Banking2 - DW

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BITS Pilani Pilani|Dubai|Goa|Hyderab ad T eam : Parikh Dhruv V. (2011H112150P) Patel Amitkumar (2011H112159P) Patel Kunal (2011H112161P) As hi sh Kumar Si ngh (2011H112162P) Prat ee k Vij ay wargiy a (2011H11216 5P) Financial Services Presented by Amitkumar Pat el (2011H112159P)

Transcript of Banking2 - DW

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BITS PilaniPilani |Dubai |Goa |Hyderabad

Team :

Parikh Dhruv V. (2011H112150P)

Patel Amitkumar (2011H112159P)

Patel Kunal (2011H112161P)

Ashish Kumar Singh (2011H112162P)

Prateek Vijaywargiya (2011H112165P)

Financial ServicesPresented by

Amitkumar Patel (2011H112159P)

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Financial services are the economic services provided by the finance

industry, which encompasses a broad range of organizations that manage

money,

including credit unions, banks, credit card companies, insurance

companies, consumer finance companies, stock brokerages,

investment funds and some government sponsored enterprises. Our Chosen topic for the data warehousing project:

Banking Case Study

Bank¶s initial goal is to build the capability to better analyze the

bank¶s accounts.

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Review

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Business users want to«

1) See 5 years of historical monthly snapshot data on every account

2) Group different types of accounts in the same analyses and compare

primary balances

3)  Analyze the condition of the account at the end of each month

4)  A Demographic attributes change over time, so track the changes also

5)  Ability to have geographic(branch wise) reports

6) In a (big) bank, it may approach 10 million members/customers,

maintain details of each

7)  An account can have one, two, or more individual account holders, or 

customers, associated with it.

8) Have flexibility to redefine the bands at query time with different

boundaries or levels of precision

9) Have flexibility to drill down reports too transaction level sometimes

10) Business users typically require two different perspective. Handle

custom Heterogeneous Product Schemas.BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

What is the Need of Data Warehouse?

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We can implement the design into following two methods:

Star Schema

Snowflake Schema

Which method we should use in ³Bank (Financial Services)´ ?

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Which design method??

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Ralph Kimball, the data warehousing guru, proposes three cases where

snowflake implementation is not only acceptable but is also the key to a

successful design:

1) Large customer dimensions of heterogeneous data availability

2) Financial product dimensions for banks, brokerage houses, and

insurance companies, because each of the individual products has ahost of special attributes not shared by other products

3) Multi enterprise calendar dimensions because each organization has

idiosyncratic fiscal periods, seasons, and holidays

Ralph Kimball recommends that in most of the other cases, star schemas

are a better solution.

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Why Snowflake Schema??

Reference :http://www.oracle.com/webfolder/technetwork/tutorials/obe/db/10g/r2/owb/owb10gr2_gs/owb/lesson3/starandsnowflake.htm

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Who(Dept ID,

Vendor,

etc)

What(Account,

Fund, etc)

Where(Business Unit,

etc)

When(Acctg. Period,

Fiscal Year, etc.)

 Actual

Fact

Summary

Fact

Budget

Fact

High Level Finance Data Model Diagram

Charges Fact

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Business users want to«

1) See 5 years of historical monthly snapshot data on every account

Grain of the fact table is one row for each account at the end of 

each month.

Tables: Month-Account Snapshot Fact, Month Dimension ,Account

Dimension

2) Group different types of accounts in the same analyses and compare

primary balances

3)  Analyze custom dimension attributes and numeric facts

4)  A Demographic attributes change over time, so track the changes also

5)  Ability to perform value-band reporting on a standard numeric fact,such as the account balance

6) In a (big) bank, it may approach 10 million members/customers,

maintain details of each

7)  An account can have one, two, or more individual account holders, or 

customers, associated with it.

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Bank Requirement Analysis

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Initial : Design(1)

Fact Table

Month-Account Snapshot Fact

Dimension Table

Month Dimension

 Account Dimension

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Design

Month Account Snapshot Fact

Month End Date Key (FK)

 Account Key (FK)

Primary Month Ending Balance

 Average Daily BalanceNumber of Transaction

Interes t Paid

Interest charged

Fees Charged

Account Dimension

 Account Key

 Account Attributes

Product Attributes

Household Attributes

Status Attributes

Branch Attributes

Month Dimension

Month End Date Key

Month Attributes

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Business users want to«

1) See 5 years of historical monthly snapshot data on every account

2) Group different types of accounts in the same analyses and compare

primary balances

It indicate that we should have product dimension consists of a

simple product hierarchy

3)  Analyze custom dimension attributes and numeric facts

4)  A Demographic attributes change over time, so track the changes also

5)  Ability to perform value-band reporting on a standard numeric fact,

such as the account balance

6) In a (big) bank, it may approach 10 million members/customers,maintain details of each

7)  An account can have one, two, or more individual account holders, or 

customers, associated with it.

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Requirement Analysis

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Business users want to«

1) See 5 years of historical monthly snapshot data on every account

2) Group different types of accounts in the same analyses and compare

primary balances

3)  Analyze the condition of the account at the end of each month

 Account status Dimension is a useful dimension to record the

condition of the account at the end of each month

To avoid merely embedding a cryptic status code/abbreviation

directly in the fact table

4)  A Demographic attributes change over time, so track the changes also

5)  Ability to perform value-band reporting on a standard numeric fact,such as the account balance

6) In a (big) bank, it may approach 10 million members/customers,

maintain details of each

7)  An account can have one, two, or more individual account holders, or 

customers, associated with it.

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Requirement Analysis

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Business users want to«

1) See 5 years of historical monthly snapshot data on every account

2) Group different types of accounts in the same analyses and compare

primary balances

3)  Analyze the condition of the account at the end of each month

4)  A Demographic attributes change over time, so track the changes also

5)  Ability to have geographic(branch wise) reports

Many attributes will be there related to branch for filtering the

reports

Solution : Make Branch Dimension Table rather than keeping

branch just as attribute in account dimension.6) In a (big) bank, it may approach 10 million members/customers,

maintain details of each

7)  An account can have one, two, or more individual account holders, or 

customers, associated with it.

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Requirement Analysis

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BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Information Package Diagram

Month

Dimension

Branch

Dimension

Product

Dimension

Account Status

DimensionAccount Dimension

Household

Dimension

DateBranch Address

Attributes

Product

Description

Account Status

Description

Account Number

(Natural Key)

Head of Household

Name

More Month

Attributes

Branch Rollup

AttributesProduct Type

Account Status

Group

Primary Account

Holder Name

Household Address

Attributes

Branch Format

Description

Product

Category

Secondary Account

Holder NameHousehold Type

Account Address

AttributesHousehold Income

Account Open Date

Household

Homeownership

IndicatorAccount Type

Description

Household Presence

of Children

Account Type

Category

Facts: Primary Month Ending Balance, Average Daily Balance, Number of Transaction, Interest Paid, Interest

charged, Fees Charged

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BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Refinement : Design(2)

Month Account Snapshot Fact

Branch Key (FK)

Month End Date Key (FK)

 Account Key (FK)

Product Key (FK)

 Account Status Key (FK)

Household Key (FK)

Primary Month Ending Balance

 Average Daily Balance

Number of Transaction

Interest Paid

Interest charged

Fees Charged

Month Dimension

Month End Date Key

Month Attributes

Product Dimension

Product Key

Product Description

Product Type

Product Category

Household Dimension

Household Key

Head of Household Name

Household Address Attributes

Household Type

Household Income

Household Homeownership Indicator 

Household Presence of Children

Branch Dimension

Branch Key

Branch Address Attributes

Branch Rollup Attributes

Branch Format Description

Account Status Dimension

 Account Status Key

 Account Status Description

 Account Status Group

Account Dimension

 Account Key

 Account Open Date

 Account Type Descrip tion

 Account Type Category

 Account Number 

Primary Account Holder Name

Secondary Account Holder Name

 Account Address Attributes

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Business users want to«

1) See 5 years of historical monthly snapshot data on every account

2) Group different types of accounts in the same analyses and compare

primary balances

3)  Analyze the condition of the account at the end of each month

4)  A Demographic attributes change over time, so track the changes also

5)  Ability to have geographic(branch wise) reports

6) In a (big) bank, it may approach 10 million members/customers,

maintain details of each

Solution : We should have Customer Dimension which can keep

track/detail of individual customer 7)  An account can have one, two, or more individual account holders, or 

customers, associated with it.

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Requirement Analysis

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Refinement : Design(3)

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Design

Branch Dimension

Branch Key

Branch Address Attributes

Branch Rollup Attributes

Branch Format Description

« and more

Account Status Dimension

 Account Status Key

 Account Status Description

 Account Status Group

« and more

Month Account Snapshot Fact

Branch Key (FK)

Month End Date Key (FK)

 Account Key (FK)

Product Key (FK)

 Account Status Key (FK)

Househo ld Key (FK)

Customer Key (FK)

Primary Month Ending Balance

 Average Daily Balance

Number of Transaction

Interest Paid

Interest charged

Fees Charged

 

Account Dimension

 Account Key

Customer Key (FK)

 Account Open Date

 Account Type Description

 Account Type Category

 Account Number 

Primary Account Holder Nam e

Secondary Account Holder Name

 Account Address Attributes« and more

Customer Dimension

Customer Key

Customer Name

Customer Date of Birth

« and more

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Business users want to«

1) See 5 years of historical monthly snapshot data on every account

2) Group different types of accounts in the same analyses and compare

primary balances

3)  Analyze the condition of the account at the end of each month

4)  A Demographic attributes change over time, so track the changes also

5)  Ability to have geographic(branch wise) reports

6) In a (big) bank, it may approach 10 million members/customers,

maintain details of each

7)  An account can have one, two, or more individual account holders, or 

customers, associated with it. Solution : to link an individual customer dimension to an account-

grained fact table requires the use of an Account-to-Customer 

bridge table

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Requirement Analysis

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BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Refinement : Design(3)

Account Status Dimension

 Account Status Key

 Account Status Description

 Account Status Group

« and more

Month Account Snapshot Fact

Branch Key (FK)

Month End Date Key (FK)

 Account Key (FK)

Product Key (FK)

 Account Status Key (FK)

Household Key (FK)

Primary Month Ending Balance

 Average Daily Balance

Number of Transaction

Interest Paid

Interest charged

Fees Charged

« and more

Branch Dimension

Branch Key

Branch Address Attributes

Branch Rollup Attributes

Branch Format Description

« and more

Account Dimension

 Account Key

 Account Open Date

 Account Type Description

 Account Type Category

 Account Number 

Primary Account Holder Nam e

Secondary Account Holder Nam e

 Account Address Attributes« and more

Account to Customer Bridge

 Account Key (FK)

Customer Key (FK)

Weighing Factor 

« and more

Customer Dimension

Customer Key

Customer Name

Customer Date of Birth

« and more

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Business users want to«

8) Have flexibility to redefine the bands at query time with different

boundaries or levels of precision

Solution : Introduce Band Definition Table which allows to do

flexible value band reporting

9) Have flexibility to drill down reports too transaction level sometimes

10) Business users typically require two different perspective. Handle

custom Heterogeneous Product Schemas.

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Requirement Analysis

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Refinement : Design(3)

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Refinement Design(4)

Month Account Snapshot Fact

Branch Key (FK)

Month End Date Key (FK)

 Account Key (FK)

Product Key (FK)

 Account Status Key (FK)

Household Key (FK)

Primary Month Ending Balance

 Average Daily BalanceNumber of Transaction

Interest Paid

Interest charged

Fees Charged

« and more

Account to Customer Bridge

 Account Key (FK)

Customer Key (FK)

Weighing Factor 

« and more

Customer Dimension

Customer Key

Customer Name

Customer Date of Birth

« and more

Branch Dimension

Branch Key

Branch Address Attributes

Branch Rollup Attributes

Branch Format Description

« and more

Account Status Dimension

 Account Status Key

 Account Status Description

 Account Status Group

« and more

Account Dimension

 Account Key

 Account Open Date

 Account Type Description

 Account Type Category

 Account Number 

Primary Account Holder Name

Secondary Account Holder Name

 Account Address Attributes

« and more

Band Definition Table

Band Group Key

Band Group Sort Order 

Band Group Name

Band Range Name

Band Lower Value

Band Upper Value<

>=

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Business users want to«

8) Have flexibility to redefine the bands at query time with different

boundaries or levels of precision

9) Have flexibility to drill down reports too transaction level sometimes

Solution: Have flexibility to drill down by keeping another fact table

at different grain Balance Transaction Fact Table [Approximation :

3.65 billion fact rows per year.]

Key to success: Account Dimension as ³Conformed Dimension´

Supporting Dimension : Transaction Date Dimension & Transaction

Type Dimension

10) Business users typically require two different perspective. Handlecustom Heterogeneous Product Schemas.

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Requirement Analysis

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Business users want to«

8) Have flexibility to redefine the bands at query time with different

boundaries or levels of precision

9) Have flexibility to drill down reports too transaction level sometimes

10) Business users typically require two different perspective. Handle

custom Heterogeneous Product Schemas.

2 different views

I. Global view : needed to plan appropriate CRM strategies

II. Specific line-of-business view : to analyse particular 

But its difficult to present in a single fact table

Solution : To create a custom schema for the each line of businessthat is limited to just Specific line-of-business

e.g. for checking accounts

both the custom checking fact table and the corresponding

checking product dimension

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Requirement Analysis

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BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

Enterprise Bus ArchitectureMatrix

Month DimensionProduct

Dimension

Branch

Dimension

Account

Dimension

Account Status

Dimension

Band Definition

Table

Checking Specific

Product

Dimension

Customer

Dimension

Transaction Type

Dimension

Transaction Date

Dimension

Month Account

Snapshot Fact

Monthly Checking

Snapshot Fact

Balance

Transaction Fact

Table

Account to

Customer Bridge

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http://www.oracle.com/webfolder/technetwork/tutorials/obe/db/10g/r2/owb/o

wb10gr2_gs/owb/lesson3/starandsnowflake.htm

http://www-01.ibm.com/support/docview.wss?uid=swg24022595 

http://www.kimballgroup.com/ html/booksDWT2.html 

http://www.datawarehousetoolkit.com/ralph-kimball/ 

http://www.kimballgroup.com/ html/designtips.html 

BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956

References

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BITS Pilani, Deemed to be University under Section 3 of UGC Act, 1956