ATC: Business analytics for monitoring financial indicators of credit products in peruvian banking

Aguirre J.; Flores A.P.; Sánchez D.M. · RISTI - Revista Iberica de Sistemas e Tecnologias de Informacao (2020)

Resumen

Monitoring credit product indicators in Peruvian banking is, generally, carried out semi-automatically, therefore its process can generate delays and induce errors in the financial analysis and, as a result, lead to untimely decision-making. In this work, a business analytics model is proposed to automate this process in Peruvian banks, which considers 4 components: Dashboard Management, Data Management, Visualizer and Information Display. The model is applicable to any bank for its simplicity and for the various existing technologies that facilitate its implementation. In addition, ATC (Analysis & Tracking of Credits) a web application that uses BI&A tools supported in the Cloud, is developed, showing 12 financial variables and 4 indicators of profitability and financial strength. Test with real data from a bank and expert judgement show a reduction in time from 29.7 hours to 4.3 seconds, and a positive impact on aspects such as usability and user experience.

Instituciones: Universidad Peruana de Ciencias Aplicadas