BUSINESS INTELLIGENCE FOR FINANCIAL SERVICES

Insurance Policy & Claims Analytics

Mutual Fund Operations Analytics
Consumer Finance Analytics
Volume Explodes, Data Overows
The nancial services industry is
going through a turmoil, the likes of
which has not been seen for
decades. More and more products,
with varying degrees of complexity
being offered by a profusion of
players to a larger, global customer
base with patchy regulatory
oversight created an environment for
opportunistic players to cash in. This
landscape however is changing
dramatically, with industry
consolidation on one side, and
stringent regulatory oversight and
scrutiny. In the midst of such a
seismic shift, nancial services
executives are expected to not only
make sound and ethical decisions
that meet organizational and
regulatory guidelines, but also time
them to take advantage of market
dynamics that increase returns to
their rms.
Knowledge therefore is the key.
Timely, accurate information is no
longer sought after for mere
productivity and efciency gains; it is
essential for competitive
differentiation, regulatory compliance
and stunningly enough, for pure
survival. The market and business
climate has dramatically increased
the stakes for valuable and timely
information.
New meets Old
The need for actionable
information has been around for a
very long time. What has changed
though is the urgency. If fund
managers and decision makers of
yore managed with reports
generated and distributed
periodically by IT departments,
todays executives operating in a far
different market do not have the
luxury of time. Instead of waiting for
a nimbler IT to serve them, these
decision makers design their own
spreadsheet systems, cutting
and pasting data from multiple
source systems, and generating
their own reports. This new
ecosystem in an enterprise, made
up of thousands of spreadsheets
or personal databases, has
certainly democratized information
availability, but has along the way,
severely aggravated an old wound
- data reliability. While such
systems deliver information on the
go, they are assembled with
inconsistent interpretation of data,
and inconsistent use of rules and
formulae, resulting in multiple
versions of the same information.
Moreover, some of the tools have
large learning curves and the
institutional knowledge of the
systems developed by such
means reside in a small group of
individuals, to the detriment of the
corporation. It is not uncommon in
such enterprises for sales, nance
and operations to present different
sales gures for the same period. If
you identied this symptom early
enough, you would call it the
beginning of chaos.
Single Version of Truth
CUBOT Financial Services
Intelligence suite ts into this
imperfect world, perfectly. It is made
up of consumer nance and
mortgage analytics for retail lending
institutions, policy and claims
analytics for property and casualty
insurance companies, and mutual
Deeper Insight, Better Decisions
Timely, accurate
information is no
longer sought
after for mere
productivity and
efciency gains; it
is essential for
competitive
differentiation,
regulatory
compliance and
stunningly enough,
for pure survival.
fund operations analytics for mutual
fund companies. Each of these
products delivers insight that is
critical to decision-making.
Consumer Lending Analytics
CUBOT Loan helps banks and
consumer lending institutions track
and improve credit, collection, and
operations management, and
continuously evaluate credit portfolio
risks.
Mutual Fund Analytics
CUBOT Mutual helps fund
executives enlarge their assets base
by focusing on protable markets,
productive brokers and top
investors. By analyzing
subscriptions, redemption, switch-
ins and switch-outs by scheme,
geography, time, broker and
investor, managers gain valuable
insight into performance. This helps
them tailor marketing and
distribution tactics for the entire
product portfolio,
Insurance Analytics
CUBOT InTouch helps insurance
executives analyze sales activity and
sales conversions, evaluate
performance through metrics like
gross written premium, loss ratios,
and claims ratios on a daily basis.
Sales teams understand
performance by product, geography,
channel,
Analytical Platform
Each of the products in the
Robust Designs stable is powered
by the CUBOT Business Intelligence
platform. CUBOT helps aggregate
data from multiple sources
automatically, helps analyze, slice,
dice and drill into data to understand
trends and performance, build
reports, charts, and graphs on the
y, create personalized dashboards,
dene alerts based on event rules,
and deliver information snippets on
The Credit Deviation Monitor on CUBOT Loan
provides a simple way to understand number of
deviations for each class of deviation by
branch, geography and against dened targets.
A CUBOT Mutual report provides an analysis of investor-
type wise subscriptions, redemptions, net sales, switch-
ins and switch-outs for each class of asset.
mobile devices through WAP and
SMS gateways. CUBOT is currently
used by a large number of nancial
services companies in India and the
Asia Pacic.
CUBOT is a robust platform that
supports hundreds of users,
terabytes of data and runs on
standard, off-the-shelf server
hardware on an open source
platform.
Our Delivery Model
At Robust Designs, we take
great pride in building products and
solutions that are simple yet
powerful. Our professional services
team help you deploy a solution that
is tailored to your business. Our
team members have knowledge of
the domain, bring implementation
best practices on board, and have a
thorough understanding of reporting
and analytics.
Our Customers Speak For Us
CUBOT Business Intelligence
platform and CUBOT Financial
Services Intelligence Suite is used by
some of leading nancial institutions
in India and overseas. OCBC Bank
Singapore, RCE Capital Berhad
Malaysia, Liberty Mutual, ICICI
Lombard General Insurance, HDFC
Ergo General Insurance, AIG Asset
Management, Birla Sun Life Asset
Management, Inland Revenue
Authority of Singapore are some of
the best known companies that
depend on CUBOT Financial
Services Intelligence Suite for their
analytics and reporting needs.
Come, be a part of the CUBOT
family of users.
www.robustdesigns.com