Case study 1

An Integrated approach for Banking GIS Mohammad Jafrullah Infotech Enterprises Ltd. Hyderabad

‡ Business Objectives of Banks ‡ How GIS can Help Banks
² ² ² ² Market Analysis Business Expansion Planning Bank Asset Management Retail banking services

‡ Integrated Approach for GIS

Business Objectives of a Bank
‡ ‡ ‡ ‡ ‡ ‡ Expansion of Customer base Improvement in Quality of the Services Increased Customer Satisfaction Consistent Business Growth Increase in Profitability Retaining the Customers

Market Analysis
‡ Customer Analysis
± where are our customers located? ± What are their characteristics (market segmentation, classification of residential areas)? ± which are the areas not served ? ± Analyze Market Trends

‡ Competitor Analysis
± where are our competitors located? ± Where are their customers ? ± Reason for existing performance ?

‡ Focused Marketing
± What are the products and the areas they are well received ?

Analyse Retail Market trends
Analyse Retail market trends across various branch's ² Does Land use/ Income groups matters ???

Business Expansion Planning
‡ New Branch / New ATM Location
‡ Cost-effective site analysis to select a new bank branch/ATM location ‡ Key elements-Concentration of commercial areas, traffic patterns, workplaces or homes of customers

‡ Branch Performance Monitoring
‡ Defining a trade area around the branch, ‡ measuring the market potential within that trade area, ‡ identifying the nearby competitors.

‡ Decision support for Strategic Planning
‡ What if scenarios provide the means to determine the effects of
± branch closures ± relocations

Bank Asset Management
‡ To operate, maintain, and upgrade Bank's physical assets cost-effectively. ‡ Regular inspection for condition assessment ‡ infrastructure asset condition ‡ Return of Investment and Asset Performance

Retail banking services
‡ Online tracking of Cash status in ATM¶s ± Real Time solution for the replenishment and management of ATMs provides highly effective approach to the cash management cycle ± Auto detect´ component provides real time data in order to optimize the servicing of ATMs, ³ ± GIS based solution displays the ATMs on the map along with the cash status to help in better visualization and better optimization in Cash distribution

Branch Performance Monitoring
This Branch performance is going down quarter by quarter, Any Spatial Implications ???

Branch Performance Monitoring
‡ Relocate Branch
Under Served Area

Cash van Fleet management
‡Cash Van Fleet management for Cash distribution
‡ Scheduling and planning of routes for cash vans and at the same time ensuring that the Cash vans run as per the schedule and disburses the cash at ATMs in time. ‡ More Security for Cash vans by linking to Central offices using Fleet management systems

Customer care / help Lines
‡ Customer calls to Help Line asking where is the Nearest ATM
(Very common when we are new places)

‡ Person at Help desk can identify customer location based nearest landmarks and can guide him to nearest ATM Location

Integrated Approach
E Fleet

ansi n lanning system

Cust mer Relati n shi Management

ATM Cash Distributi n ystem

Integrated GI Database

an ing ystem

Mar eting Analysis system


Case study

GIS for Rural Marketing
Author: Suruchi Raina/Vijay Amanna Genesys International Corporation Limited, SEEPZ, Mumbai ±96

Requirement Analysis
‡ Planning for maximum coverage of area. ‡ Identifying uncovered markets and locating them, ‡ Designing route plans, based on available road information and demographics on these markets, ‡ Planning optimum routes for delivery to whole sale/retail outlets and product promotional campaigns. ‡ Addressing congregation like haat, mela, mandi along with normal route plan.

LinCompass is designed as a modular application. Modules are based on three broad requirements

‡ Identification of potential market Prioritization of district ‡ Drilling down to the places of visit Analysis by query ‡ Composite query ‡ Buffer query

Map showing Villages within 1 km from a State Highway identified by using buffer query

‡ Example of a typical route plan: ‡ The required route should cover villages of population less than 4000, and each day it should visit three villages that should have either a haat day or a primary school or primary health center. The total travel distance should not exceed 60 Km and the distance between two villages should be less than 15 Km. ‡ Duration of route cycle = 25 days ‡ District to be covered = Lucknow ‡ Tahsil to be covered = Malihabad& Lucknow

Features of Route Design Module
‡ ‡ a) Route plan calculator b) Route Plans
i) Stockist option ii) Linear & Circular Route option iii) Continuous and with break Plan selection iv) Automatic & Manual Route options v) Night-halt selection vi) Route plan for covering Mela Mandi vii) Route plan along Highway viii) Combination of any of the above

Flag function
‡ User here can insert any remark associated with the place such as largest sale in particular village ‡ Experiences in the village such as villagers were non-cooperative

Run time attachment and detachment of data
‡ Relational Database Management System(RDBMS) has been used for database maintained ‡ The application attaches and detaches data automatically on run time as per the user selections, which reduces time consumption while performing queries.

Reports generation
‡ ³LinCompass´ automatically generates reports of all route details along with the other required information. ‡ This is created in the .dbf format ‡ The application provides the option to export to excel.

Map displaying circular route plan along with the generated detailed report

‡ Map data ‡ Tabular data
± Census data from International Institute of Population Science (IIPS), ± Census Department of respective states, ± Land Record Department, ± Road Department, etc. ± Congregation data giving information on the various melas and mandis held at various places. ± The entire database has been linked to the relevant map features through unique identification numbers. ± Database creation and development of application took about 6 months of time with a team of 35.

‡ Application is fast and simple to use ‡ Implementation of this made identification of potential markets in the targeted population is much easier.

Case study 2
Identifying the Relationship Between Area Characteristics by Social Class and Bank Branches Distribution using GIS Case Study of Tokyo 23 Wards YoungJoo Lee, Hiromichi Fukui Keio University, Japan Endo5322, Fujisawa, Kanagawa, 252-8520, Japan ,

first stage ‡ market segmentation by factor analysis & cluster analysis using socioeconomic variables related to social level. ‡ used 2000 census data, NSC2001& high-income taxpayer list for socioeconomic data. second stage ‡ distribution characteristic of existing branches -overlay analysis with result of segmentation. ‡ used point data of branches of five major banks made by address matching process ‡ base map of Tokyo 23 wards divided into 3058 towns. ‡ used SPSS11.5 and JMP5.0 for statistical analysis ‡ ArcGIS8.0 for spatial analysis to identify the relationship between area characteristics by social class and distribution characteristic of existing bank branches in Tokyo23 wards.

Factor Analysis
‡ population density, age(20¶s, 30¶s, 40¶s, 50¶s, 60¶s), gender, households, ‡ residence types (aged-households, married couple, have a children, single) ‡ ownership (home ownership, rent a house) ‡ education, job, employment, ‡ income, high-tax payer, consumer purchasing power

38 variables attributing to 9 factors
‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ Factor1(purchasing power), Factor2 (social position), Factor3 (residence type), Factor 4 (the rich), Factor 5 (the elderly), Factor 6 (thirty-something), Factor 7 (the fifties vs. the twenties), Factor 8(employment and ownership), Factor 9 (the forties)

Cluster Analysis
‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ Hierarchical cluster analysis using the Ward method Group1 (the elderly & life style stability), Group4 (30¶s & life style stability), Group5 (the noble class), Group6 (instability of life), Group7 (lifestyle stability), Group8 (spending power), Group9 (wealth). Groups 2 and 3 are removed from this result because of outliers.

Result of Segmentation

‡ Fig shows the number of towns contained by each clusters of 23 wards. ‡ Setagayaku, which is located in the west of Tokyo (Fig 1.)is the wealthiest area in Tokyo because, 65.8% of the towns in Setagayaku contained to Group 5(High Class).

Result of Bank Branches Distributions

The graph of the relationship between area characteristic and branch distribution

Conclusions and Discussions
‡ A lot of branches of five major banks are located in Group5 (high class). And, although the order is different, most of branches in five major banks are located in ‡ Group1 (the elderly & life style stability), ‡ Group8 (spending power), and ‡ Group6(instability of life ).

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