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    Zeynep Salman

    Zeynep Salman

    All posts by Zeynep Salman

    Zeynep Salman is a credit risk professional with direct experience managing originations, customer management, credit risk and collections strategies for consumer and small business portfolios. She joined FICO in 2014 and is currently Principal Consultant in the FICO Advisors Digital Practice. The FICO Advisors Digital Practice is a business consulting group staffed with seasoned digital practitioners focused on the mobile and digital transformation of financial services providers. Zeynep is passionate about driving automation, seamless onboarding experiences, convergence of credit and fraud evaluations across the lifecycle, AI driven customer engagement, and working with clients to set near and long-term roadmaps to drive value. Before joining FICO, Zeynep held many key roles at financial institutions such as Citibank, HSBC, Toyota Finance and Yapi Kredi (UniCredit).

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    • What Are Microservices? How Do They Increase Efficiency? What Are Microservices? How Do They Increase Efficiency?
      What Are Microservices? How Do They Increase Efficiency?
      June 30, 2021
      Decision Management

      In this series on the must-have components of a financial platform, I have explored the data-related capabilities. Data is the fuel of the financial platforms, how it’s processed and made ready for use is where the banks start to see the value of the data. Microservices are the very first component where we transform data into business decisions. In other words, micro…

      Zeynep Salman by Zeynep Salman
    • Defining Big Data Characteristics – A Data Scientist’s Life Hack Defining Big Data Characteristics – A Data Scientist’s Life Hack
      Defining Big Data Characteristics – A Data Scientist’s Life Hack
      May 06, 2021
      Decision Management

      In my previous post I talked about external data and data ingestion capabilities a financial platform must have. Now I’d like to describe the capability of developing big data characteristics, how important this capability is for a financial platform and how banks can use this capability to boost the value received from the data they can access. Most data scientist…

      Zeynep Salman by Zeynep Salman
    • Bank Ecosystems: The Role of Data Ingestion Bank Ecosystems: The Role of Data Ingestion
      Bank Ecosystems: The Role of Data Ingestion
      March 26, 2021
      Decision Management

      In my previous blog post, I talked about how open banking can be leveraged to build a financial ecosystem and what capabilities are required to get the maximum value from it. Now I want to deep dive into each of these capabilities, explain why we need them and show how we can best use them for different customer decisions in the financial ecosystem. I’d like to s…

      Zeynep Salman by Zeynep Salman
    • Open Banking: Are You Ready to Become a Banking Ecosystem? Open Banking: Are You Ready to Become a Banking Ecosystem?
      Open Banking: Are You Ready to Become a Banking Ecosystem?
      February 15, 2021
      Decision Management

      Within the past 20 years, we’ve witnessed a quantum leap in the evolution of business models - from being product-based to platform-based. With the rise of Open Banking, this trend is now hitting financial services. Are you ready to become a banking ecosystem? Retail typifies the move to platform, most notably by global online giant Amazon, which started out sellin…

      Zeynep Salman by Zeynep Salman
    • Behavioral Biometrics and Customer Identity Authentication Behavioral Biometrics and Customer Identity Authentication
      Behavioral Biometrics and Customer Identity Authentication
      January 19, 2021
      Fraud Protection & Compliance

      As COVID-19 has spread, concerns about fraud have increased. According to an Aite Group survey of U.S. fraud managers, their biggest concern in 2020 was synthetic identity fraud - 52% reported that this was their biggest issue in identity fraud control. This presents a challenge to banks, as to be competitive in digital lending they need to provide a super…

      Zeynep Salman by Zeynep Salman
    • The Three Rs of Managing Credit Risk in Disrupted Times The Three Rs of Managing Credit Risk in Disrupted Times
      The Three Rs of Managing Credit Risk in Disrupted Times
      September 02, 2020
      Customer Development

      According to data from the International Work Organization, more than 200 million employees were removed from their workplaces due to COVID-19. Unfortunately, many of them will not be able to return to their workplaces after pandemic. According to global statistics, the ratio of state aid to GDP is 4.4 times larger than the one after the 2008 crisis. How will these tr…

      Zeynep Salman by Zeynep Salman
    • Are Turkish Banks & Consumers Ready for Digital Account Opening? Are Turkish Banks & Consumers Ready for Digital Account Opening?
      Are Turkish Banks & Consumers Ready for Digital Account Opening?
      August 07, 2020
      Fraud Protection & Compliance

      Turkish banks are engaged in a debate about how far they will go in using biometrics to identify new customers when they open accounts, an important enabler of digital account opening. Indications from the Turkish regulator in March 2020 seem to be supportive, and legal interpretation is ongoing. While some banks are pressing ahead and realizing the benefits of dig…

      Zeynep Salman by Zeynep Salman
    • Five Things We Value More Because of COVID-19 Five Things We Value More Because of COVID-19
      Five Things We Value More Because of COVID-19
      April 20, 2020
      Customer Development

      The coronavirus outbreak is a human tragedy affecting the health of hundreds of thousands of people, and the financial health of millions. We are still in the infancy of this unprecedented global event as we try to predict different recovery scenarios and determine how deeply it will impact the world’s economy.  I believe financial companies that more effectiv…

      Zeynep Salman by Zeynep Salman
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