GIS And Banking

1

• GIS And Banking
• In
• Pakistan Financial Sector
• Prepared By Atif Iqbal

2

• Introduction
• Increased Demand of Products
• Increased Supply of Products
• High Capital Investment
• Cost Reduction
• Economic Recession\Boom
• Less competitive environment
• Optimal Location

3

• Problem Statement
• Unsystematic Branch extension
• Increase in Default Cases
• Identifying feasible locations for ATMs
• Objectives
• Using a Productive Resource of NADRA
• Awareness of GIS in Banking sector
• Defining Methodology for Implementation

4

• Methodology
• Integrate the data sources
• Census Data
• Non Census Data
• Questionnaires
• Analyze Existing Client Information
• Current Account Holder
• Saving Account Holders
• Corporate Clients
• Apply Geo Coding
• Market Penetration
• Find Low Market Share
• Matching the Existing Client Characteristics

5

• Methodology Cont.
• Focusing Target Market
• Market Segmentation
• Target Potential Clients
• Measuring the near by Trade Area
• Area Rating
• Negative Area
• Positive Area
• Competitor Analysis
• Regression Analysis for Area Feasibility

6

• Methodology Cont.
• Regression Analysis Equation
• Y a ß1X1 ß2X2 ß3X3

7

• Literature Review
• What is GIS ?
• What is Geo-Demographics ?
• Geo-Demographic Tools
• MOSAIC
• ACORN
• GIS and Banking Functional Area

8

• Literature Review Cont.
• Most Popular Tools
• Census Data Non-Census Data
• MOSAIC Age Credit Services
• Marital Status Electoral Roll
• Household Size
• Employment Type
• Car Ownership
• Housing Type
• Housing Tenure
• Status
• ACORN Age None
• Sex
• Socioeconomic
• Status
• Occupation

9

• GIS and Banking Functional Area
• Marketing Analysis
• Customer Analysis
• Competitor Analysis
• New ATM Site Location
• Reduction in Transaction Cost
• Highly Populated Area
• Branch Performance Monitoring

10

• Study Limitations
• Incorporating Data
• Census Data
• Age
• Sex
• Income etc.
• Non Census Data
• Spending Pattern of People
• Expenditure Information
• Credit History etc.
• Non Census Data Manually Available
• Digitization of Maps needed
• Less reliability of Questionnaire Data

11

• Conclusion
• Banks can show more productivity by using
  Demographic Information and GIS together.
• Can raise the return on the capital invested
  which is most important issue for all business
  organizations.
• Can minimize default cases, which are badly
  affecting the profitability of the banks.
• Can identify ATMs site location where cost of
  operating a branch is high.

12

• Thank You