Risk Scoring For A Loan Application On Ibm System Z Running Ibm Spss Real Time Analytics
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Risk Scoring For A Loan Application On Ibm System Z Running Ibm Spss Real Time Analytics
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Author : Mike Ebbers
language : en
Publisher: IBM Redbooks
Release Date : 2013-10-02
Risk Scoring For A Loan Application On Ibm System Z Running Ibm Spss Real Time Analytics written by Mike Ebbers and has been published by IBM Redbooks this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-10-02 with Computers categories.
When ricocheting a solution that involves analytics, the mainframe might not be the first platform that comes to mind. However, the IBM® System z® group has developed some innovative solutions that include the well-respected mainframe benefits. This book describes a workshop that demonstrates the use of real-time advanced analytics for enhancing core banking decisions using a loan origination example. The workshop is a live hands-on experience of the entire process from analytics modeling to deployment of real-time scoring services for use on IBM z/OS®. In this IBM Redbooks® publication, we include a facilitator guide chapter as well as a participant guide chapter. The facilitator guide includes information about the preparation, such as the needed material, resources, and steps to set up and run this workshop. The participant guide shows step-by-step the tasks for a successful learning experience. The goal of the first hands-on exercise is to learn how to use IBM SPSS® Modeler for Analytics modeling. This provides the basis for the next exercise "Configuring risk assessment in SPSS Decision Management". In the third exercise, the participant experiences how real-time scoring can be implemented on a System z. This publication is written for consultants, IT architects, and IT administrators who want to become familiar with SPSS and analytics solutions on the System z.
Risk Scoring For A Loan Application On Ibm System Z
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Author : Mike Ebbers
language : en
Publisher:
Release Date : 2013
Risk Scoring For A Loan Application On Ibm System Z written by Mike Ebbers and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Data mining categories.
When ricocheting a solution that involves analytics, the mainframe might not be the first platform that comes to mind. However, the IBM® System z® group has developed some innovative solutions that include the well-respected mainframe benefits. This book describes a workshop that demonstrates the use of real-time advanced analytics for enhancing core banking decisions using a loan origination example. The workshop is a live hands-on experience of the entire process from analytics modeling to deployment of real-time scoring services for use on IBM z/OS®. In this IBM Redbooks® publication, we include a facilitator guide chapter as well as a participant guide chapter. The facilitator guide includes information about the preparation, such as the needed material, resources, and steps to set up and run this workshop. The participant guide shows step-by-step the tasks for a successful learning experience. The goal of the first hands-on exercise is to learn how to use IBM SPSS® Modeler for Analytics modeling. This provides the basis for the next exercise "Configuring risk assessment in SPSS Decision Management". In the third exercise, the participant experiences how real-time scoring can be implemented on a System z. This publication is written for consultants, IT architects, and IT administrators who want to become familiar with SPSS and analytics solutions on the System z.
Enabling Real Time Analytics On Ibm Z Systems Platform
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Author : Lydia Parziale
language : en
Publisher: IBM Redbooks
Release Date : 2016-08-08
Enabling Real Time Analytics On Ibm Z Systems Platform written by Lydia Parziale and has been published by IBM Redbooks this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-08-08 with Computers categories.
Regarding online transaction processing (OLTP) workloads, IBM® z SystemsTM platform, with IBM DB2®, data sharing, Workload Manager (WLM), geoplex, and other high-end features, is the widely acknowledged leader. Most customers now integrate business analytics with OLTP by running, for example, scoring functions from transactional context for real-time analytics or by applying machine-learning algorithms on enterprise data that is kept on the mainframe. As a result, IBM adds investment so clients can keep the complete lifecycle for data analysis, modeling, and scoring on z Systems control in a cost-efficient way, keeping the qualities of services in availability, security, reliability that z Systems solutions offer. Because of the changed architecture and tighter integration, IBM has shown, in a customer proof-of-concept, that a particular client was able to achieve an orders-of-magnitude improvement in performance, allowing that client's data scientist to investigate the data in a more interactive process. Open technologies, such as Predictive Model Markup Language (PMML) can help customers update single components instead of being forced to replace everything at once. As a result, you have the possibility to combine your preferred tool for model generation (such as SAS Enterprise Miner or IBM SPSS® Modeler) with a different technology for model scoring (such as Zementis, a company focused on PMML scoring). IBM SPSS Modeler is a leading data mining workbench that can apply various algorithms in data preparation, cleansing, statistics, visualization, machine learning, and predictive analytics. It has over 20 years of experience and continued development, and is integrated with z Systems. With IBM DB2 Analytics Accelerator 5.1 and SPSS Modeler 17.1, the possibility exists to do the complete predictive model creation including data transformation within DB2 Analytics Accelerator. So, instead of moving the data to a distributed environment, algorithms can be pushed to the data, using cost-efficient DB2 Accelerator for the required resource-intensive operations. This IBM Redbooks® publication explains the overall z Systems architecture, how the components can be installed and customized, how the new IBM DB2 Analytics Accelerator loader can help efficient data loading for z Systems data and external data, how in-database transformation, in-database modeling, and in-transactional real-time scoring can be used, and what other related technologies are available. This book is intended for technical specialists and architects, and data scientists who want to use the technology on the z Systems platform. Most of the technologies described in this book require IBM DB2 for z/OS®. For acceleration of the data investigation, data transformation, and data modeling process, DB2 Analytics Accelerator is required. Most value can be achieved if most of the data already resides on z Systems platforms, although adding external data (like from social sources) poses no problem at all.
Credit Risk Analytics
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Author : Bart Baesens
language : en
Publisher: John Wiley & Sons
Release Date : 2016-09-19
Credit Risk Analytics written by Bart Baesens and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-09-19 with Business & Economics categories.
The long-awaited, comprehensive guide to practical credit risk modeling Credit Risk Analytics provides a targeted training guide for risk managers looking to efficiently build or validate in-house models for credit risk management. Combining theory with practice, this book walks you through the fundamentals of credit risk management and shows you how to implement these concepts using the SAS credit risk management program, with helpful code provided. Coverage includes data analysis and preprocessing, credit scoring; PD and LGD estimation and forecasting, low default portfolios, correlation modeling and estimation, validation, implementation of prudential regulation, stress testing of existing modeling concepts, and more, to provide a one-stop tutorial and reference for credit risk analytics. The companion website offers examples of both real and simulated credit portfolio data to help you more easily implement the concepts discussed, and the expert author team provides practical insight on this real-world intersection of finance, statistics, and analytics. SAS is the preferred software for credit risk modeling due to its functionality and ability to process large amounts of data. This book shows you how to exploit the capabilities of this high-powered package to create clean, accurate credit risk management models. Understand the general concepts of credit risk management Validate and stress-test existing models Access working examples based on both real and simulated data Learn useful code for implementing and validating models in SAS Despite the high demand for in-house models, there is little comprehensive training available; practitioners are left to comb through piece-meal resources, executive training courses, and consultancies to cobble together the information they need. This book ends the search by providing a comprehensive, focused resource backed by expert guidance. Credit Risk Analytics is the reference every risk manager needs to streamline the modeling process.
Systems Of Insight For Digital Transformation Using Ibm Operational Decision Manager Advanced And Predictive Analytics
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Author : Whei-Jen Chen
language : en
Publisher: IBM Redbooks
Release Date : 2015-12-03
Systems Of Insight For Digital Transformation Using Ibm Operational Decision Manager Advanced And Predictive Analytics written by Whei-Jen Chen and has been published by IBM Redbooks this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-12-03 with Computers categories.
Systems of record (SORs) are engines that generates value for your business. Systems of engagement (SOE) are always evolving and generating new customer-centric experiences and new opportunities to capitalize on the value in the systems of record. The highest value is gained when systems of record and systems of engagement are brought together to deliver insight. Systems of insight (SOI) monitor and analyze what is going on with various behaviors in the systems of engagement and information being stored or transacted in the systems of record. SOIs seek new opportunities, risks, and operational behavior that needs to be reported or have action taken to optimize business outcomes. Systems of insight are at the core of the Digital Experience, which tries to derive insights from the enormous amount of data generated by automated processes and customer interactions. Systems of Insight can also provide the ability to apply analytics and rules to real-time data as it flows within, throughout, and beyond the enterprise (applications, databases, mobile, social, Internet of Things) to gain the wanted insight. Deriving this insight is a key step toward being able to make the best decisions and take the most appropriate actions. Examples of such actions are to improve the number of satisfied clients, identify clients at risk of leaving and incentivize them to stay loyal, identify patterns of risk or fraudulent behavior and take action to minimize it as early as possible, and detect patterns of behavior in operational systems and transportation that lead to failures, delays, and maintenance and take early action to minimize risks and costs. IBM® Operational Decision Manager is a decision management platform that provides capabilities that support both event-driven insight patterns, and business-rule-driven scenarios. It also can easily be used in combination with other IBM Analytics solutions, as the detailed examples will show. IBM Operational Decision Manager Advanced, along with complementary IBM software offerings that also provide capability for systems of insight, provides a way to deliver the greatest value to your customers and your business. IBM Operational Decision Manager Advanced brings together data from different sources to recognize meaningful trends and patterns. It empowers business users to define, manage, and automate repeatable operational decisions. As a result, organizations can create and shape customer-centric business moments. This IBM Redbooks® publication explains the key concepts of systems of insight and how to implement a system of insight solution with examples. It is intended for IT architects and professionals who are responsible for implementing a systems of insights solution requiring event-based context pattern detection and deterministic decision services to enhance other analytics solution components with IBM Operational Decision Manager Advanced.
Apache Spark Implementation On Ibm Z Os
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Author : Lydia Parziale
language : en
Publisher: IBM Redbooks
Release Date : 2016-08-13
Apache Spark Implementation On Ibm Z Os written by Lydia Parziale and has been published by IBM Redbooks this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-08-13 with Computers categories.
The term big data refers to extremely large sets of data that are analyzed to reveal insights, such as patterns, trends, and associations. The algorithms that analyze this data to provide these insights must extract value from a wide range of data sources, including business data and live, streaming, social media data. However, the real value of these insights comes from their timeliness. Rapid delivery of insights enables anyone (not only data scientists) to make effective decisions, applying deep intelligence to every enterprise application. Apache Spark is an integrated analytics framework and runtime to accelerate and simplify algorithm development, depoyment, and realization of business insight from analytics. Apache Spark on IBM® z/OS® puts the open source engine, augmented with unique differentiated features, built specifically for data science, where big data resides. This IBM Redbooks® publication describes the installation and configuration of IBM z/OS Platform for Apache Spark for field teams and clients. Additionally, it includes examples of business analytics scenarios.
Using Ibm Z Os Wlm To Measure Mobile And Other Workloads
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Author : IBM Client Center Montpellier
language : en
Publisher: IBM Redbooks
Release Date : 2016-10-25
Using Ibm Z Os Wlm To Measure Mobile And Other Workloads written by IBM Client Center Montpellier and has been published by IBM Redbooks this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-10-25 with Computers categories.
This IBM® RedpaperTM publication discusses the need to monitor and measure different workloads, especially mobile workloads. It introduces the workload classification capabilities of IBM z SystemsTM platforms and helps you to understand how recent enhancements to IBM MVSTM Workload Management (WLM) and other IBM software products can be used to measure the processor cost of mobile workloads. This paper looks at how mobile-initiated and other transactions in IBM CICS®, IMSTM, DB2®, and WebSphere® Application Server can be "tagged and tracked" using WLM. For each of these subsystems, the options for classifying mobile requests and using WLM to measure mobile workloads are reviewed. A scenario is considered in which a bank is witnessing a significant growth in mobile initiated transactions, and wants to monitor and measure the mobile channels more closely. This paper outlines how the bank can use WLM to do this. This publication can help you to configure WLM mobile classification rules. It can also help you to interpret Workload Activity reports from IBM RMFTM Post Processor and to report on the CPU consumption of different workloads, including mobile and public cloud workloads.
Quantitative Analysis And Ibm Spss Statistics
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Author : Abdulkader Aljandali
language : en
Publisher: Springer
Release Date : 2016-11-08
Quantitative Analysis And Ibm Spss Statistics written by Abdulkader Aljandali and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-11-08 with Business & Economics categories.
This guide is for practicing statisticians and data scientists who use IBM SPSS for statistical analysis of big data in business and finance. This is the first of a two-part guide to SPSS for Windows, introducing data entry into SPSS, along with elementary statistical and graphical methods for summarizing and presenting data. Part I also covers the rudiments of hypothesis testing and business forecasting while Part II will present multivariate statistical methods, more advanced forecasting methods, and multivariate methods. IBM SPSS Statistics offers a powerful set of statistical and information analysis systems that run on a wide variety of personal computers. The software is built around routines that have been developed, tested, and widely used for more than 20 years. As such, IBM SPSS Statistics is extensively used in industry, commerce, banking, local and national governments, and education. Just a small subset of users of the package include the major clearing banks, the BBC, British Gas, British Airways, British Telecom, the Consumer Association, Eurotunnel, GSK, TfL, the NHS, Shell, Unilever, and W.H.S. Although the emphasis in this guide is on applications of IBM SPSS Statistics, there is a need for users to be aware of the statistical assumptions and rationales underpinning correct and meaningful application of the techniques available in the package; therefore, such assumptions are discussed, and methods of assessing their validity are described. Also presented is the logic underlying the computation of the more commonly used test statistics in the area of hypothesis testing. Mathematical background is kept to a minimum.
Working Mother
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Author :
language : en
Publisher:
Release Date : 2000-10
Working Mother written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000-10 with categories.
The magazine that helps career moms balance their personal and professional lives.
Data Analysis In Management With Spss Software
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Author : J.P. Verma
language : en
Publisher: Springer Science & Business Media
Release Date : 2012-12-13
Data Analysis In Management With Spss Software written by J.P. Verma and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-12-13 with Social Science categories.
This book provides readers with a greater understanding of a variety of statistical techniques along with the procedure to use the most popular statistical software package SPSS. It strengthens the intuitive understanding of the material, thereby increasing the ability to successfully analyze data in the future. The book provides more control in the analysis of data so that readers can apply the techniques to a broader spectrum of research problems. This book focuses on providing readers with the knowledge and skills needed to carry out research in management, humanities, social and behavioural sciences by using SPSS.