THE APPLICATION OF AI IN ENTERPRISE FOR IMPROVED PERFORMANCE, INNOVATION & CUSTOMER EXPERIENCE.
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1 1 THE APPLICATION OF AI IN ENTERPRISE FOR IMPROVED PERFORMANCE, INNOVATION & CUSTOMER EXPERIENCE F E B R UA RY
2 2 Company overview.
3 3 is living the Megatrends right here in Africa.
4 MyBucks Technology. 4 Artificial intelligence Big data Best EU Financial Inclusion Company 2017 Chatbots Cloud Open API s
5 5 Artificial intelligence.
6 A.I.? 6 Point of singularity. According to this hypothesis, an upgradable intelligent agent (such as a computer running software-based artificial general intelligence) would enter a 'runaway reaction' of self-improvement cycles, with each new and more intelligent generation appearing more and more rapidly, causing an intelligence explosion and resulting in a powerful superintelligence that would, qualitatively, far surpass all human intelligence.
7 Segmentation algorithms What is A.I.? Age prediction example Required skill set 7 Actuarial Targeted marketing Retention and win-back Understanding customer behaviour Statistics Computer Science Maths Unstructured data, Scraping, Natural language, Social data mining, Processing BENEFITS WORKING-CONDITION GRIT FOCUS EXTREME HOURS EXCEPTIONAL SCHEDULE LOCATION WORK ADVANCEMENT RELATIONSHIPS SALARY HOURS LUNCH IDEAS PEOPLE FOLKS CHARTER FOLKS FUTURE Machine learning Classification algorithms Regression Commute distance Gender Occupation Amount of cars Home owner Region Marital status Children Survival analysis Time series analysis Advanced sampling Provisioning Campaign design & evaluations Forecasting Segment analysis Market modeling Behavioural modelling Age Predict default Fraud detection Credit scoring Risk management
8 MyBucks. 8 AI for Innovation AI for improved customer experience Tess A.I. AI for improved operations 70% 60% 50% 40% 30% 20% 10% Percentage Uptake vs. Probability of Uptake Dexter Jessie 0% Probability of Uptake
9 9 AI for improved operations.
10 Optimising operations using AI: two big use cases at MyBucks. 10 DE X TE R AI based fraud detection and prevention JESSIE AI based credit risk model
11 How? 11 Start with Data.
12 How? 12 A model is trained and evaluated on existing data. Train. Test. Closed loans (known outcome) together with all the relevant attributes that we will use to make the prediction are used for training. We don t use all the data for training: we keep out a random selection of loans and use it to evaluate the model. Now we can adjust the algorithm parameters, and try different attributes to achieve a better model. Approve Decline
13 The decision boundary. 13 Threshold: 50% 2% 40% 80% A machine learning model returns a PROBABILITY of default. We have to decide on a threshold value, above which the loan will be declined. Clients with a probability of default higher than the threshold are denied credit.
14 Using A.I. Unlimited number of factors can be considered simultaneously. 14 Country A Country B Classifier ability to distinguish good loan from bad loan High threshold age days_since_last_loan GrossSalary Amount Deductions application_day_of_m loan_num failed_installment_cumcount SalaryDateDay extrapayment_cumcount installment_cumcount nrloanapps application_hour_of_d MotivationType cumnum_active_good application_day_of_w BankRefId cumnum_goodloans Title MaritalStatus Amount age ave_amt_in_trans_mth days_since_last_loan ave_min_bal_mth ttl_no_of_trans loan_num RiskScore ave_amt_out_trans_mth failed_installment_cumcount cumnum_goodloans application_hour_of_d amt_of_new_loans MotivationType ave_no_of_trans_mth max_inc Declined nrloanapps application_day_of_m no_of_new_loans Number Number 0 Truth: Good loan Good loan Classifier prediction Low threshold Truth: Good loan Good loan Truth: Bad loan Truth: Bad loan Classifier prediction Bad loan Bad loan 0 1 Classifier prediction Classifier prediction Good loan Truth Bad loan Good loan Bad loan Low false alarm rate Good loan Truth High miss rate Bad loan Good loan Bad loan High false alarm rate Low miss rate
15 Visualising AI. 15
16 Model improvement over time. 16 V5 Gini: 38% V6 Gini: 42% mploansent age mpavgbalance mpwithdrawn Amount mptransfer mpttlamount Dependents days_since_last_loan application_hour_of_d mpavgbalance age mpttlamount application_hour_of_d mpdeposit mpwithdrawn mpbought mpnrtransactions mpsent mpunknown Default Rate V12 Gini: 54% V15 Gini: 56% age application_day_of_m mpavgbalance age mpavgbalance mpwithdrawn mpwithdrawn mpttlamount mpttlamount DurationRecentOutgoingCalls Jessie Control Group mploansent NrRecentIncomingCalls DurationRecentIncomingCalls mploansent LoginLongitude application_day_of_m DurationRecentOutgoingCalls NrRecentOutgoingCalls DistinctRecentCallNumber DurationRecentIncomingCalls
17 Dexter AI based fraud detection. 17
18 18 AI for Innovation.
19 Haraka Client register with his/her Facebook details via Android smartphone. An Artificial Intelligence (A.I.) algorithm analyse data from the client s phone to determine the client s affordability and predict credit risk. Funds are disbursed using the client s Mobile money account. Our point system rewards clients that display positive repayment behaviour, and incentivises clients to share the app with friends. Page 10
20 20 AI for improved Customer Experience.
21 Use cases: Virtual assistant (Tess). Text-based virtual assistant 21 Lending: Assist with loan applications by predicting intent and interpreting queries over text channels, such as instant messaging apps. Collections: Assist with collections by engaging with customers over text channels, such as instant messaging apps. Banking: Virtual banker e.g. check balances and perform transaction in natural language e.g. Tess what is my balance? Insurance: Assist with claims, quotations, customer service and sales. Customer support on all channels: Assist with frequently asked questions on all channels e.g. website, apps, messaging apps etc. Onboarding: Assist with onboarding on all channels across lending, banking and insurance.
22 Automated Customer Relationship Management (CRM). 22 Predicting the next action of a client. Probability that a client will drop-off Predicting the best engagement option. E.g., if likely that client will drop-off What channel to use ( , sms, whatsapp, pop-up, etc.) When to engage What message to send
23 23 Thank you. Dr. Richard van der Wath Group Chief Data Officer Mobile: Phone:
24 Disclaimer. 24 Please note: This presentation is strictly confidential and is not to be duplicated or distributed without the written approval from MyBucks.
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