Combining Machine Learning with Credit Risk Scorecards
Here's how to get the full power of machine learning without losing the transparency that’s important from credit risk scorecards
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Shafi Rahman
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How Banks Can Fight Attrition and Improve Risk Predictions
How can banks leverage their transactional and non-traditional data sources to fight attrition and risk prediction? At this week’s Credit Scoring and Credit Control XIV conference,…
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How to Ensure Relevance and ROI with Discount Offers
In the world of customer centric targeted marketing, the biggest challenge that marketers face is that of balancing relevance with return on the investment (ROI). Relevance implies…
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Big Data Hype and the Parable of Google Flu
Shafi Rahman In mid-March, David Lazer and his colleagues published a paper in Science that demonstrated that Google Flu Trends overestimated the number of cases of flu substanti…
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Why Customer Segmentation Still Matters in the Era of Big Data Analytics
By Shafi Rahman In the era of Big Data analytics, it is fairly common to dismiss segmentation as an old methodology with minimal, if any, role to play in customer-centric deci…
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In with the In Crowd: Targeting Social Influencers
By Shafi Rahman The idea of social influencers is quite enticing for marketers. Mass marketing is often an expensive and blunt tool, and its impact is usually very difficult t…
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Is Your Hadoop Working For You?
Shafi Rahman and Eeshan Malhotra Up until the recent past, analytic scientists had to resort to complex frameworks and data designs to solve their big data problems. This was…
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Analytic Scientists vs. Automatons in the Big Data World
A common question in today’s world is whether one can create models automatically. As I noted in one of my earlier blogs, FICO pioneered the use of Big Data and machine autom…
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FICO World Preview: Mechanisms for Building Multiple Models
By Shafi Rahman In my session at FICO World on Mechanisms for Building Multiple Models, we will be discussing the technique of modeling automation that FICO pioneered. We have a…
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Location-Based Marketing Using GPS Data
Collecting GPS data is becoming quite pervasive. Using the knowledge of where a customer goes, which path she travels, and how much time she spends at various locations can improve…
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How to Boil the Ocean in a Day?
How do you boil the ocean in a day? One bucket at a time. The trick is to boil multiple buckets simultaneously to significantly speed up the boiling process. There is an important…
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Science of Crystal Ball Gazing
clair•voy•ance /kle(ə)rˈvoiəns/Noun: Ability to perceive matters beyond the range of ordinary perception- Merriam-Webster Dictionary When was the last time you wished you kne…
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