The Data Analytics Blog

Our news and views relating to Data Analytics, Big Data, Machine Learning, and the world of Credit.

Amazon Web Services Vs Microsoft Azure: Which Cloud Provider Should You Host Core Business Systems On?

Deciding on which cloud service to host your core business systems on can be a daunting task. Amazon Web Services (AWS) and Microsoft Azure are two of the biggest players around, while Google Cloud and IBM Cloud are also gaining market-share.

How To Adopt Credit Scoring

Bringing automation into the credit assessment process through credit scoring brings about significant benefits. Some of these benefits include:

Why Companies Cling To Legacy Systems

Innovative companies know they must embrace digital transformation in their business to stay competitive in the world of the fourth industrial revolution. But legacy systems often get in the way of transformation. In this blog, we look at why companies are reluctant to move away from their legacy systems and how to know when it really is time to modernise.

Frequently Asked Questions On Decision Engines And DecisionSmart

This blog was originally published on 13 March 2019 and updated on 3 April 2019.

IFRS9 Expected Credit Loss (ECL) Models For Retail Lending

It is expected that IFRS9 adoption should lead to an increase in provisions (initially a balance sheet / retained earnings adjustment only with commentary on retrospective impacts). Typically, the increase is mostly a result of loss provisions for all accounts (regardless of a loss event) and the extension of the loss period from a typical 12 months to lifetime (e.g. for structured loans the remaining term of the loan plus time to default/write-off plus the recoveries window).

    Latest Posts