs for Aviva
Delays in
Settlement for the Customer
Waste for the Repairer
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#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
BUT Identifying a total loss is hard!
??
![Page 61: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/61.jpg)
#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
A test for you
??
![Page 62: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/62.jpg)
#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Customer was hit from behind by third party vehicle while braking
2008 Ford Fiesta, 77683 miles
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#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Council bin-wagon scrapped policyholders parked car
2007 Seat Ibiza, 37000 miles
![Page 64: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/64.jpg)
#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Rear end collision required many new parts and caused hidden
structural damage
Damage cosmetic and vehicle has low-mileage
How did you do?
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#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
![Page 66: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/66.jpg)
#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Our solution
SAS Real-TimeDecision Managercollects key
information from claims system in
real-time
Predictive models calculateestimated
repair costin real-time
Web call to
Auto Trader
identifies
settlement
valuation
Handler
delivered
‘next best
action’ –
repair or write
off ?
30 seconds
Customer calls Aviva
after accident
Web call establishes pre-asset vehicle
valuation
![Page 67: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/67.jpg)
#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
The benefits
Aviva: 85% of Total Losses identified on day 1
Customers: Lifecycle for customer reduced to 12 day
Handlers: A complex job made simpler (94% adherence to tool decision)
![Page 68: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/68.jpg)
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
This is brilliant
But guess what happened…
![Page 69: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/69.jpg)
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Award-winning success!
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
An unusual superpower: claims estimation
![Page 71: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/71.jpg)
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Stun your customers
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
The best glory is reflected
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
Be a money making machine
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C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
4. Score a hat trick
The best glory is reflected
Be a money making machine
Stun your customers
![Page 75: Turning Insight into Action - Sas Institute › content › dam › SAS › en_us › doc › event › ... · 2017-11-28 · C o p y r ig ht © 201 6, SAS In stitute In c. All r](https://reader033.vdocuments.us/reader033/viewer/2022053010/5f0d934a7e708231d43b096f/html5/thumbnails/75.jpg)
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
#analyticsx#analyticsx
C o p y r ig ht © 201 6, SAS In st i tute In c. A l l r ig hts r ese rve d.
..
The checklist for success
1. You play the drums… join a band
2. Grow a beard… drink flat whites
3. Make your users awesome
4. Score a hat trick
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