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Financial Services

Presented by Amitkumar Patel
Team : Parikh Dhruv V. Patel Amitkumar Patel Kunal Ashish Kumar Singh Prateek Vijaywargiya

(2011H112159P)

BITS Pilani
Pilani|Dubai|Goa|Hyderabad

(2011H112150P) (2011H112159P) (2011H112161P) (2011H112162P) (2011H112165P)

Review
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

1956 . 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. 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. two. maintain details of each 7) An account can have one. Deemed to be University under Section 3 of UGC Act. associated with it. or customers. or more individual account holders. Handle custom Heterogeneous Product Schemas. BITS Pilani.What is the Need of Data Warehouse? 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.

Deemed to be University under Section 3 of UGC Act.Which design method?? We can implement the design into following two methods: Star Schema Snowflake Schema Which method we should use in ³Bank (Financial Services)´ ? BITS Pilani. 1956 .

because each of the individual products has a host of special attributes not shared by other products 3) Multi enterprise calendar dimensions because each organization has idiosyncratic fiscal periods. 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. the data warehousing guru. 1956 .Why Snowflake Schema?? Ralph Kimball. Reference : http://www. brokerage houses.com/webfolder/technetwork/tutorials/obe/db/10g/r2/owb/owb10gr2_gs/owb/lesson3/starandsnowflake. Deemed to be University under Section 3 of UGC Act. star schemas are a better solution. and holidays Ralph Kimball recommends that in most of the other cases. seasons. and insurance companies.oracle.htm BITS Pilani.

High Level Finance Data Model Diagram Actual Fact Who (Dept ID. Fund. etc) Budget Fact What (Account. etc) Charges Fact When (Acctg. Period. Vendor. Fiscal Year.) Summary Fact Where (Business Unit. etc) . etc.

associated with it.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. BITS Pilani. it may approach 10 million members/customers. two. or more individual account holders. such as the account balance 6) In a (big) bank. or customers. so track the changes also 5) Ability to perform value-band reporting on a standard numeric fact. Tables: Month-Account Snapshot Fact.Bank Requirement Analysis 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. maintain details of each 7) An account can have one. Deemed to be University under Section 3 of UGC Act. Month Dimension . 1956 .

Design Initial : Design(1) Fact Table Month-Account Snapshot Fact Dimension Table Month Dimension Account Dimension Month Account Snapshot Fact Month End Date Key (FK) Account Key (FK) Month Dimension Month End Date Key Month Attributes Primary Month Ending Balance Average Daily Balance Number of Transaction Interest Paid Interest charged Fees Charged Account Dimension Account Key Account Attributes Product Attributes Household Attributes Status Attributes Branch Attributes BITS Pilani. Deemed to be University under Section 3 of UGC Act. 1956 .

it may approach 10 million members/customers.Requirement Analysis 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. two. so track the changes also 5) Ability to perform value-band reporting on a standard numeric fact. 1956 . such as the account balance 6) In a (big) bank. maintain details of each 7) An account can have one. BITS Pilani. associated with it. or customers. Deemed to be University under Section 3 of UGC Act. or more individual account holders.

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. or customers. 1956 . maintain details of each 7) An account can have one. or more individual account holders. two.Requirement Analysis 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. associated with it. it may approach 10 million members/customers. BITS Pilani. Deemed to be University under Section 3 of UGC Act.

maintain details of each 7) An account can have one. Deemed to be University under Section 3 of UGC Act. BITS Pilani. or customers. or household. Solution : Household Dimension can be created for to relate individual accounts to households 5) Ability to perform value-band reporting on a standard numeric fact.Requirement Analysis 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) Demographic attributes change over time. two. or more individual account holders. 1956 . it may approach 10 million members/customers. such as the account balance 6) In a (big) bank. associated with it. so track the changes also analyze the bank¶s relationship with an entire economic unit.

BITS Pilani. 6) In a (big) bank. it may approach 10 million members/customers. Deemed to be University under Section 3 of UGC Act. maintain details of each 7) An account can have one. two. 1956 .Requirement Analysis 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. or more individual account holders. associated with it. or customers. 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.

Interest Paid. Average Daily Balance. Interest charged. Fees Charged BITS Pilani. Deemed to be University under Section 3 of UGC Act. Number of Transaction. 1956 .Information Package Diagram Month Dimension Date More Month Attributes Branch Dimension Product Account Status Account Dimension Dimension Dimension Account Number (Natural Key) Primary Account Holder Name Secondary Account Holder Name Account Address Attributes Account Open Date Account Type Description Household Dimension Head of Household Name Household Address Attributes Household Type Household Income Household Homeownership Indicator Household Presence of Children Branch Address Product Account Status Attributes Description Description Branch Rollup Account Status Product Type Attributes Group Branch Format Description Product Category Account Type Category Facts: Primary Month Ending Balance.

Deemed to be University under Section 3 of UGC Act.Refinement : Design(2) Branch Dimension Month Dimension Month End Date Key Month Attributes Branch Key Branch Address Attributes Branch Rollup Attributes Branch Format Description Month Account Snapshot Fact Product Dimension Product Key Product Description Product Type Product Category 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 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 Household Dimension Household Key Head of Household Name Household Address Attributes Household Type Household Income Household Homeownership Indicator Household Presence of Children Account Status Dimension Account Status Key Account Status Description Account Status Group BITS Pilani. 1956 .

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. it may approach 10 million members/customers.Requirement Analysis 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. or more individual account holders. so track the changes also 5) Ability to have geographic(branch wise) reports 6) In a (big) bank. 1956 . Deemed to be University under Section 3 of UGC Act. or customers. BITS Pilani. associated with it.

Deemed to be University under Section 3 of UGC Act.Design Refinement : Design(3) Branch Dimension Branch Key Branch Address Attributes Branch Rollup Attributes Branch Format Description « 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) Customer Key (FK) Primary Month Ending Balance Average Daily Balance Num ber of Transaction Interest Paid Interest charged Fees Charged « and more Account Dimension Account Key Customer Key (FK) Account Open Date Account Type Description Account Type Category Account Number Primary Account Holder Name Secondary Account Holder Name Account Address Attributes « and more Account Status Dimension Account Status Key Account Status Description Account Status Group « and more Customer Dimension Customer Key Customer Name Customer Date of Birth « and more BITS Pilani. 1956 .

so track the changes also 5) Ability to have geographic(branch wise) reports 6) In a (big) bank. two. Deemed to be University under Section 3 of UGC Act. it may approach 10 million members/customers. or customers.Requirement Analysis 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. maintain details of each 7) An account can have one. associated with it. or more individual account holders. 1956 . Solution : to link an individual customer dimension to an accountgrained fact table requires the use of an Account-to-Customer bridge table BITS Pilani.

Refinement : Design(3) Branch Dimension Branch Key Branch Address Attributes Branch Rollup Attributes Branch Format Description « 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 Num ber of Transaction Interest Paid Interest charged Fees Charged « 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 Account to Customer Bridge Account Key (FK) Customer Key (FK) Weighing Factor « and more Customer Dimension Account Status Dimension Account Status Key Account Status Description Account Status Group « and more Customer Key Customer Name Customer Date of Birth « and more BITS Pilani. Deemed to be University under Section 3 of UGC Act. 1956 .

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

1956 . Deemed to be University under Section 3 of UGC Act.Refinement Design(4) Account Dimension Branch Dimension Branch Key Branch Address Attributes Branch Rollup Attributes Branch Format Description « and more Refinement : Design(3) 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 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 Num ber of Transaction Interest Paid Interest charged Fees Charged « and more >= Account to Customer Bridge Account Status Dimension Account Status Key Account Status Description Account Status Group « and more Account Key (FK) Customer Key (FK) Weighing Factor « and more Band Definition Table Band Group Key Band Group Sort Order Band Group Name Band Range Name Band Lower Value Band Upper Value Customer Dimension Customer Key Customer Name Customer Date of Birth « and more < BITS Pilani.

BITS Pilani. Deemed to be University under Section 3 of UGC Act. Handle custom Heterogeneous Product Schemas.65 billion fact rows per year.Requirement Analysis 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. 1956 .] Key to success: Account Dimension as ³Conformed Dimension´ Supporting Dimension : Transaction Date Dimension & Transaction Type Dimension 10) Business users typically require two different perspective.

Refinement Design(5) Account to Customer Bridge Customer Dimension Customer Key Customer Name Customer Date of Birth « and more Refinement : Design(5) 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 Name Secondary Account Holder Name Account Address Attributes « and more Account Key (FK) Customer Key (FK) Weighing Factor « and more Transaction Date Dimension Transaction Date Key .and more Transaction Date Key (FK) Account Key (FK) Transaction Type Key (FK) Transaction Sequence Number(DD) Final Flag Transaction Amount Transaction Ending Balance .. 1956 .. Deemed to be University under Section 3 of UGC Act....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 Num ber of Transaction Interest Paid Interest charged Fees Charged « and more >= < Balance Transaction Fact Table Account Status Dimension Account Status Key Account Status Description Account Status Group « and more Band Definition Table Band Group Key Band Group Sort Order Band Group Name Band Range Name Band Lower Value Band Upper Value Transaction Type Dimension Transaction Type Key Transaction Type Description ..and more BITS Pilani.

Handle custom Heterogeneous Product Schemas. Global view : needed to plan appropriate CRM strategies II. 1956 . 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.g. 2 different views I. 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 business that is limited to just Specific line-of-business e.Requirement Analysis 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.

Deemed to be 1956 .Refinement Design(6) Checking Specific Product Dimension Product Key Core Product Attributes« Minimum checking Balance Per Check Fee Indicator Per Check Fee Amount Monthly Fee Basis Monthly Fee Amount Free Check Printing Indicator Debit Card Eligible Indicator Month Dimension Month End Date Key Date « and more Monthly Checking Snapshot Fact Month End Date Key (FK) Account Key (FK) Product Key (FK) Core Facts« Num ber of Checks Cleared Num ber of Electronic Transaction Num ber of OverDrafts Num ber of ATM Usages Num ber of Deposits 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 Month Account Snapshot Fact Branch Key (FK) Month End Date Key (FK) Account Key (FK) Product Key (FK) Account Status Key (FK) Primary Month Ending Balance Average Daily Balance Num ber of Transaction Interest Paid Interest charged Fees Charged « and more Product Dimension Product Key Product Description Product Type Product Category « 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 Band Definition Table Band Group Key Band Group Sort Order Band Group Name Band Range Name >= Band Lower Value University under Band Upper of UGC Act. Section 3 Value < BITS Pilani.

Enterprise Bus Architecture Matrix Month Dimension Product 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 BITS Pilani. Deemed to be University under Section 3 of UGC Act. 1956 .

Deemed to be University under Section 3 of UGC Act....and m ore Month Account Snapshot Fact Branch Key (FK) Month End Date Key (FK) Account Key (FK) Product Key (FK) Account Status Key (FK) Primary Month Ending Balance Average Daily Balance Number of Transaction Interest Paid Interest charged Fees Charged « and m ore Balance Transaction Fact Table Account Status Dimension Account Status Key Account Status Description Account Status Group « and m ore Band Definition Table Band Group Key Band Group Sort Order Band Group Name Band Range Name Band Lower Value Band Upper Value Transaction Type Dimension Transaction Type Key Transaction Type Description . 1956 .and m ore Product Dimension Product Key Product Description Product Type Product Category « and m ore Branch Dimension Branch Key Branch Address Attributes Branch Rollup Attributes Branch Form at Description « and m ore >= < BITS Pilani..and m ore Transaction Date Key (FK) Account Key (FK) Transaction Type Key (FK) Transaction Sequence Number(DD) Final Flag Transaction Am ount Transaction Ending Balance ..Final Design (Not included all custom schemas here though !!!) Account to Customer Bridge Checking Specific Product Dimension Product Key Core Product Attributes« Minimum checking Balance Per Check Fee Indicator Per Check Fee Amount Monthly Fee Basis Monthly Fee Am ount Free Check Printing Indicator Debit Card Eligible Indicator Month Dimension Month End Date Key Date « and m ore Monthly Checking Snapshot Fact Month End Date Key (FK) Account Key (FK) Product Key (FK) Core Facts« Number of Checks Cleared Number of Electronic Transaction Number of OverDrafts Number of ATM Usages Number of Deposits Account Key (FK) Custom er Key (FK) Weighing Factor « and m ore Account Dimension Account Key Account Open Date Account Type Description Account Type Category Account Number Primary Account Holder Name Secondary Account Holder Nam e Account Address Attributes « and m ore Customer Dimension Custom er Key Custom er Name Custom er Date of Birth « and m ore Transaction Date Dimension Transaction Date Key ..

com/html/booksDWT2.html BITS Pilani.com/ralph-kimball/ http://www.kimballgroup.com/support/docview.oracle.References http://www.wss?uid=swg24022595 http://www.com/webfolder/technetwork/tutorials/obe/db/10g/r2/owb/o wb10gr2_gs/owb/lesson3/starandsnowflake. Deemed to be University under Section 3 of UGC Act.kimballgroup.htm http://www-01. 1956 .com/html/designtips.html http://www.datawarehousetoolkit.ibm.

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

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