H2O AI

Use Cases

Financial Service Use Cases

Infrastructure and Operations

• Cyber-threat detection - Help information security teams reduce risk and improve their security posture efficiently and effectively
• Cash Optimization - Create an intelligent cash management system based on cash demand forecasting; predict cash demand
• Accounting and Auditing - Transform auditing from quarterly to real-time, driving audit quality, accuracy and reliability
• Employee Retention - View predictions of employee departure, forecast churn rates and identify relevant factors contained in employee data
• Anomaly Detection - This time series process looks at expected data volumes based on historical patterns. Upper and lower boundaries...

Customer Acquisition

• Account Opening / Card Issuing - Promote products (accounts, cards) with more relevancy to boost customer acquisition
• Credit Scoring - Help underwriters evaluate creditworthiness using alternate data sources; predict credit potential
• Fair Lending and Loan Predictions - Simplify the process of predicting whether the customer will default
• Buy Now, Pay Later (BNPL) - Harness alternative data beyond traditional credit checks to support credit...
• Debt Repayment - Model prepayment risk and automate document classification to predict repayments/prepayment risks

Personalized Offers

• Product Recommendations - Understand the relationship between various products in a catalog and generating...
• Contextual, Cookieless Targeting - Help marketing teams at FIs achieve more awareness and achieve higher conversions
• Behavioral Targeting - Send messages/content at the right time with the right content based on individual and collective customer...
• Propensity to Buy - Expand offers to customers with accuracy and speed by implementing predictive analytics
• Direct Mail Marketing - Develop better customer profiles that will target direct mailing, optimizing costs behind direct in-home mailing

Customer Service and Retention

• Customer Handling and Call Center Optimization - Improve customer experience and reduce handling costs; map the query by the customer to appropriate...
• Customer Churn - Predict customer churn based on behavioral patterns and cadence of transactions; Identify leading indicators for churn
• Financial Markets - Bond Pricing and Performance - Train and score 2-way bond pricing models in real-time; predict errors between price...
• Trading Strategies - Define objective functions & impose constraints; formulate rule definitions; run trade simulations
• Factor Investing - Predict factors (eg, volatility) for a given security universe and select securities generating alphas
• M&A Advisory Services - Predict the likelihood of a public company being acquired over given time frames to provide a rapid yet in-depth...
• Cryptocurrency Trading - Make predictions about the dynamics of the cryptocurrency market; determine the sentiment of the crypto market by....

Fraud and Compliance

• Application / Account Opening Fraud - More accurately score applicants for fraud to drive down manual reviews...
• Check Fraud -Quickly and accurately detect fraudulent alterations (eg, counterfeit, forged) in bank checks
• Collusion Fraud - Detect buyer and seller collusion; analyze acticities, accounts addresses, device IDs, coordinates, ...
• Transaction Fraud - Find new ways to improve fraud detection accuracy and detection time across multiple transaction fraud types
• Anti-Money Laundering - Leverage ML to more accurately spot suspicious and criminal behavior; balance compliance and cost by assessing the risk...

Customer 360

• KYC Automation - Operationalize customer data understand behavior analytics for marketing and fraud prevention use cases
• Customer Behavior Analysis - Segment users on the basis of different attributes such as demographics data

Healthcare Use Cases

Providers

• Referral Automation - Businesses and enterprises have lots of unstructured data - especially documents and image scans...
• Hospital Capacity Simulator - Hospital capacity simulation solution aims to predict census, hospital capacity, and patient stay.
• Gene Mutation AI - H2O.ai’s Gene Mutation AI offers a portable personalized medicine interface that can offer an individual’s genetic risk on demand...

And More...