{"id":41784,"date":"2026-09-30T17:37:10","date_gmt":"2026-09-30T17:37:10","guid":{"rendered":"https:\/\/cobit-solutions.com\/en\/?p=41784"},"modified":"2026-10-02T15:29:10","modified_gmt":"2026-10-02T15:29:10","slug":"data-analytics-in-banking","status":"publish","type":"post","link":"https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/","title":{"rendered":"Data Analytics in Banking: 10 Practical Use Cases"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"41784\" class=\"elementor elementor-41784\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1f0503 e-flex e-con-boxed e-con e-parent\" data-id=\"e1f0503\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d959dc9 e-con-full e-flex e-con e-child\" data-id=\"d959dc9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f67370 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5f67370\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"5\" viewBox=\"0 0 56 5\" fill=\"none\"><path d=\"M2.5 2.5H53.5\" stroke=\"#FF9900\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Practical insights, numbers, and real-world cases<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35b6e2c elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"35b6e2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Data Analytics in Banks: <br>10 Practical Use Cases<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dab8992 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"dab8992\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Where is your financial institution losing money, what risks can be seen early, and what already has a measurable effect? <strong>\u200b\u200b<\/strong>We analyze<strong> the experience of Cobit Solutions and international banks.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73e371f e-grid e-con-full e-con e-child\" data-id=\"73e371f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6606b0c elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"6606b0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-bs-toggle=\"modal\" data-bs-target=\"#dashModal-get-quote-popup\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#dashModal-get-quote-popup\" rel="nofollow">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">30-minute consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-248afc3 elementor-widget elementor-widget-button\" data-id=\"248afc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#article\" rel="nofollow">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read the article<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1532fe5 e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"1532fe5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc85df6 e-grid e-con-full e-con e-child\" data-id=\"fc85df6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dcc31f6 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"dcc31f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-check\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4zm323-128.4l-27.8-28.1c-4.6-4.7-12.1-4.7-16.8-.1l-104.8 104-45.5-45.8c-4.6-4.7-12.1-4.7-16.8-.1l-28.1 27.9c-4.7 4.6-4.7 12.1-.1 16.8l81.7 82.3c4.6 4.7 12.1 4.7 16.8.1l141.3-140.2c4.6-4.7 4.7-12.2.1-16.8z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t2\u20133\u00d7\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tgreater attention to personalized <br>offers\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c39f01c elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c39f01c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chart-pie\" viewBox=\"0 0 544 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M527.79 288H290.5l158.03 158.03c6.04 6.04 15.98 6.53 22.19.68 38.7-36.46 65.32-85.61 73.13-140.86 1.34-9.46-6.51-17.85-16.06-17.85zm-15.83-64.8C503.72 103.74 408.26 8.28 288.8.04 279.68-.59 272 7.1 272 16.24V240h223.77c9.14 0 16.82-7.68 16.19-16.8zM224 288V50.71c0-9.55-8.39-17.4-17.84-16.06C86.99 51.49-4.1 155.6.14 280.37 4.5 408.51 114.83 513.59 243.03 511.98c50.4-.63 96.97-16.87 135.26-44.03 7.9-5.6 8.42-17.23 1.57-24.08L224 288z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t18 % \t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\thigher customer retention<br> rate\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18c4fbe elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"18c4fbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-shield-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t15\u201320 %\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tlower risk of problem<br> loans\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d1aef2 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1d1aef2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-coins\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 405.3V448c0 35.3 86 64 192 64s192-28.7 192-64v-42.7C342.7 434.4 267.2 448 192 448S41.3 434.4 0 405.3zM320 128c106 0 192-28.7 192-64S426 0 320 0 128 28.7 128 64s86 64 192 64zM0 300.4V352c0 35.3 86 64 192 64s192-28.7 192-64v-51.6c-41.3 34-116.9 51.6-192 51.6S41.3 334.4 0 300.4zm416 11c57.3-11.1 96-31.7 96-55.4v-42.7c-23.2 16.4-57.3 27.6-96 34.5v63.6zM192 160C86 160 0 195.8 0 240s86 80 192 80 192-35.8 192-80-86-80-192-80zm219.3 56.3c60-10.8 100.7-32 100.7-56.3v-42.7c-35.5 25.1-96.5 38.6-160.7 41.8 29.5 14.3 51.2 33.5 60 57.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tby 67.6%\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tfewer cases of financial <br>losses\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12c1d6f elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"12c1d6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-search\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 442.7L405.3 343c-4.5-4.5-10.6-7-17-7H372c27.6-35.3 44-79.7 44-128C416 93.1 322.9 0 208 0S0 93.1 0 208s93.1 208 208 208c48.3 0 92.7-16.4 128-44v16.3c0 6.4 2.5 12.5 7 17l99.7 99.7c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.6.1-34zM208 336c-70.7 0-128-57.2-128-128 0-70.7 57.2-128 128-128 70.7 0 128 57.2 128 128 0 70.7-57.2 128-128 128z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\u0434\u043e 3\u00d7\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tmore AML schemes<br> detected\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b99489f e-flex e-con-boxed e-con e-parent\" data-id=\"b99489f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ace6d7b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"ace6d7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does an analyst give the bank in terms <span style=\"color:#7CC3FD\">of money<\/span>?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6868880 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6868880\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">It is through these indicators that bank owners and managers look at the data.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa52a7e e-grid e-con-full e-con e-child\" data-id=\"fa52a7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7a0b97 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"b7a0b97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-plus\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M624 208h-64v-64c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v64h-64c-8.8 0-16 7.2-16 16v32c0 8.8 7.2 16 16 16h64v64c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16v-64h64c8.8 0 16-7.2 16-16v-32c0-8.8-7.2-16-16-16zm-400 48c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMore sales per customer\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5fb03e elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"c5fb03e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-money-bill-alt\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M320 144c-53.02 0-96 50.14-96 112 0 61.85 42.98 112 96 112 53 0 96-50.13 96-112 0-61.86-42.98-112-96-112zm40 168c0 4.42-3.58 8-8 8h-64c-4.42 0-8-3.58-8-8v-16c0-4.42 3.58-8 8-8h16v-55.44l-.47.31a7.992 7.992 0 0 1-11.09-2.22l-8.88-13.31a7.992 7.992 0 0 1 2.22-11.09l15.33-10.22a23.99 23.99 0 0 1 13.31-4.03H328c4.42 0 8 3.58 8 8v88h16c4.42 0 8 3.58 8 8v16zM608 64H32C14.33 64 0 78.33 0 96v320c0 17.67 14.33 32 32 32h576c17.67 0 32-14.33 32-32V96c0-17.67-14.33-32-32-32zm-16 272c-35.35 0-64 28.65-64 64H112c0-35.35-28.65-64-64-64V176c35.35 0 64-28.65 64-64h416c0 35.35 28.65 64 64 64v160z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFewer credit losses\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9f86d5 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"f9f86d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bullseye\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm0 432c-101.69 0-184-82.29-184-184 0-101.69 82.29-184 184-184 101.69 0 184 82.29 184 184 0 101.69-82.29 184-184 184zm0-312c-70.69 0-128 57.31-128 128s57.31 128 128 128 128-57.31 128-128-57.31-128-128-128zm0 192c-35.29 0-64-28.71-64-64s28.71-64 64-64 64 28.71 64 64-28.71 64-64 64z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAccurate capital planning\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1addcc elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"d1addcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-search-dollar\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505.04 442.66l-99.71-99.69c-4.5-4.5-10.6-7-17-7h-16.3c27.6-35.3 44-79.69 44-127.99C416.03 93.09 322.92 0 208.02 0S0 93.09 0 207.98s93.11 207.98 208.02 207.98c48.3 0 92.71-16.4 128.01-44v16.3c0 6.4 2.5 12.5 7 17l99.71 99.69c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.59.1-33.99zm-297.02-90.7c-79.54 0-144-64.34-144-143.98 0-79.53 64.35-143.98 144-143.98 79.54 0 144 64.34 144 143.98 0 79.53-64.35 143.98-144 143.98zm27.11-152.54l-45.01-13.5c-5.16-1.55-8.77-6.78-8.77-12.73 0-7.27 5.3-13.19 11.8-13.19h28.11c4.56 0 8.96 1.29 12.82 3.72 3.24 2.03 7.36 1.91 10.13-.73l11.75-11.21c3.53-3.37 3.33-9.21-.57-12.14-9.1-6.83-20.08-10.77-31.37-11.35V112c0-4.42-3.58-8-8-8h-16c-4.42 0-8 3.58-8 8v16.12c-23.63.63-42.68 20.55-42.68 45.07 0 19.97 12.99 37.81 31.58 43.39l45.01 13.5c5.16 1.55 8.77 6.78 8.77 12.73 0 7.27-5.3 13.19-11.8 13.19h-28.1c-4.56 0-8.96-1.29-12.82-3.72-3.24-2.03-7.36-1.91-10.13.73l-11.75 11.21c-3.53 3.37-3.33 9.21.57 12.14 9.1 6.83 20.08 10.77 31.37 11.35V304c0 4.42 3.58 8 8 8h16c4.42 0 8-3.58 8-8v-16.12c23.63-.63 42.68-20.54 42.68-45.07 0-19.97-12.99-37.81-31.59-43.39z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLower operating costs\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e8a6fc e-grid e-con-full e-con e-child\" data-id=\"5e8a6fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6a8a9a2 e-con-full e-flex e-con e-child\" data-id=\"6a8a9a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1732745 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1732745\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"5\" viewBox=\"0 0 56 5\" fill=\"none\"><path d=\"M2.5 2.5H53.5\" stroke=\"#FF9900\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIn this article, we will analyze <b style=\"color:#7CC3FD\">10 practical scenarios<\/b> for using analytics in banks.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2b6a4e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"b2b6a4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"110\" height=\"23\" viewBox=\"0 0 110 23\" fill=\"none\"><path d=\"M109.084 12.0079C109.664 11.4168 109.656 10.4671 109.064 9.88672L99.4305 0.42957C98.8394 -0.150768 97.8897 -0.141974 97.3093 0.449211C96.729 1.0404 96.7378 1.9901 97.329 2.57044L105.892 10.9768L97.4861 19.5403C96.9058 20.1315 96.9145 21.0812 97.5057 21.6615C98.0969 22.2418 99.0466 22.233 99.627 21.6419L109.084 12.0079ZM0.0136719 11.9572L0.0275602 13.4571L108.028 12.4571L108.014 10.9572L108 9.45722L-0.000216419 10.4572L0.0136719 11.9572Z\" fill=\"url(#paint0_linear_144_38)\"><\/path><defs><linearGradient id=\"paint0_linear_144_38\" x1=\"0.0183013\" y1=\"12.4571\" x2=\"108.018\" y2=\"11.4571\" gradientUnits=\"userSpaceOnUse\"><stop stop-color=\"#3565AD\"><\/stop><stop offset=\"1\" stop-color=\"#5CAAF4\"><\/stop><\/linearGradient><\/defs><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b36137 e-con-full e-flex e-con e-child\" data-id=\"2b36137\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-187e7a1 elementor-widget elementor-widget-text-editor\" data-id=\"187e7a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>You will see:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88037f3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"88037f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"26\" viewBox=\"0 0 26 26\" fill=\"none\"><mask id=\"mask0_238_980\" style=\"mask-type:alpha\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"26\" height=\"26\"><rect width=\"26\" height=\"26\" rx=\"13\" fill=\"url(#paint0_linear_238_980)\"><\/rect><\/mask><g mask=\"url(#mask0_238_980)\"><rect y=\"-3.9834\" width=\"26\" height=\"66.3398\" rx=\"13\" fill=\"#28B711\"><\/rect><\/g><path d=\"M7.66675 13L10.9666 16.2998L18.0376 9.22876\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><defs><linearGradient id=\"paint0_linear_238_980\" x1=\"27.1042\" y1=\"-17.7794\" x2=\"-1.70349\" y2=\"-13.4574\" gradientUnits=\"userSpaceOnUse\"><stop stop-color=\"#C40F89\"><\/stop><stop offset=\"1\" stop-color=\"#59118E\"><\/stop><\/linearGradient><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">what solutions are already being used by international banks<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"26\" viewBox=\"0 0 26 26\" fill=\"none\"><mask id=\"mask0_238_980\" style=\"mask-type:alpha\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"26\" height=\"26\"><rect width=\"26\" height=\"26\" rx=\"13\" fill=\"url(#paint0_linear_238_980)\"><\/rect><\/mask><g mask=\"url(#mask0_238_980)\"><rect y=\"-3.9834\" width=\"26\" height=\"66.3398\" rx=\"13\" fill=\"#28B711\"><\/rect><\/g><path d=\"M7.66675 13L10.9666 16.2998L18.0376 9.22876\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><defs><linearGradient id=\"paint0_linear_238_980\" x1=\"27.1042\" y1=\"-17.7794\" x2=\"-1.70349\" y2=\"-13.4574\" gradientUnits=\"userSpaceOnUse\"><stop stop-color=\"#C40F89\"><\/stop><stop offset=\"1\" stop-color=\"#59118E\"><\/stop><\/linearGradient><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">what results they achieve<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"26\" viewBox=\"0 0 26 26\" fill=\"none\"><mask id=\"mask0_238_980\" style=\"mask-type:alpha\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"26\" height=\"26\"><rect width=\"26\" height=\"26\" rx=\"13\" fill=\"url(#paint0_linear_238_980)\"><\/rect><\/mask><g mask=\"url(#mask0_238_980)\"><rect y=\"-3.9834\" width=\"26\" height=\"66.3398\" rx=\"13\" fill=\"#28B711\"><\/rect><\/g><path d=\"M7.66675 13L10.9666 16.2998L18.0376 9.22876\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><defs><linearGradient id=\"paint0_linear_238_980\" x1=\"27.1042\" y1=\"-17.7794\" x2=\"-1.70349\" y2=\"-13.4574\" gradientUnits=\"userSpaceOnUse\"><stop stop-color=\"#C40F89\"><\/stop><stop offset=\"1\" stop-color=\"#59118E\"><\/stop><\/linearGradient><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">what data and infrastructure are needed to run such scenarios<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"26\" viewBox=\"0 0 26 26\" fill=\"none\"><mask id=\"mask0_238_980\" style=\"mask-type:alpha\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"26\" height=\"26\"><rect width=\"26\" height=\"26\" rx=\"13\" fill=\"url(#paint0_linear_238_980)\"><\/rect><\/mask><g mask=\"url(#mask0_238_980)\"><rect y=\"-3.9834\" width=\"26\" height=\"66.3398\" rx=\"13\" fill=\"#28B711\"><\/rect><\/g><path d=\"M7.66675 13L10.9666 16.2998L18.0376 9.22876\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><defs><linearGradient id=\"paint0_linear_238_980\" x1=\"27.1042\" y1=\"-17.7794\" x2=\"-1.70349\" y2=\"-13.4574\" gradientUnits=\"userSpaceOnUse\"><stop stop-color=\"#C40F89\"><\/stop><stop offset=\"1\" stop-color=\"#59118E\"><\/stop><\/linearGradient><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">where analytics can have the greatest business impact<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d6fc00 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8d6fc00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-info-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.043 8 8 119.083 8 256c0 136.997 111.043 248 248 248s248-111.003 248-248C504 119.083 392.957 8 256 8zm0 110c23.196 0 42 18.804 42 42s-18.804 42-42 42-42-18.804-42-42 18.804-42 42-42zm56 254c0 6.627-5.373 12-12 12h-88c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h12v-64h-12c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h64c6.627 0 12 5.373 12 12v100h12c6.627 0 12 5.373 12 12v24z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIn the material, we rely on the experience of our company Cobit Solutions and open cases of international banks, since due to NDA we cannot name clients from our own banking projects.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea8e563 elementor-widget elementor-widget-text-editor\" data-id=\"ea8e563\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Let&#8217;s start with the question that comes first for any business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e5e5781 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5e5781\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d3feea4\" data-id=\"d3feea4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd0b4a1 e-grid e-con-full e-con e-parent\" data-id=\"dd0b4a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-633477e elementor-widget elementor-widget-image\" data-id=\"633477e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/custumer-bank.png\" class=\"attachment-large size-large wp-image-41838\" alt=\"\" srcset=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/custumer-bank.png 512w, https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/custumer-bank-484x484.png 484w, https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/custumer-bank-300x300.png 300w, https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/custumer-bank-225x225.png 225w, https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/custumer-bank-200x200.png 200w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b64d011 e-flex e-con-boxed e-con e-child\" data-id=\"b64d011\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8e2beb elementor-view-framed elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"b8e2beb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"66\" height=\"63\" viewBox=\"0 0 66 63\" fill=\"none\"><path d=\"M45.9932 0C46.6493 0.000299308 47.1825 0.532259 47.1826 1.18848V7.13281L47.1758 7.25391C47.119 7.81316 46.6744 8.2583 46.1152 8.31543L45.9932 8.32129H44.5039V11.3125C56.2202 13.8993 65.0137 24.3658 65.0137 36.8496C65.0135 51.2702 53.2802 62.9996 38.8613 63C28.7207 62.9999 19.9089 57.1982 15.5723 48.7393H17.5527C21.7326 56.202 29.7168 61.2587 38.8613 61.2588C52.3196 61.2584 63.2684 50.3079 63.2686 36.8496C63.2686 23.3912 52.3197 12.4408 38.8613 12.4404C29.2376 12.4405 20.8993 18.0408 16.9277 26.1523H14.999C18.5085 18.3555 25.7303 12.5764 34.3994 11.0801V8.32129H32.917L32.7959 8.31543C32.2364 8.25858 31.7912 7.81339 31.7344 7.25391L31.7285 7.13281V1.18848C31.7287 0.532262 32.2608 0.000303798 32.917 0H45.9932ZM44.5664 49.8965C46.0161 49.8413 47.0703 50.894 47.0703 52.3438V53.9043C47.0703 55.3687 45.9688 56.5184 44.5664 56.4209H33.1494C31.7454 56.5184 30.6465 55.3687 30.6465 53.9043V52.3438C30.6465 50.894 31.6998 49.8413 33.1494 49.8965H44.5664ZM33.1494 51.5283C32.667 51.5839 32.3916 51.8616 32.3916 53.2295V54.79C32.3916 54.3221 32.6278 54.7754 33.1494 54.8311H44.5664C45.0863 54.7754 45.3252 54.3233 45.3252 53.9043V52.3438C45.3252 51.8612 45.0488 51.5839 44.5664 51.5283H33.1494ZM27.4404 45.7334C27.5585 45.7334 27.6761 45.7567 27.7852 45.8018C27.8942 45.8469 27.9946 45.9127 28.0781 45.9961C28.1617 46.0797 28.2281 46.1799 28.2734 46.2891C28.3187 46.3983 28.3427 46.5155 28.3428 46.6338C28.3428 46.752 28.3195 46.8693 28.2744 46.9785C28.2292 47.0878 28.1626 47.1878 28.0791 47.2715L25.6328 49.7178C25.5493 49.8014 25.449 49.8678 25.3398 49.9131C25.2308 49.9582 25.1131 49.9823 24.9951 49.9824C24.8771 49.9824 24.7595 49.9581 24.6504 49.9131C24.5415 49.868 24.4419 49.802 24.3584 49.7188C24.2748 49.6352 24.2074 49.535 24.1621 49.4258C24.1169 49.3166 24.0938 49.1992 24.0938 49.0811C24.0937 48.9628 24.1169 48.8456 24.1621 48.7363C24.2073 48.6271 24.2739 48.527 24.3574 48.4434L26.8037 45.9971C26.8872 45.9136 26.9867 45.847 27.0957 45.8018C27.2047 45.7566 27.3224 45.7335 27.4404 45.7334ZM51.0908 44.918C51.3293 44.9181 51.5588 45.0131 51.7275 45.1816L54.1758 47.6279C54.2596 47.7112 54.3266 47.8109 54.3721 47.9199C54.4176 48.0292 54.4414 48.1473 54.4414 48.2656C54.4413 48.3838 54.4175 48.5012 54.3721 48.6104C54.3266 48.7194 54.2597 48.8191 54.1758 48.9023C54.0926 48.9864 53.9929 49.053 53.8838 49.0986C53.7745 49.1442 53.6565 49.1679 53.5381 49.168C53.4198 49.1679 53.3016 49.1442 53.1924 49.0986C53.0833 49.053 52.9836 48.9864 52.9004 48.9023L50.4541 46.4561C50.2853 46.2872 50.1904 46.0572 50.1904 45.8184C50.1905 45.5797 50.2854 45.3504 50.4541 45.1816C50.6229 45.013 50.8523 44.9181 51.0908 44.918ZM20.8691 44.7949C21.3614 44.795 21.7605 45.1943 21.7607 45.6865C21.7607 46.1789 21.3615 46.5781 20.8691 46.5781H7.31543C6.82303 46.5781 6.42383 46.1789 6.42383 45.6865C6.42404 45.1943 6.82316 44.7949 7.31543 44.7949H20.8691ZM14.4395 40.8115C14.9317 40.8116 15.3309 41.2109 15.3311 41.7031C15.3309 42.1954 14.9317 42.5947 14.4395 42.5947H10.873C10.3807 42.5947 9.9816 42.1954 9.98145 41.7031C9.98165 41.2109 10.3808 40.8115 10.873 40.8115H14.4395ZM46.1973 28.6377C46.4282 28.6378 46.6501 28.7303 46.8135 28.8936C46.9768 29.057 47.0693 29.2787 47.0693 29.5098C47.0693 29.7409 46.9768 29.9635 46.8135 30.127L42.4873 34.4531C43.0383 35.2897 43.2836 36.2914 43.1826 37.2881C43.0816 38.2845 42.64 39.2158 41.9326 39.9248C41.1125 40.7465 40.0193 41.199 38.8584 41.1992C37.9991 41.1974 37.1583 40.941 36.4443 40.4629C35.7304 39.9846 35.1735 39.3048 34.8447 38.5107C34.5161 37.7167 34.4297 36.8429 34.5967 36C34.7637 35.1571 35.1767 34.3822 35.7832 33.7734C37.2151 32.3401 39.5774 32.1575 41.249 33.2256L45.5811 28.8936C45.7445 28.7303 45.9663 28.6378 46.1973 28.6377ZM38.8584 34.6748C38.278 34.6749 37.7306 34.9017 37.3213 35.3125C36.9143 35.7203 36.6857 36.2734 36.6855 36.8496C36.6855 37.4259 36.9141 37.9798 37.3213 38.3877C38.1431 39.2092 39.5751 39.209 40.3955 38.3877C41.2433 37.5397 41.2433 36.1605 40.3955 35.3125C39.9848 34.9021 39.4384 34.675 38.8584 34.6748ZM20.5088 36.4961C21.001 36.4962 21.4001 36.8956 21.4004 37.3877C21.4004 37.88 21.0011 38.2792 20.5088 38.2793H0.891602C0.399206 38.2793 0 37.8801 0 37.3877C0.000244245 36.8955 0.399357 36.4961 0.891602 36.4961H20.5088ZM59.2451 35.1318C59.3631 35.1319 59.4808 35.1551 59.5898 35.2002C59.6991 35.2455 59.7992 35.3129 59.8828 35.3965C59.9663 35.4801 60.0329 35.5794 60.0781 35.6885C60.1234 35.7979 60.1465 35.9158 60.1465 36.0342C60.1464 36.1524 60.1234 36.2696 60.0781 36.3789C60.0328 36.4882 59.9664 36.5882 59.8828 36.6719C59.7992 36.7554 59.699 36.8219 59.5898 36.8672C59.4807 36.9123 59.3632 36.9355 59.2451 36.9355H55.9834C55.4862 36.9354 55.0813 36.533 55.0811 36.0342C55.0811 35.7951 55.1767 35.5656 55.3457 35.3965C55.5148 35.2275 55.7444 35.1319 55.9834 35.1318H59.2451ZM14.4395 32.1807C14.9316 32.1807 15.3308 32.5801 15.3311 33.0723C15.3311 33.5646 14.9318 33.9638 14.4395 33.9639H10.873C10.3807 33.9639 9.98145 33.5647 9.98145 33.0723C9.98171 32.5801 10.3808 32.1807 10.873 32.1807H14.4395ZM20.8691 28.5293C21.3614 28.5293 21.7605 28.9287 21.7607 29.4209C21.7606 29.9132 21.3614 30.3125 20.8691 30.3125H7.31543C6.8231 30.3125 6.42393 29.9132 6.42383 29.4209C6.42403 28.9287 6.82316 28.5293 7.31543 28.5293H20.8691ZM24.1797 22.9004C24.2976 22.9004 24.4154 22.9237 24.5244 22.9688C24.6335 23.014 24.7339 23.0806 24.8174 23.1641L27.3857 25.7344C27.5118 25.8601 27.5978 26.0207 27.6328 26.1953C27.6677 26.3701 27.6503 26.5521 27.582 26.7168C27.5137 26.8814 27.3973 27.0222 27.249 27.1211C27.1008 27.2197 26.9261 27.2728 26.748 27.2725C26.63 27.2722 26.5123 27.2486 26.4033 27.2031C26.2945 27.1576 26.1954 27.0906 26.1123 27.0068L23.543 24.4375C23.4596 24.354 23.3929 24.2546 23.3477 24.1455C23.3024 24.0363 23.2793 23.919 23.2793 23.8008C23.2793 23.6826 23.3024 23.5653 23.3477 23.4561C23.3929 23.347 23.4595 23.2476 23.543 23.1641C23.6265 23.0806 23.7269 23.014 23.8359 22.9688C23.9448 22.9238 24.0619 22.9005 24.1797 22.9004ZM52.7217 22.0859C52.8397 22.086 52.9573 22.1101 53.0664 22.1553C53.1753 22.2004 53.275 22.2663 53.3584 22.3496C53.4419 22.4332 53.5085 22.5334 53.5537 22.6426C53.5989 22.7518 53.623 22.8691 53.623 22.9873C53.623 23.1054 53.5989 23.2229 53.5537 23.332C53.5085 23.441 53.4418 23.5406 53.3584 23.624L50.792 26.1924C50.7085 26.276 50.6081 26.3424 50.499 26.3877C50.39 26.4329 50.2723 26.4569 50.1543 26.457C50.0363 26.457 49.9187 26.4337 49.8096 26.3887C49.7005 26.3435 49.6012 26.2767 49.5176 26.1934C49.434 26.1098 49.3666 26.0105 49.3213 25.9014C49.276 25.7922 49.2531 25.6748 49.2529 25.5566C49.2529 25.4383 49.2761 25.3203 49.3213 25.2109C49.3665 25.1018 49.4332 25.0025 49.5166 24.9189L52.085 22.3496C52.1683 22.2663 52.2681 22.2005 52.377 22.1553C52.486 22.1102 52.6037 22.086 52.7217 22.0859ZM39.6738 15.5605C39.9127 15.5608 40.1426 15.6554 40.3115 15.8242C40.4804 15.9933 40.5751 16.2229 40.5752 16.4619V19.7246C40.5751 19.9636 40.4804 20.1933 40.3115 20.3623C40.1426 20.5312 39.9127 20.6258 39.6738 20.626C39.1767 20.6258 38.7717 20.2234 38.7715 19.7246V16.4619C38.7716 16.2229 38.8672 15.9933 39.0361 15.8242C39.2052 15.6555 39.435 15.5606 39.6738 15.5605ZM36.1826 10.835C37.0632 10.745 37.9575 10.6983 38.8613 10.6982C40.172 10.6983 41.4612 10.7963 42.7207 10.9834V8.32129H36.1826V10.835ZM33.5117 6.53809H45.3994V1.7832H33.5117V6.53809Z\" fill=\"#095CA2\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tOPERATIONAL EFFICIENCY\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9db33ab elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"9db33ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to reduce\u0456 <span style=\"color:#0158C6\">bank operating costs<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-676fa0d elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"676fa0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Now let&#8217;s move on to Cost-to-Income. <strong>Where does the bank spend money every day?<\/strong> Cash, collection, employee labor, maintenance of a large network of equipment. <\/span><\/p><p><span style=\"font-weight: 400\">On the scale of a large financial institution, even a few percent savings turn into significant amounts.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4dd68c3 e-grid e-con-full e-con e-child\" data-id=\"4dd68c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60a5672 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"60a5672\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-money-bill-alt\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M320 144c-53.02 0-96 50.14-96 112 0 61.85 42.98 112 96 112 53 0 96-50.13 96-112 0-61.86-42.98-112-96-112zm40 168c0 4.42-3.58 8-8 8h-64c-4.42 0-8-3.58-8-8v-16c0-4.42 3.58-8 8-8h16v-55.44l-.47.31a7.992 7.992 0 0 1-11.09-2.22l-8.88-13.31a7.992 7.992 0 0 1 2.22-11.09l15.33-10.22a23.99 23.99 0 0 1 13.31-4.03H328c4.42 0 8 3.58 8 8v88h16c4.42 0 8 3.58 8 8v16zM608 64H32C14.33 64 0 78.33 0 96v320c0 17.67 14.33 32 32 32h576c17.67 0 32-14.33 32-32V96c0-17.67-14.33-32-32-32zm-16 272c-35.35 0-64 28.65-64 64H112c0-35.35-28.65-64-64-64V176c35.35 0 64-28.65 64-64h416c0 35.35 28.65 64 64 64v160z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tCash flow optimization\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34334b7 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-widget__width-initial elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"34334b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-robot\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M32,224H64V416H32A31.96166,31.96166,0,0,1,0,384V256A31.96166,31.96166,0,0,1,32,224Zm512-48V448a64.06328,64.06328,0,0,1-64,64H160a64.06328,64.06328,0,0,1-64-64V176a79.974,79.974,0,0,1,80-80H288V32a32,32,0,0,1,64,0V96H464A79.974,79.974,0,0,1,544,176ZM264,256a40,40,0,1,0-40,40A39.997,39.997,0,0,0,264,256Zm-8,128H192v32h64Zm96,0H288v32h64ZM456,256a40,40,0,1,0-40,40A39.997,39.997,0,0,0,456,256Zm-8,128H384v32h64ZM640,256V384a31.96166,31.96166,0,0,1-32,32H576V224h32A31.96166,31.96166,0,0,1,640,256Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tGenerative AI assistant\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0606faa elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget__width-initial elementor-widget elementor-widget-icon-box\" data-id=\"0606faa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-search\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 442.7L405.3 343c-4.5-4.5-10.6-7-17-7H372c27.6-35.3 44-79.7 44-128C416 93.1 322.9 0 208 0S0 93.1 0 208s93.1 208 208 208c48.3 0 92.7-16.4 128-44v16.3c0 6.4 2.5 12.5 7 17l99.7 99.7c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.6.1-34zM208 336c-70.7 0-128-57.2-128-128 0-70.7 57.2-128 128-128 70.7 0 128 57.2 128 128 0 70.7-57.2 128-128 128z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPredicting ATM failures\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-dc5e427 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dc5e427\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f9b6790\" data-id=\"f9b6790\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e82b09a elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"e82b09a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-cog\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M610.5 373.3c2.6-14.1 2.6-28.5 0-42.6l25.8-14.9c3-1.7 4.3-5.2 3.3-8.5-6.7-21.6-18.2-41.2-33.2-57.4-2.3-2.5-6-3.1-9-1.4l-25.8 14.9c-10.9-9.3-23.4-16.5-36.9-21.3v-29.8c0-3.4-2.4-6.4-5.7-7.1-22.3-5-45-4.8-66.2 0-3.3.7-5.7 3.7-5.7 7.1v29.8c-13.5 4.8-26 12-36.9 21.3l-25.8-14.9c-2.9-1.7-6.7-1.1-9 1.4-15 16.2-26.5 35.8-33.2 57.4-1 3.3.4 6.8 3.3 8.5l25.8 14.9c-2.6 14.1-2.6 28.5 0 42.6l-25.8 14.9c-3 1.7-4.3 5.2-3.3 8.5 6.7 21.6 18.2 41.1 33.2 57.4 2.3 2.5 6 3.1 9 1.4l25.8-14.9c10.9 9.3 23.4 16.5 36.9 21.3v29.8c0 3.4 2.4 6.4 5.7 7.1 22.3 5 45 4.8 66.2 0 3.3-.7 5.7-3.7 5.7-7.1v-29.8c13.5-4.8 26-12 36.9-21.3l25.8 14.9c2.9 1.7 6.7 1.1 9-1.4 15-16.2 26.5-35.8 33.2-57.4 1-3.3-.4-6.8-3.3-8.5l-25.8-14.9zM496 400.5c-26.8 0-48.5-21.8-48.5-48.5s21.8-48.5 48.5-48.5 48.5 21.8 48.5 48.5-21.7 48.5-48.5 48.5zM224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm201.2 226.5c-2.3-1.2-4.6-2.6-6.8-3.9l-7.9 4.6c-6 3.4-12.8 5.3-19.6 5.3-10.9 0-21.4-4.6-28.9-12.6-18.3-19.8-32.3-43.9-40.2-69.6-5.5-17.7 1.9-36.4 17.9-45.7l7.9-4.6c-.1-2.6-.1-5.2 0-7.8l-7.9-4.6c-16-9.2-23.4-28-17.9-45.7.9-2.9 2.2-5.8 3.2-8.7-3.8-.3-7.5-1.2-11.4-1.2h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c10.1 0 19.5-3.2 27.2-8.5-1.2-3.8-2-7.7-2-11.8v-9.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t<span style=\"display:inline-block;padding:6px 12px;margin-bottom:8px;border-radius:7px;background:#e2edff;color:#0750ca;font-size:16px;font-weight:700;line-height:1.2;letter-spacing:0\">01<\/span><br>Real-time hyper-personalization\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ec0aab elementor-widget elementor-widget-text-editor\" data-id=\"6ec0aab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Let&#8217;s imagine a client who has just purchased airline tickets. For the bank, this is a signal: in the near future he may need insurance, favorable conditions for payments abroad or another travel product.<\/span><\/p><p><span style=\"font-weight: 400\">There can be hundreds of such signals: an increase in the balance, a regular payment, a change in the cost structure, a new large transfer. <\/span><b>Predictive analytics<\/b><span style=\"font-weight: 400\"> allows you to process these signals and determine which product is most likely to interest a particular client.<\/span><\/p><p><span style=\"font-weight: 400\">In our experience, <\/span>personalized offers can<b> attract the attention of customers 2\u20133 times more often. <\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59a26a3 elementor-widget elementor-widget-html\" data-id=\"59a26a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"cs-personal-stat\">\n  <span class=\"cs-personal-stat__value\">2\u20133\u00d7<\/span>\n  <p class=\"cs-personal-stat__text\">\n    Personalized offers can be 2\u20133 times more likely to attract customer attention.\n  <\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-45952fa\" data-id=\"45952fa\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-89c7152 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"89c7152\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-coins\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 405.3V448c0 35.3 86 64 192 64s192-28.7 192-64v-42.7C342.7 434.4 267.2 448 192 448S41.3 434.4 0 405.3zM320 128c106 0 192-28.7 192-64S426 0 320 0 128 28.7 128 64s86 64 192 64zM0 300.4V352c0 35.3 86 64 192 64s192-28.7 192-64v-51.6c-41.3 34-116.9 51.6-192 51.6S41.3 334.4 0 300.4zm416 11c57.3-11.1 96-31.7 96-55.4v-42.7c-23.2 16.4-57.3 27.6-96 34.5v63.6zM192 160C86 160 0 195.8 0 240s86 80 192 80 192-35.8 192-80-86-80-192-80zm219.3 56.3c60-10.8 100.7-32 100.7-56.3v-42.7c-35.5 25.1-96.5 38.6-160.7 41.8 29.5 14.3 51.2 33.5 60 57.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t<span style=\"display:inline-block;padding:6px 12px;margin-bottom:8px;border-radius:7px;background:#e2edff;color:#0750ca;font-size:16px;font-weight:700;line-height:1.2;letter-spacing:0\">02<\/span><br>Predicting customer churn\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-163c529 elementor-widget elementor-widget-text-editor\" data-id=\"163c529\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">When should you start working with a client who may leave? The best time is before the account is closed. The first signals appear earlier. The client uses the card less often, transfers regular payments to another bank, reduces balances or reduces account turnover. <\/span><\/p><p><b>Predictive analytics<\/b><span style=\"font-weight: 400\"> helps to combine these changes and identify clients with a high risk of churn. <\/span><\/p><p><span style=\"font-weight: 400\">In one of our cases, a European bank used machine learning to predict the churn of banking customers. <\/span><span style=\"font-weight: 400\">A targeted campaign helped increase <\/span><b>the level of active client retention by 18%<span style=\"font-weight: 400\">. <\/span><\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cb5d3c elementor-widget elementor-widget-html\" data-id=\"1cb5d3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"cs-personal-stat\">\n  <span class=\"cs-personal-stat__value\">18 %<\/span>\n  <p class=\"cs-personal-stat__text\">\n   Higher customer retention.\n  <\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-556734c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"556734c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-263a6f1\" data-id=\"263a6f1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d50e31 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"3d50e31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-search-dollar\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505.04 442.66l-99.71-99.69c-4.5-4.5-10.6-7-17-7h-16.3c27.6-35.3 44-79.69 44-127.99C416.03 93.09 322.92 0 208.02 0S0 93.09 0 207.98s93.11 207.98 208.02 207.98c48.3 0 92.71-16.4 128.01-44v16.3c0 6.4 2.5 12.5 7 17l99.71 99.69c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.59.1-33.99zm-297.02-90.7c-79.54 0-144-64.34-144-143.98 0-79.53 64.35-143.98 144-143.98 79.54 0 144 64.34 144 143.98 0 79.53-64.35 143.98-144 143.98zm27.11-152.54l-45.01-13.5c-5.16-1.55-8.77-6.78-8.77-12.73 0-7.27 5.3-13.19 11.8-13.19h28.11c4.56 0 8.96 1.29 12.82 3.72 3.24 2.03 7.36 1.91 10.13-.73l11.75-11.21c3.53-3.37 3.33-9.21-.57-12.14-9.1-6.83-20.08-10.77-31.37-11.35V112c0-4.42-3.58-8-8-8h-16c-4.42 0-8 3.58-8 8v16.12c-23.63.63-42.68 20.55-42.68 45.07 0 19.97 12.99 37.81 31.58 43.39l45.01 13.5c5.16 1.55 8.77 6.78 8.77 12.73 0 7.27-5.3 13.19-11.8 13.19h-28.1c-4.56 0-8.96-1.29-12.82-3.72-3.24-2.03-7.36-1.91-10.13.73l-11.75 11.21c-3.53 3.37-3.33 9.21.57 12.14 9.1 6.83 20.08 10.77 31.37 11.35V304c0 4.42 3.58 8 8 8h16c4.42 0 8-3.58 8-8v-16.12c23.63-.63 42.68-20.54 42.68-45.07 0-19.97-12.99-37.81-31.59-43.39z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t<span style=\"display:inline-block;padding:6px 12px;margin-bottom:8px;border-radius:7px;background:#e2edff;color:#0750ca;font-size:16px;font-weight:700;line-height:1.2;letter-spacing:0\">03<\/span><br>New sources of revenue from data\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a24d988 elementor-widget elementor-widget-text-editor\" data-id=\"a24d988\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Can data help a bank find additional sources of revenue? Yes. Aggregated analytics allows you to study consumer activity, payment structure, behavior of individual segments, and changes in demand. Based on such findings, a bank can find new opportunities in existing products or create separate analytical services for corporate clients and partners.<\/span><\/p><p><span style=\"font-weight: 400\">In one of the cases<\/span><a href=\"https:\/\/usa.visa.com\/content\/dam\/VCOM\/regional\/na\/us\/partner-with-us\/documents\/enabling-top-issuer-increase-interchange-revenue-by-100k.pdf\" rel="nofollow"> <span style=\"font-weight: 400\">Visa<\/span><\/a><span style=\"font-weight: 400\"> a large American card issuer used analytics to identify lost opportunities for generating commission income. After the changes, <strong>the portfolio&#8217;s return increased by 3%, and the bank began to receive an additional $100,000 per year.<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1ee030a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ee030a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bd0f30b\" data-id=\"bd0f30b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ce933da elementor-widget elementor-widget-html\" data-id=\"ce933da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"cs-personal-stat\">\n  <span class=\"cs-personal-stat__value\">+3 %<\/span>\n  <p class=\"cs-personal-stat__text\">\n  Portfolio <br>returns increased\n  <\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7c96e8f\" data-id=\"7c96e8f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c025d45 elementor-widget elementor-widget-html\" data-id=\"c025d45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"cs-personal-stat\">\n  <span class=\"cs-personal-stat__value\">+$100\u041a<\/span>\n  <p class=\"cs-personal-stat__text\">\n  Additional income per year\n  <\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c514b81\" data-id=\"c514b81\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38c2b10 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"38c2b10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-key\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M512 176.001C512 273.203 433.202 352 336 352c-11.22 0-22.19-1.062-32.827-3.069l-24.012 27.014A23.999 23.999 0 0 1 261.223 384H224v40c0 13.255-10.745 24-24 24h-40v40c0 13.255-10.745 24-24 24H24c-13.255 0-24-10.745-24-24v-78.059c0-6.365 2.529-12.47 7.029-16.971l161.802-161.802C163.108 213.814 160 195.271 160 176 160 78.798 238.797.001 335.999 0 433.488-.001 512 78.511 512 176.001zM336 128c0 26.51 21.49 48 48 48s48-21.49 48-48-21.49-48-48-48-48 21.49-48 48z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tKey findings\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tHow is data converted into revenue?\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-934593d e-grid e-con-full e-con e-parent\" data-id=\"934593d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a227798 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-tablet-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"a227798\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bullhorn\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M576 240c0-23.63-12.95-44.04-32-55.12V32.01C544 23.26 537.02 0 512 0c-7.12 0-14.19 2.38-19.98 7.02l-85.03 68.03C364.28 109.19 310.66 128 256 128H64c-35.35 0-64 28.65-64 64v96c0 35.35 28.65 64 64 64h33.7c-1.39 10.48-2.18 21.14-2.18 32 0 39.77 9.26 77.35 25.56 110.94 5.19 10.69 16.52 17.06 28.4 17.06h74.28c26.05 0 41.69-29.84 25.9-50.56-16.4-21.52-26.15-48.36-26.15-77.44 0-11.11 1.62-21.79 4.41-32H256c54.66 0 108.28 18.81 150.98 52.95l85.03 68.03a32.023 32.023 0 0 0 19.98 7.02c24.92 0 32-22.78 32-32V295.13C563.05 284.04 576 263.63 576 240zm-96 141.42l-33.05-26.44C392.95 311.78 325.12 288 256 288v-96c69.12 0 136.95-23.78 190.95-66.98L480 98.58v282.84z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSignal\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe customer changes behavior, balances, payments, or activity.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8115810 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-widget__width-initial elementor-mobile-position-inline-start elementor-tablet-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8115810\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chart-pie\" viewBox=\"0 0 544 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M527.79 288H290.5l158.03 158.03c6.04 6.04 15.98 6.53 22.19.68 38.7-36.46 65.32-85.61 73.13-140.86 1.34-9.46-6.51-17.85-16.06-17.85zm-15.83-64.8C503.72 103.74 408.26 8.28 288.8.04 279.68-.59 272 7.1 272 16.24V240h223.77c9.14 0 16.82-7.68 16.19-16.8zM224 288V50.71c0-9.55-8.39-17.4-17.84-16.06C86.99 51.49-4.1 155.6.14 280.37 4.5 408.51 114.83 513.59 243.03 511.98c50.4-.63 96.97-16.87 135.26-44.03 7.9-5.6 8.42-17.23 1.57-24.08L224 288z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tForecast\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe model identifies a need, risk, or potential opportunity.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b53d5ff elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-widget__width-initial elementor-mobile-position-inline-start elementor-tablet-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"b53d5ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-paper-plane\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M440 6.5L24 246.4c-34.4 19.9-31.1 70.8 5.7 85.9L144 379.6V464c0 46.4 59.2 65.5 86.6 28.6l43.8-59.1 111.9 46.2c5.9 2.4 12.1 3.6 18.3 3.6 8.2 0 16.3-2.1 23.6-6.2 12.8-7.2 21.6-20 23.9-34.5l59.4-387.2c6.1-40.1-36.9-68.8-71.5-48.9zM192 464v-64.6l36.6 15.1L192 464zm212.6-28.7l-153.8-63.5L391 169.5c10.7-15.5-9.5-33.5-23.7-21.2L155.8 332.6 48 288 464 48l-59.4 387.3z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAction\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe bank launches a personal offer, contact, or other scenario.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-921bd86 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-tablet-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"921bd86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-gem\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 0H112c-4 0-7.8 2-10 5.4L2 152.6c-2.9 4.4-2.6 10.2.7 14.2l276 340.8c4.8 5.9 13.8 5.9 18.6 0l276-340.8c3.3-4.1 3.6-9.8.7-14.2L474.1 5.4C471.8 2 468.1 0 464 0zm-19.3 48l63.3 96h-68.4l-51.7-96h56.8zm-202.1 0h90.7l51.7 96H191l51.6-96zm-111.3 0h56.8l-51.7 96H68l63.3-96zm-43 144h51.4L208 352 88.3 192zm102.9 0h193.6L288 435.3 191.2 192zM368 352l68.2-160h51.4L368 352z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEffect\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe bank increases sales, retains customers, and finds new sources of income.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-203b6d1 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"203b6d1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1c3d5f0\" data-id=\"1c3d5f0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-acf3262 elementor-widget elementor-widget-services_feedback\" data-id=\"acf3262\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"services_feedback.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section class=\"feedback-section py-4 py-xl-5\"> \n\t\t\t<div class=\"container py-4\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"section-title text-center mb-2 text-white\">Want to earn more from data?<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-4 feedback-section-desc text-center\">We offer a 30-minute consultation to identify the most promising scenarios for your income growth.<\/p>\n\t\t\t\t\t\t\t\t<div class=\"feedback_form pt-3\" onsubmit=\"window.lintrk('track', { conversion_id: 2049209 });\">\n\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f29435-o1\" lang=\"uk\" dir=\"ltr\" data-wpcf7-id=\"29435\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/posts\/41784#wpcf7-f29435-o1\" method=\"post\" class=\"wpcf7-form init cf7mls-no-scroll cf7mls-auto-return-first-step cf7mls-no-moving-animation\" aria-label=\"\u041a\u043e\u043d\u0442\u0430\u043a\u0442\u043d\u0430 \u0444\u043e\u0440\u043c\u0430\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"29435\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"uk\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f29435-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"lang\" value=\"en\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"row align-items-center\">\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap mb-4\"><span class=\"wpcf7-form-control-wrap\" data-name=\"fio\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"fio\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap mb-4\"><span class=\"wpcf7-form-control-wrap\" data-name=\"short-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel form-control cp-input-phone\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"short-phone\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap mb-4\"><span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control only_corporate_email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Corporate E-Mail\" value=\"\" type=\"email\" name=\"email\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap submit-wrap mb-4\"><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-success py-2 px-3 w-100\" type=\"submit\" value=\"Get a free consultation\" \/><\/div>\n<\/div>\n\n<div style=\"display: none;\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"hp_form_field\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text hp-field-checking\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"hp_form_field\" \/><\/span>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"full_phone_country\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"full_phone\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/posts\/41784\/\" type=\"hidden\" name=\"url\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/posts\/41784\/\" type=\"hidden\" name=\"deal_lead_form_url\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"referer\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_source\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_medium\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_campaign\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_content\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_term\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gci\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gsi\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"ghi\" \/>\n<\/div>\n\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\t\n\t\t\t\t\t\t\t\t\t<p class=\"mb-3 feedback-section-desc text-center\">Or text us via Messenger<\/p>\n\t\t\t\t\t\t\t\t<div class=\"d-flex flex-wrap align-items-center justify-content-center feedback-social-buttons animation animation_fade\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/wa.me\/message\/YA3C7LUSPBYIH1\" target=\"_blank\" class=\"mx-2\" rel="nofollow"><img decoding=\"async\" alt=\"Cobit Solutions - Viber\" width=\"181\" height=\"50\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/whatsapp-btn-v2.png\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 181px; --smush-placeholder-aspect-ratio: 181\/50;\"><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/m.me\/cobitsolutions\" target=\"_blank\" class=\"mx-2\" rel="nofollow"><img decoding=\"async\" alt=\"Cobit Solutions - Messenger\" width=\"181\" height=\"50\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/facebook-btn.png\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 181px; --smush-placeholder-aspect-ratio: 181\/50;\"><\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<img decoding=\"async\" alt=\"Cobit Solutions - Download\" width=\"77\" height=\"84\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/feedback-rubin.png\" class=\"feedback-rubin rubin animation animation_rubin lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 77px; --smush-placeholder-aspect-ratio: 77\/84;\">\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7cfd978 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7cfd978\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ae7d3b5\" data-id=\"ae7d3b5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-713739c elementor-view-framed elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"713739c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-lock\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tINCOME PROTECTION\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30355d9 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"30355d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does analytics protect <span style=\"color:#7CC3FD\">bank capital<\/span>?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7cb44a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d7cb44a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400\">The owner&#8217;s next question: <\/span><b><span style=\"color: #ff9900\">Where can we lose money? <\/span><\/b><span style=\"font-weight: 400\">Here, analytics works on several levels at once. It helps evaluate borrowers, monitor the loan portfolio, detect fraud, and model capital loads.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6d59b29 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d59b29\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2739e3d\" data-id=\"2739e3d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-00fe186 elementor-view-framed elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"00fe186\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-tachometer-alt\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288 32C128.94 32 0 160.94 0 320c0 52.8 14.25 102.26 39.06 144.8 5.61 9.62 16.3 15.2 27.44 15.2h443c11.14 0 21.83-5.58 27.44-15.2C561.75 422.26 576 372.8 576 320c0-159.06-128.94-288-288-288zm0 64c14.71 0 26.58 10.13 30.32 23.65-1.11 2.26-2.64 4.23-3.45 6.67l-9.22 27.67c-5.13 3.49-10.97 6.01-17.64 6.01-17.67 0-32-14.33-32-32S270.33 96 288 96zM96 384c-17.67 0-32-14.33-32-32s14.33-32 32-32 32 14.33 32 32-14.33 32-32 32zm48-160c-17.67 0-32-14.33-32-32s14.33-32 32-32 32 14.33 32 32-14.33 32-32 32zm246.77-72.41l-61.33 184C343.13 347.33 352 364.54 352 384c0 11.72-3.38 22.55-8.88 32H232.88c-5.5-9.45-8.88-20.28-8.88-32 0-33.94 26.5-61.43 59.9-63.59l61.34-184.01c4.17-12.56 17.73-19.45 30.36-15.17 12.57 4.19 19.35 17.79 15.17 30.36zm14.66 57.2l15.52-46.55c3.47-1.29 7.13-2.23 11.05-2.23 17.67 0 32 14.33 32 32s-14.33 32-32 32c-11.38-.01-20.89-6.28-26.57-15.22zM480 384c-17.67 0-32-14.33-32-32s14.33-32 32-32 32 14.33 32 32-14.33 32-32 32z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t<span style=\"display:inline-block;padding:6px 12px;margin-bottom:8px;border-radius:7px;background:#e2edff;color:#0750ca;font-size:16px;font-weight:700;line-height:1.2;letter-spacing:0\">04<\/span><br>Next-generation credit scoring\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed68221 elementor-widget elementor-widget-text-editor\" data-id=\"ed68221\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Two clients may have similar credit ratings and completely different levels of risk. For a more accurate assessment, the bank can use predictive analytics built on machine learning models. Such models take into account cash flow, transaction behavior, business characteristics, and other available factors.<\/span><\/p><p><span style=\"font-weight: 400\">Based on this data, it is possible to more accurately assess the probability of loan default. The results of the analysis help when making a decision, determining the limit and rate, and further monitoring the borrower. <\/span><\/p><p><span style=\"font-weight: 400\">In our experience, using ML models helps <\/span><b>reduce the risk of problem loans by 15\u201320%.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f72b5c elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"9f72b5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-chart-bar\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<b>15-20 %<\/b> lower risk of problem loans\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e4e6c31\" data-id=\"e4e6c31\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28ed0ad elementor-view-framed elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"28ed0ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-exclamation-triangle\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M569.517 440.013C587.975 472.007 564.806 512 527.94 512H48.054c-36.937 0-59.999-40.055-41.577-71.987L246.423 23.985c18.467-32.009 64.72-31.951 83.154 0l239.94 416.028zM288 354c-25.405 0-46 20.595-46 46s20.595 46 46 46 46-20.595 46-46-20.595-46-46-46zm-43.673-165.346l7.418 136c.347 6.364 5.609 11.346 11.982 11.346h48.546c6.373 0 11.635-4.982 11.982-11.346l7.418-136c.375-6.874-5.098-12.654-11.982-12.654h-63.383c-6.884 0-12.356 5.78-11.981 12.654z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t<span style=\"display:inline-block;padding:6px 12px;margin-bottom:8px;border-radius:7px;background:#e2edff;color:#0750ca;font-size:16px;font-weight:700;line-height:1.2;letter-spacing:0\">05<\/span><br>Early detection of problem loans\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5e7c1b elementor-widget elementor-widget-text-editor\" data-id=\"c5e7c1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">The loan has been granted. What happens to the risk next? After all, the borrower&#8217;s financial condition can change. A drop in turnover, a decrease in revenues, an increase in debt burden, and a change in payment behavior can indicate a future problem. <\/span><\/p><p><span style=\"font-weight: 400\">The early warning system based on predictive analytics collects such signals and forms a list of clients that need attention.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">So the risk team gets the opportunity to work with them earlier and set priorities correctly. <\/span><\/p><p><span style=\"font-weight: 400\">In<\/span><span style=\"color: #00ffff\"><a style=\"color: #00ffff\" href=\"https:\/\/doi.org\/10.1016\/J.Dajour.2025.100605\" rel="nofollow"> <span style=\"font-weight: 400\">World Bank 2025 study<\/span><\/a><\/span><span style=\"font-weight: 400\"><span style=\"color: #00ffff\">,<\/span> ML helped prevent<\/span><b> 67.6% of incidents that could have led to financial losses<\/b><span style=\"font-weight: 400\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1780df elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"c1780df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-life-ring\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 504c136.967 0 248-111.033 248-248S392.967 8 256 8 8 119.033 8 256s111.033 248 248 248zm-103.398-76.72l53.411-53.411c31.806 13.506 68.128 13.522 99.974 0l53.411 53.411c-63.217 38.319-143.579 38.319-206.796 0zM336 256c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80zm91.28 103.398l-53.411-53.411c13.505-31.806 13.522-68.128 0-99.974l53.411-53.411c38.319 63.217 38.319 143.579 0 206.796zM359.397 84.72l-53.411 53.411c-31.806-13.505-68.128-13.522-99.973 0L152.602 84.72c63.217-38.319 143.579-38.319 206.795 0zM84.72 152.602l53.411 53.411c-13.506 31.806-13.522 68.128 0 99.974L84.72 359.398c-38.319-63.217-38.319-143.579 0-206.796z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<b>67.6%<\/b> of financial losses were prevented\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-97e63cb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"97e63cb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-cd93b8c\" data-id=\"cd93b8c\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d2059a elementor-view-framed elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"8d2059a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-brain\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M208 0c-29.9 0-54.7 20.5-61.8 48.2-.8 0-1.4-.2-2.2-.2-35.3 0-64 28.7-64 64 0 4.8.6 9.5 1.7 14C52.5 138 32 166.6 32 200c0 12.6 3.2 24.3 8.3 34.9C16.3 248.7 0 274.3 0 304c0 33.3 20.4 61.9 49.4 73.9-.9 4.6-1.4 9.3-1.4 14.1 0 39.8 32.2 72 72 72 4.1 0 8.1-.5 12-1.2 9.6 28.5 36.2 49.2 68 49.2 39.8 0 72-32.2 72-72V64c0-35.3-28.7-64-64-64zm368 304c0-29.7-16.3-55.3-40.3-69.1 5.2-10.6 8.3-22.3 8.3-34.9 0-33.4-20.5-62-49.7-74 1-4.5 1.7-9.2 1.7-14 0-35.3-28.7-64-64-64-.8 0-1.5.2-2.2.2C422.7 20.5 397.9 0 368 0c-35.3 0-64 28.6-64 64v376c0 39.8 32.2 72 72 72 31.8 0 58.4-20.7 68-49.2 3.9.7 7.9 1.2 12 1.2 39.8 0 72-32.2 72-72 0-4.8-.5-9.5-1.4-14.1 29-12 49.4-40.6 49.4-73.9z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t<span style=\"display:inline-block;padding:6px 12px;margin-bottom:8px;border-radius:7px;background:#e2edff;color:#0750ca;font-size:16px;font-weight:700;line-height:1.2;letter-spacing:0\">06<\/span><br> Intelligent Antifraud and AML\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-204ef1e elementor-widget elementor-widget-text-editor\" data-id=\"204ef1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">One suspicious transaction may not show anything. But what if you look at the entire chain?\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Machine learning and network analysis help find connections between accounts, payments, and participants that remain invisible when checking individual transactions.<\/span><\/p><p><span style=\"font-weight: 400\">A case in point is the international project<\/span><a href=\"https:\/\/www.bis.org\/project\/aurora?utm_source=chatgpt.com\" rel="nofollow"> <span style=\"font-weight: 400\"><span style=\"color: #00ffff\">Aurora<\/span><\/span><\/a><span style=\"font-weight: 400\"> of the Bank for International Settlements. <\/span><\/p><p><span style=\"font-weight: 400\">During testing, the combination of machine learning, network analysis, and data protection technologies allowed detecting<\/span><b>up to three times more complex money laundering schemes<\/b><span style=\"font-weight: 400\">. <\/span><\/p><p><span style=\"font-weight: 400\">The number of false positives was reduced by 80%.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e4647d elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"3e4647d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chalkboard-teacher\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M208 352c-2.39 0-4.78.35-7.06 1.09C187.98 357.3 174.35 360 160 360c-14.35 0-27.98-2.7-40.95-6.91-2.28-.74-4.66-1.09-7.05-1.09C49.94 352-.33 402.48 0 464.62.14 490.88 21.73 512 48 512h224c26.27 0 47.86-21.12 48-47.38.33-62.14-49.94-112.62-112-112.62zm-48-32c53.02 0 96-42.98 96-96s-42.98-96-96-96-96 42.98-96 96 42.98 96 96 96zM592 0H208c-26.47 0-48 22.25-48 49.59V96c23.42 0 45.1 6.78 64 17.8V64h352v288h-64v-64H384v64h-76.24c19.1 16.69 33.12 38.73 39.69 64H592c26.47 0 48-22.25 48-49.59V49.59C640 22.25 618.47 0 592 0z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<b>up to 3\u00d7<\/b> more complex AML schemes \u00b7 <b>80%<\/b> fewer false positives\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b07d9f5\" data-id=\"b07d9f5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-25a76c1 elementor-view-framed elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"25a76c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bars\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M16 132h416c8.837 0 16-7.163 16-16V76c0-8.837-7.163-16-16-16H16C7.163 60 0 67.163 0 76v40c0 8.837 7.163 16 16 16zm0 160h416c8.837 0 16-7.163 16-16v-40c0-8.837-7.163-16-16-16H16c-8.837 0-16 7.163-16 16v40c0 8.837 7.163 16 16 16zm0 160h416c8.837 0 16-7.163 16-16v-40c0-8.837-7.163-16-16-16H16c-8.837 0-16 7.163-16 16v40c0 8.837 7.163 16 16 16z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t<span style=\"display:inline-block;padding:6px 12px;margin-bottom:8px;border-radius:7px;background:#e2edff;color:#0750ca;font-size:16px;font-weight:700;line-height:1.2;letter-spacing:0\">07<\/span><br>Stress Testing and Capital Planning\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb06117 elementor-widget elementor-widget-text-editor\" data-id=\"fb06117\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">What will happen to a bank&#8217;s portfolio during a deep recession? Scenario modeling helps answer this question. A bank can estimate potential losses, revenues, expenses, and capital levels under different economic conditions.<\/span><\/p><p><span style=\"font-weight: 400\">In 2026, the <a href=\"https:\/\/www.federalreserve.gov\/newsevents\/pressreleases\/bcreg20260624a.htm?utm_source=chatgpt.com\" rel="nofollow"><span style=\"color: #00ffff\">Federal Reserve<\/span><\/a>\u00a0examined 32 large banks, including Bank of America, JPMorgan Chase, Citigroup, Goldman Sachs, Capital One, and Wells Fargo.<\/span><\/p><p><span style=\"font-weight: 400\">Under a deep global recession scenario, cumulative losses could exceed $708 billion, and the Tier 1 capital ratio would decline by 1.6 percentage points.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">At the same time, all 32 banks maintained capital above minimum regulatory requirements and were able to continue lending.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d03ab24 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"d03ab24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-coins\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 405.3V448c0 35.3 86 64 192 64s192-28.7 192-64v-42.7C342.7 434.4 267.2 448 192 448S41.3 434.4 0 405.3zM320 128c106 0 192-28.7 192-64S426 0 320 0 128 28.7 128 64s86 64 192 64zM0 300.4V352c0 35.3 86 64 192 64s192-28.7 192-64v-51.6c-41.3 34-116.9 51.6-192 51.6S41.3 334.4 0 300.4zm416 11c57.3-11.1 96-31.7 96-55.4v-42.7c-23.2 16.4-57.3 27.6-96 34.5v63.6zM192 160C86 160 0 195.8 0 240s86 80 192 80 192-35.8 192-80-86-80-192-80zm219.3 56.3c60-10.8 100.7-32 100.7-56.3v-42.7c-35.5 25.1-96.5 38.6-160.7 41.8 29.5 14.3 51.2 33.5 60 57.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<b>$708 billion<\/b> of potential losses identified for just part of 2026\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ca5e84 elementor-widget elementor-widget-text-editor\" data-id=\"9ca5e84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In addition to regulatory reviews, banks can conduct their own internal stress tests for specific risks and management tasks. For example, they can simulate a sharp increase in delinquencies, a change in interest rates, or a deterioration in the situation in a particular credit segment. Such calculations help to assess the capital buffer in advance, adjust credit policy, and prepare for possible changes in the market.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3170b23 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3170b23\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1fe5d2b\" data-id=\"1fe5d2b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1234f29 elementor-widget elementor-widget-services_feedback\" data-id=\"1234f29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"services_feedback.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section class=\"feedback-section py-4 py-xl-5\"> \n\t\t\t<div class=\"container py-4\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"section-title text-center mb-2 text-white\">Where could your financial institution be losing money due to data?<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-4 feedback-section-desc text-center\">We offer a 30-minute consultation to identify the most promising scenarios for your income growth.<\/p>\n\t\t\t\t\t\t\t\t<div class=\"feedback_form pt-3\" onsubmit=\"window.lintrk('track', { conversion_id: 2049209 });\">\n\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f29435-o2\" lang=\"uk\" dir=\"ltr\" data-wpcf7-id=\"29435\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/posts\/41784#wpcf7-f29435-o2\" method=\"post\" class=\"wpcf7-form init cf7mls-no-scroll cf7mls-auto-return-first-step cf7mls-no-moving-animation\" aria-label=\"\u041a\u043e\u043d\u0442\u0430\u043a\u0442\u043d\u0430 \u0444\u043e\u0440\u043c\u0430\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"29435\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"uk\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f29435-o2\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"lang\" value=\"en\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"row align-items-center\">\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap mb-4\"><span class=\"wpcf7-form-control-wrap\" data-name=\"fio\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"fio\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap mb-4\"><span class=\"wpcf7-form-control-wrap\" data-name=\"short-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel form-control cp-input-phone\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"short-phone\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap mb-4\"><span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control only_corporate_email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Corporate E-Mail\" value=\"\" type=\"email\" name=\"email\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap submit-wrap mb-4\"><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-success py-2 px-3 w-100\" type=\"submit\" value=\"Get a free consultation\" \/><\/div>\n<\/div>\n\n<div style=\"display: none;\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"hp_form_field\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text hp-field-checking\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"hp_form_field\" \/><\/span>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"full_phone_country\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"full_phone\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/posts\/41784\/\" type=\"hidden\" name=\"url\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/posts\/41784\/\" type=\"hidden\" name=\"deal_lead_form_url\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"referer\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_source\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_medium\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_campaign\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_content\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_term\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gci\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gsi\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"ghi\" \/>\n<\/div>\n\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\t\n\t\t\t\t\t\t\t\t\t<p class=\"mb-3 feedback-section-desc text-center\">Or text us via Messenger<\/p>\n\t\t\t\t\t\t\t\t<div class=\"d-flex flex-wrap align-items-center justify-content-center feedback-social-buttons animation animation_fade\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/wa.me\/message\/YA3C7LUSPBYIH1\" target=\"_blank\" class=\"mx-2\" rel="nofollow"><img decoding=\"async\" alt=\"Cobit Solutions - Viber\" width=\"181\" height=\"50\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/whatsapp-btn-v2.png\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 181px; --smush-placeholder-aspect-ratio: 181\/50;\"><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/m.me\/cobitsolutions\" target=\"_blank\" class=\"mx-2\" rel="nofollow"><img decoding=\"async\" alt=\"Cobit Solutions - Messenger\" width=\"181\" height=\"50\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/facebook-btn.png\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 181px; --smush-placeholder-aspect-ratio: 181\/50;\"><\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<img decoding=\"async\" alt=\"Cobit Solutions - Download\" width=\"77\" height=\"84\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/feedback-rubin.png\" class=\"feedback-rubin rubin animation animation_rubin lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 77px; --smush-placeholder-aspect-ratio: 77\/84;\">\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-128e631 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"128e631\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d9d3b3\" data-id=\"4d9d3b3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a2f63ad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2f63ad\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-04dfdd0\" data-id=\"04dfdd0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fc84de7 elementor-widget elementor-widget-image\" data-id=\"fc84de7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-src=\"https:\/\/cobit-solutions.com\/ua\/wp-content\/uploads\/sites\/4\/2026\/09\/bank-analytics.png\" title=\"\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7c17cf4\" data-id=\"7c17cf4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-be198c6 elementor-view-framed elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"be198c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"66\" height=\"63\" viewBox=\"0 0 66 63\" fill=\"none\"><path d=\"M45.9932 0C46.6493 0.000299308 47.1825 0.532259 47.1826 1.18848V7.13281L47.1758 7.25391C47.119 7.81316 46.6744 8.2583 46.1152 8.31543L45.9932 8.32129H44.5039V11.3125C56.2202 13.8993 65.0137 24.3658 65.0137 36.8496C65.0135 51.2702 53.2802 62.9996 38.8613 63C28.7207 62.9999 19.9089 57.1982 15.5723 48.7393H17.5527C21.7326 56.202 29.7168 61.2587 38.8613 61.2588C52.3196 61.2584 63.2684 50.3079 63.2686 36.8496C63.2686 23.3912 52.3197 12.4408 38.8613 12.4404C29.2376 12.4405 20.8993 18.0408 16.9277 26.1523H14.999C18.5085 18.3555 25.7303 12.5764 34.3994 11.0801V8.32129H32.917L32.7959 8.31543C32.2364 8.25858 31.7912 7.81339 31.7344 7.25391L31.7285 7.13281V1.18848C31.7287 0.532262 32.2608 0.000303798 32.917 0H45.9932ZM44.5664 49.8965C46.0161 49.8413 47.0703 50.894 47.0703 52.3438V53.9043C47.0703 55.3687 45.9688 56.5184 44.5664 56.4209H33.1494C31.7454 56.5184 30.6465 55.3687 30.6465 53.9043V52.3438C30.6465 50.894 31.6998 49.8413 33.1494 49.8965H44.5664ZM33.1494 51.5283C32.667 51.5839 32.3916 51.8616 32.3916 53.2295V54.79C32.3916 54.3221 32.6278 54.7754 33.1494 54.8311H44.5664C45.0863 54.7754 45.3252 54.3233 45.3252 53.9043V52.3438C45.3252 51.8612 45.0488 51.5839 44.5664 51.5283H33.1494ZM27.4404 45.7334C27.5585 45.7334 27.6761 45.7567 27.7852 45.8018C27.8942 45.8469 27.9946 45.9127 28.0781 45.9961C28.1617 46.0797 28.2281 46.1799 28.2734 46.2891C28.3187 46.3983 28.3427 46.5155 28.3428 46.6338C28.3428 46.752 28.3195 46.8693 28.2744 46.9785C28.2292 47.0878 28.1626 47.1878 28.0791 47.2715L25.6328 49.7178C25.5493 49.8014 25.449 49.8678 25.3398 49.9131C25.2308 49.9582 25.1131 49.9823 24.9951 49.9824C24.8771 49.9824 24.7595 49.9581 24.6504 49.9131C24.5415 49.868 24.4419 49.802 24.3584 49.7188C24.2748 49.6352 24.2074 49.535 24.1621 49.4258C24.1169 49.3166 24.0938 49.1992 24.0938 49.0811C24.0937 48.9628 24.1169 48.8456 24.1621 48.7363C24.2073 48.6271 24.2739 48.527 24.3574 48.4434L26.8037 45.9971C26.8872 45.9136 26.9867 45.847 27.0957 45.8018C27.2047 45.7566 27.3224 45.7335 27.4404 45.7334ZM51.0908 44.918C51.3293 44.9181 51.5588 45.0131 51.7275 45.1816L54.1758 47.6279C54.2596 47.7112 54.3266 47.8109 54.3721 47.9199C54.4176 48.0292 54.4414 48.1473 54.4414 48.2656C54.4413 48.3838 54.4175 48.5012 54.3721 48.6104C54.3266 48.7194 54.2597 48.8191 54.1758 48.9023C54.0926 48.9864 53.9929 49.053 53.8838 49.0986C53.7745 49.1442 53.6565 49.1679 53.5381 49.168C53.4198 49.1679 53.3016 49.1442 53.1924 49.0986C53.0833 49.053 52.9836 48.9864 52.9004 48.9023L50.4541 46.4561C50.2853 46.2872 50.1904 46.0572 50.1904 45.8184C50.1905 45.5797 50.2854 45.3504 50.4541 45.1816C50.6229 45.013 50.8523 44.9181 51.0908 44.918ZM20.8691 44.7949C21.3614 44.795 21.7605 45.1943 21.7607 45.6865C21.7607 46.1789 21.3615 46.5781 20.8691 46.5781H7.31543C6.82303 46.5781 6.42383 46.1789 6.42383 45.6865C6.42404 45.1943 6.82316 44.7949 7.31543 44.7949H20.8691ZM14.4395 40.8115C14.9317 40.8116 15.3309 41.2109 15.3311 41.7031C15.3309 42.1954 14.9317 42.5947 14.4395 42.5947H10.873C10.3807 42.5947 9.9816 42.1954 9.98145 41.7031C9.98165 41.2109 10.3808 40.8115 10.873 40.8115H14.4395ZM46.1973 28.6377C46.4282 28.6378 46.6501 28.7303 46.8135 28.8936C46.9768 29.057 47.0693 29.2787 47.0693 29.5098C47.0693 29.7409 46.9768 29.9635 46.8135 30.127L42.4873 34.4531C43.0383 35.2897 43.2836 36.2914 43.1826 37.2881C43.0816 38.2845 42.64 39.2158 41.9326 39.9248C41.1125 40.7465 40.0193 41.199 38.8584 41.1992C37.9991 41.1974 37.1583 40.941 36.4443 40.4629C35.7304 39.9846 35.1735 39.3048 34.8447 38.5107C34.5161 37.7167 34.4297 36.8429 34.5967 36C34.7637 35.1571 35.1767 34.3822 35.7832 33.7734C37.2151 32.3401 39.5774 32.1575 41.249 33.2256L45.5811 28.8936C45.7445 28.7303 45.9663 28.6378 46.1973 28.6377ZM38.8584 34.6748C38.278 34.6749 37.7306 34.9017 37.3213 35.3125C36.9143 35.7203 36.6857 36.2734 36.6855 36.8496C36.6855 37.4259 36.9141 37.9798 37.3213 38.3877C38.1431 39.2092 39.5751 39.209 40.3955 38.3877C41.2433 37.5397 41.2433 36.1605 40.3955 35.3125C39.9848 34.9021 39.4384 34.675 38.8584 34.6748ZM20.5088 36.4961C21.001 36.4962 21.4001 36.8956 21.4004 37.3877C21.4004 37.88 21.0011 38.2792 20.5088 38.2793H0.891602C0.399206 38.2793 0 37.8801 0 37.3877C0.000244245 36.8955 0.399357 36.4961 0.891602 36.4961H20.5088ZM59.2451 35.1318C59.3631 35.1319 59.4808 35.1551 59.5898 35.2002C59.6991 35.2455 59.7992 35.3129 59.8828 35.3965C59.9663 35.4801 60.0329 35.5794 60.0781 35.6885C60.1234 35.7979 60.1465 35.9158 60.1465 36.0342C60.1464 36.1524 60.1234 36.2696 60.0781 36.3789C60.0328 36.4882 59.9664 36.5882 59.8828 36.6719C59.7992 36.7554 59.699 36.8219 59.5898 36.8672C59.4807 36.9123 59.3632 36.9355 59.2451 36.9355H55.9834C55.4862 36.9354 55.0813 36.533 55.0811 36.0342C55.0811 35.7951 55.1767 35.5656 55.3457 35.3965C55.5148 35.2275 55.7444 35.1319 55.9834 35.1318H59.2451ZM14.4395 32.1807C14.9316 32.1807 15.3308 32.5801 15.3311 33.0723C15.3311 33.5646 14.9318 33.9638 14.4395 33.9639H10.873C10.3807 33.9639 9.98145 33.5647 9.98145 33.0723C9.98171 32.5801 10.3808 32.1807 10.873 32.1807H14.4395ZM20.8691 28.5293C21.3614 28.5293 21.7605 28.9287 21.7607 29.4209C21.7606 29.9132 21.3614 30.3125 20.8691 30.3125H7.31543C6.8231 30.3125 6.42393 29.9132 6.42383 29.4209C6.42403 28.9287 6.82316 28.5293 7.31543 28.5293H20.8691ZM24.1797 22.9004C24.2976 22.9004 24.4154 22.9237 24.5244 22.9688C24.6335 23.014 24.7339 23.0806 24.8174 23.1641L27.3857 25.7344C27.5118 25.8601 27.5978 26.0207 27.6328 26.1953C27.6677 26.3701 27.6503 26.5521 27.582 26.7168C27.5137 26.8814 27.3973 27.0222 27.249 27.1211C27.1008 27.2197 26.9261 27.2728 26.748 27.2725C26.63 27.2722 26.5123 27.2486 26.4033 27.2031C26.2945 27.1576 26.1954 27.0906 26.1123 27.0068L23.543 24.4375C23.4596 24.354 23.3929 24.2546 23.3477 24.1455C23.3024 24.0363 23.2793 23.919 23.2793 23.8008C23.2793 23.6826 23.3024 23.5653 23.3477 23.4561C23.3929 23.347 23.4595 23.2476 23.543 23.1641C23.6265 23.0806 23.7269 23.014 23.8359 22.9688C23.9448 22.9238 24.0619 22.9005 24.1797 22.9004ZM52.7217 22.0859C52.8397 22.086 52.9573 22.1101 53.0664 22.1553C53.1753 22.2004 53.275 22.2663 53.3584 22.3496C53.4419 22.4332 53.5085 22.5334 53.5537 22.6426C53.5989 22.7518 53.623 22.8691 53.623 22.9873C53.623 23.1054 53.5989 23.2229 53.5537 23.332C53.5085 23.441 53.4418 23.5406 53.3584 23.624L50.792 26.1924C50.7085 26.276 50.6081 26.3424 50.499 26.3877C50.39 26.4329 50.2723 26.4569 50.1543 26.457C50.0363 26.457 49.9187 26.4337 49.8096 26.3887C49.7005 26.3435 49.6012 26.2767 49.5176 26.1934C49.434 26.1098 49.3666 26.0105 49.3213 25.9014C49.276 25.7922 49.2531 25.6748 49.2529 25.5566C49.2529 25.4383 49.2761 25.3203 49.3213 25.2109C49.3665 25.1018 49.4332 25.0025 49.5166 24.9189L52.085 22.3496C52.1683 22.2663 52.2681 22.2005 52.377 22.1553C52.486 22.1102 52.6037 22.086 52.7217 22.0859ZM39.6738 15.5605C39.9127 15.5608 40.1426 15.6554 40.3115 15.8242C40.4804 15.9933 40.5751 16.2229 40.5752 16.4619V19.7246C40.5751 19.9636 40.4804 20.1933 40.3115 20.3623C40.1426 20.5312 39.9127 20.6258 39.6738 20.626C39.1767 20.6258 38.7717 20.2234 38.7715 19.7246V16.4619C38.7716 16.2229 38.8672 15.9933 39.0361 15.8242C39.2052 15.6555 39.435 15.5606 39.6738 15.5605ZM36.1826 10.835C37.0632 10.745 37.9575 10.6983 38.8613 10.6982C40.172 10.6983 41.4612 10.7963 42.7207 10.9834V8.32129H36.1826V10.835ZM33.5117 6.53809H45.3994V1.7832H33.5117V6.53809Z\" fill=\"#095CA2\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tOPERATIONAL EFFICIENCY\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6d7b7e elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"e6d7b7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to reduce <span style=\"color:#0158C6\">bank operating costs<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82a1883 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"82a1883\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Now let&#8217;s move on to Cost-to-Income. <strong>Where does the bank spend money every day?<\/strong> Cash, collection, employee labor, maintenance of a large network of equipment. <\/span><\/p><p><span style=\"font-weight: 400\">On the scale of a large financial institution, even a few percent savings turn into significant amounts.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b303778 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b303778\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4553bcb\" data-id=\"4553bcb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e5c9c2 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"4e5c9c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-money-bill-alt\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M320 144c-53.02 0-96 50.14-96 112 0 61.85 42.98 112 96 112 53 0 96-50.13 96-112 0-61.86-42.98-112-96-112zm40 168c0 4.42-3.58 8-8 8h-64c-4.42 0-8-3.58-8-8v-16c0-4.42 3.58-8 8-8h16v-55.44l-.47.31a7.992 7.992 0 0 1-11.09-2.22l-8.88-13.31a7.992 7.992 0 0 1 2.22-11.09l15.33-10.22a23.99 23.99 0 0 1 13.31-4.03H328c4.42 0 8 3.58 8 8v88h16c4.42 0 8 3.58 8 8v16zM608 64H32C14.33 64 0 78.33 0 96v320c0 17.67 14.33 32 32 32h576c17.67 0 32-14.33 32-32V96c0-17.67-14.33-32-32-32zm-16 272c-35.35 0-64 28.65-64 64H112c0-35.35-28.65-64-64-64V176c35.35 0 64-28.65 64-64h416c0 35.35 28.65 64 64 64v160z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tCash flow optimization\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6b9acff\" data-id=\"6b9acff\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f187f5a elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-widget__width-initial elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"f187f5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-robot\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M32,224H64V416H32A31.96166,31.96166,0,0,1,0,384V256A31.96166,31.96166,0,0,1,32,224Zm512-48V448a64.06328,64.06328,0,0,1-64,64H160a64.06328,64.06328,0,0,1-64-64V176a79.974,79.974,0,0,1,80-80H288V32a32,32,0,0,1,64,0V96H464A79.974,79.974,0,0,1,544,176ZM264,256a40,40,0,1,0-40,40A39.997,39.997,0,0,0,264,256Zm-8,128H192v32h64Zm96,0H288v32h64ZM456,256a40,40,0,1,0-40,40A39.997,39.997,0,0,0,456,256Zm-8,128H384v32h64ZM640,256V384a31.96166,31.96166,0,0,1-32,32H576V224h32A31.96166,31.96166,0,0,1,640,256Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tGenerative AI as an assistant\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-69d2a3a\" data-id=\"69d2a3a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e831bc elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget__width-initial elementor-widget elementor-widget-icon-box\" data-id=\"8e831bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-search\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 442.7L405.3 343c-4.5-4.5-10.6-7-17-7H372c27.6-35.3 44-79.7 44-128C416 93.1 322.9 0 208 0S0 93.1 0 208s93.1 208 208 208c48.3 0 92.7-16.4 128-44v16.3c0 6.4 2.5 12.5 7 17l99.7 99.7c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.6.1-34zM208 336c-70.7 0-128-57.2-128-128 0-70.7 57.2-128 128-128 70.7 0 128 57.2 128 128 0 70.7-57.2 128-128 128z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPredicting ATM failures\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-efbf4a0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"efbf4a0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8135de2\" data-id=\"8135de2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8ee707e elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"8ee707e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-hand-holding-usd\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M271.06,144.3l54.27,14.3a8.59,8.59,0,0,1,6.63,8.1c0,4.6-4.09,8.4-9.12,8.4h-35.6a30,30,0,0,1-11.19-2.2c-5.24-2.2-11.28-1.7-15.3,2l-19,17.5a11.68,11.68,0,0,0-2.25,2.66,11.42,11.42,0,0,0,3.88,15.74,83.77,83.77,0,0,0,34.51,11.5V240c0,8.8,7.83,16,17.37,16h17.37c9.55,0,17.38-7.2,17.38-16V222.4c32.93-3.6,57.84-31,53.5-63-3.15-23-22.46-41.3-46.56-47.7L282.68,97.4a8.59,8.59,0,0,1-6.63-8.1c0-4.6,4.09-8.4,9.12-8.4h35.6A30,30,0,0,1,332,83.1c5.23,2.2,11.28,1.7,15.3-2l19-17.5A11.31,11.31,0,0,0,368.47,61a11.43,11.43,0,0,0-3.84-15.78,83.82,83.82,0,0,0-34.52-11.5V16c0-8.8-7.82-16-17.37-16H295.37C285.82,0,278,7.2,278,16V33.6c-32.89,3.6-57.85,31-53.51,63C227.63,119.6,247,137.9,271.06,144.3ZM565.27,328.1c-11.8-10.7-30.2-10-42.6,0L430.27,402a63.64,63.64,0,0,1-40,14H272a16,16,0,0,1,0-32h78.29c15.9,0,30.71-10.9,33.25-26.6a31.2,31.2,0,0,0,.46-5.46A32,32,0,0,0,352,320H192a117.66,117.66,0,0,0-74.1,26.29L71.4,384H16A16,16,0,0,0,0,400v96a16,16,0,0,0,16,16H372.77a64,64,0,0,0,40-14L564,377a32,32,0,0,0,1.28-48.9Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t<span style=\"display:inline-block;padding:6px 12px;margin-bottom:8px;border-radius:7px;background:#e2edff;color:#0750ca;font-size:16px;font-weight:700;line-height:1.2;letter-spacing:0\">08<\/span><br>Cash handling optimization\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-deb6793 elementor-widget elementor-widget-text-editor\" data-id=\"deb6793\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">How much cash does a particular ATM need tomorrow? The answer can be predicted. The model takes into account transaction history, day of the week, seasonality, holidays, location, and other factors. Based on the forecast, the bank plans ATM replenishment and collection routes.<\/span><\/p><p><span style=\"font-weight: 400\">Cobit Solutions estimates that cash handling can account for <\/span><b><\/b><b>5\u20139% of a bank&#8217;s total operating costs. <\/b><span style=\"font-weight: 400\">However, almost half of our clients used manual calculations to forecast branch and ATM needs.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60d6092 elementor-widget elementor-widget-html\" data-id=\"60d6092\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"cs-personal-stat\">\n  <span class=\"cs-personal-stat__value\">5\u20139 %<\/span>\n  <p class=\"cs-personal-stat__text\">\n    of the bank's operating expenses may be related to cash handling\n  <\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-26f3ce1\" data-id=\"26f3ce1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56400f3 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"56400f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-coins\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 405.3V448c0 35.3 86 64 192 64s192-28.7 192-64v-42.7C342.7 434.4 267.2 448 192 448S41.3 434.4 0 405.3zM320 128c106 0 192-28.7 192-64S426 0 320 0 128 28.7 128 64s86 64 192 64zM0 300.4V352c0 35.3 86 64 192 64s192-28.7 192-64v-51.6c-41.3 34-116.9 51.6-192 51.6S41.3 334.4 0 300.4zm416 11c57.3-11.1 96-31.7 96-55.4v-42.7c-23.2 16.4-57.3 27.6-96 34.5v63.6zM192 160C86 160 0 195.8 0 240s86 80 192 80 192-35.8 192-80-86-80-192-80zm219.3 56.3c60-10.8 100.7-32 100.7-56.3v-42.7c-35.5 25.1-96.5 38.6-160.7 41.8 29.5 14.3 51.2 33.5 60 57.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t<span style=\"display:inline-block;padding:6px 12px;margin-bottom:8px;border-radius:7px;background:#e2edff;color:#0750ca;font-size:16px;font-weight:700;line-height:1.2;letter-spacing:0\">09<\/span><br>AI assistant for bank employees\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59cf7f4 elementor-widget elementor-widget-text-editor\" data-id=\"59cf7f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">How much time does a bank employee spend searching for a document, internal policy, or necessary instruction?<\/span><\/p><p><span style=\"font-weight: 400\">A corporate AI assistant can find information, summarize documents, and help prepare for a meeting. Such solutions are already being used in real banking processes.<\/span><\/p><p><span style=\"font-weight: 400\">One \u200b\u200bof the most striking examples is <\/span><a href=\"https:\/\/newsroom.bankofamerica.com\/content\/newsroom\/press-releases\/2025\/04\/ai-adoption-by-bofa-s-global-workforce-improves-productivity--cl.html?utm_source=chatgpt.com\" rel="nofollow"><b>Bank of America<\/b><\/a><span style=\"font-weight: 400\">. Erica&#8217;s internal assistant is used by over 90% of bank employees, and the number of calls to IT support has decreased by more than 50%.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5274cd elementor-widget elementor-widget-html\" data-id=\"a5274cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"cs-personal-stat\">\n  <span class=\"cs-personal-stat__value\">90 %<\/span>\n  <p class=\"cs-personal-stat__text\">\n    employees use Erica, and the number of support requests has decreased by 50%\n  <\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e4faf47 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e4faf47\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9d5eacb\" data-id=\"9d5eacb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d359b8a elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"d359b8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-search-dollar\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505.04 442.66l-99.71-99.69c-4.5-4.5-10.6-7-17-7h-16.3c27.6-35.3 44-79.69 44-127.99C416.03 93.09 322.92 0 208.02 0S0 93.09 0 207.98s93.11 207.98 208.02 207.98c48.3 0 92.71-16.4 128.01-44v16.3c0 6.4 2.5 12.5 7 17l99.71 99.69c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.59.1-33.99zm-297.02-90.7c-79.54 0-144-64.34-144-143.98 0-79.53 64.35-143.98 144-143.98 79.54 0 144 64.34 144 143.98 0 79.53-64.35 143.98-144 143.98zm27.11-152.54l-45.01-13.5c-5.16-1.55-8.77-6.78-8.77-12.73 0-7.27 5.3-13.19 11.8-13.19h28.11c4.56 0 8.96 1.29 12.82 3.72 3.24 2.03 7.36 1.91 10.13-.73l11.75-11.21c3.53-3.37 3.33-9.21-.57-12.14-9.1-6.83-20.08-10.77-31.37-11.35V112c0-4.42-3.58-8-8-8h-16c-4.42 0-8 3.58-8 8v16.12c-23.63.63-42.68 20.55-42.68 45.07 0 19.97 12.99 37.81 31.58 43.39l45.01 13.5c5.16 1.55 8.77 6.78 8.77 12.73 0 7.27-5.3 13.19-11.8 13.19h-28.1c-4.56 0-8.96-1.29-12.82-3.72-3.24-2.03-7.36-1.91-10.13.73l-11.75 11.21c-3.53 3.37-3.33 9.21.57 12.14 9.1 6.83 20.08 10.77 31.37 11.35V304c0 4.42 3.58 8 8 8h16c4.42 0 8-3.58 8-8v-16.12c23.63-.63 42.68-20.54 42.68-45.07 0-19.97-12.99-37.81-31.59-43.39z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t<span style=\"display:inline-block;padding:6px 12px;margin-bottom:8px;border-radius:7px;background:#e2edff;color:#0750ca;font-size:16px;font-weight:700;line-height:1.2;letter-spacing:0\">10<\/span><br>Predicting ATM Failures\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e7a5cd elementor-widget elementor-widget-text-editor\" data-id=\"7e7a5cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">ATM failures can also be predicted. The equipment constantly generates event logs, error messages, and technical indicators. Machine learning models analyze this data and find signs that may precede the failure of individual components.<\/span><\/p><p><span style=\"font-weight: 400\">This approach was used by<\/span><a href=\"https:\/\/www.retailbankerinternational.com\/features\/bnz-deploys-ncr-predictive-services-for-atm-network\/\" rel="nofollow"> <span style=\"font-weight: 400\">Bank of New Zealand<\/span><\/a><span style=\"font-weight: 400\">. The predictive maintenance system helped the bank reduce ATM downtime by a third, <strong>reduce errors by 65%<\/strong>, and maintenance costs by 30%.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7594882 e-grid e-con-full e-con e-parent\" data-id=\"7594882\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ead1487 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"ead1487\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"cs-personal-stat\">\n  <span class=\"cs-personal-stat__value\">1\/3<\/span>\n  <p class=\"cs-personal-stat__text\">\n  reducing ATM downtime\n  <\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2fa36f elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"b2fa36f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"cs-personal-stat\">\n  <span class=\"cs-personal-stat__value\">30 %<\/span>\n  <p class=\"cs-personal-stat__text\">\n  reducing maintenance costs\n  <\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1c6a637\" data-id=\"1c6a637\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fcef18 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"2fcef18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96.06 454.35c.01 6.29 1.87 12.45 5.36 17.69l17.09 25.69a31.99 31.99 0 0 0 26.64 14.28h61.71a31.99 31.99 0 0 0 26.64-14.28l17.09-25.69a31.989 31.989 0 0 0 5.36-17.69l.04-38.35H96.01l.05 38.35zM0 176c0 44.37 16.45 84.85 43.56 115.78 16.52 18.85 42.36 58.23 52.21 91.45.04.26.07.52.11.78h160.24c.04-.26.07-.51.11-.78 9.85-33.22 35.69-72.6 52.21-91.45C335.55 260.85 352 220.37 352 176 352 78.61 272.91-.3 175.45 0 73.44.31 0 82.97 0 176zm176-80c-44.11 0-80 35.89-80 80 0 8.84-7.16 16-16 16s-16-7.16-16-16c0-61.76 50.24-112 112-112 8.84 0 16 7.16 16 16s-7.16 16-16 16z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tKey findings\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWhere does the bank save money every day?\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4325734 e-grid e-con-full e-con e-parent\" data-id=\"4325734\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b095cf6 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-tablet-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"b095cf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-money-bill-wave\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M621.16 54.46C582.37 38.19 543.55 32 504.75 32c-123.17-.01-246.33 62.34-369.5 62.34-30.89 0-61.76-3.92-92.65-13.72-3.47-1.1-6.95-1.62-10.35-1.62C15.04 79 0 92.32 0 110.81v317.26c0 12.63 7.23 24.6 18.84 29.46C57.63 473.81 96.45 480 135.25 480c123.17 0 246.34-62.35 369.51-62.35 30.89 0 61.76 3.92 92.65 13.72 3.47 1.1 6.95 1.62 10.35 1.62 17.21 0 32.25-13.32 32.25-31.81V83.93c-.01-12.64-7.24-24.6-18.85-29.47zM48 132.22c20.12 5.04 41.12 7.57 62.72 8.93C104.84 170.54 79 192.69 48 192.69v-60.47zm0 285v-47.78c34.37 0 62.18 27.27 63.71 61.4-22.53-1.81-43.59-6.31-63.71-13.62zM320 352c-44.19 0-80-42.99-80-96 0-53.02 35.82-96 80-96s80 42.98 80 96c0 53.03-35.83 96-80 96zm272 27.78c-17.52-4.39-35.71-6.85-54.32-8.44 5.87-26.08 27.5-45.88 54.32-49.28v57.72zm0-236.11c-30.89-3.91-54.86-29.7-55.81-61.55 19.54 2.17 38.09 6.23 55.81 12.66v48.89z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCash and collection\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tmore accurate replenishment forecasts and better routes\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bd3616 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-widget__width-initial elementor-mobile-position-inline-start elementor-tablet-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2bd3616\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-users\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96 224c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm448 0c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm32 32h-64c-17.6 0-33.5 7.1-45.1 18.6 40.3 22.1 68.9 62 75.1 109.4h66c17.7 0 32-14.3 32-32v-32c0-35.3-28.7-64-64-64zm-256 0c61.9 0 112-50.1 112-112S381.9 32 320 32 208 82.1 208 144s50.1 112 112 112zm76.8 32h-8.3c-20.8 10-43.9 16-68.5 16s-47.6-6-68.5-16h-8.3C179.6 288 128 339.6 128 403.2V432c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48v-28.8c0-63.6-51.6-115.2-115.2-115.2zm-223.7-13.4C161.5 263.1 145.6 256 128 256H64c-35.3 0-64 28.7-64 64v32c0 17.7 14.3 32 32 32h65.9c6.3-47.4 34.9-87.3 75.2-109.4z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEmployee time\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tfaster access to documents and instructions\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4443c35 elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-widget__width-initial elementor-mobile-position-inline-start elementor-tablet-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4443c35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-laptop\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M624 416H381.54c-.74 19.81-14.71 32-32.74 32H288c-18.69 0-33.02-17.47-32.77-32H16c-8.8 0-16 7.2-16 16v16c0 35.2 28.8 64 64 64h512c35.2 0 64-28.8 64-64v-16c0-8.8-7.2-16-16-16zM576 48c0-26.4-21.6-48-48-48H112C85.6 0 64 21.6 64 48v336h512V48zm-64 272H128V64h384v256z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEquipment\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tthere are significantly fewer downtimes and emergency repairs\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6bad8a elementor-view-stacked elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-tablet-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e6bad8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-gem\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 0H112c-4 0-7.8 2-10 5.4L2 152.6c-2.9 4.4-2.6 10.2.7 14.2l276 340.8c4.8 5.9 13.8 5.9 18.6 0l276-340.8c3.3-4.1 3.6-9.8.7-14.2L474.1 5.4C471.8 2 468.1 0 464 0zm-19.3 48l63.3 96h-68.4l-51.7-96h56.8zm-202.1 0h90.7l51.7 96H191l51.6-96zm-111.3 0h56.8l-51.7 96H68l63.3-96zm-43 144h51.4L208 352 88.3 192zm102.9 0h193.6L288 435.3 191.2 192zM368 352l68.2-160h51.4L368 352z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProcesses\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tlower operating costs and stable service\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c31bc7f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c31bc7f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aaa4741\" data-id=\"aaa4741\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e398778 elementor-widget elementor-widget-services_feedback\" data-id=\"e398778\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"services_feedback.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section class=\"feedback-section py-4 py-xl-5\"> \n\t\t\t<div class=\"container py-4\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"section-title text-center mb-2 text-white\">What processes in your bank take up the most resources?<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-4 feedback-section-desc text-center\">Let's discuss in a short consultation where predictive analytics, automation, or AI can reduce costs and simplify daily work.<\/p>\n\t\t\t\t\t\t\t\t<div class=\"feedback_form pt-3\" onsubmit=\"window.lintrk('track', { conversion_id: 2049209 });\">\n\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f29435-o3\" lang=\"uk\" dir=\"ltr\" data-wpcf7-id=\"29435\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/posts\/41784#wpcf7-f29435-o3\" method=\"post\" class=\"wpcf7-form init cf7mls-no-scroll cf7mls-auto-return-first-step cf7mls-no-moving-animation\" aria-label=\"\u041a\u043e\u043d\u0442\u0430\u043a\u0442\u043d\u0430 \u0444\u043e\u0440\u043c\u0430\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"29435\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"uk\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f29435-o3\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"lang\" value=\"en\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"row align-items-center\">\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap mb-4\"><span class=\"wpcf7-form-control-wrap\" data-name=\"fio\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"fio\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap mb-4\"><span class=\"wpcf7-form-control-wrap\" data-name=\"short-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel form-control cp-input-phone\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"short-phone\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap mb-4\"><span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control only_corporate_email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Corporate E-Mail\" value=\"\" type=\"email\" name=\"email\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap submit-wrap mb-4\"><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-success py-2 px-3 w-100\" type=\"submit\" value=\"Get a free consultation\" \/><\/div>\n<\/div>\n\n<div style=\"display: none;\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"hp_form_field\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text hp-field-checking\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"hp_form_field\" \/><\/span>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"full_phone_country\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"full_phone\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/posts\/41784\/\" type=\"hidden\" name=\"url\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/posts\/41784\/\" type=\"hidden\" name=\"deal_lead_form_url\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"referer\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_source\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_medium\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_campaign\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_content\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_term\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gci\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gsi\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"ghi\" \/>\n<\/div>\n\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\t\n\t\t\t\t\t\t\t\t\t<p class=\"mb-3 feedback-section-desc text-center\">Or text us via Messenger<\/p>\n\t\t\t\t\t\t\t\t<div class=\"d-flex flex-wrap align-items-center justify-content-center feedback-social-buttons animation animation_fade\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/wa.me\/message\/YA3C7LUSPBYIH1\" target=\"_blank\" class=\"mx-2\" rel="nofollow"><img decoding=\"async\" alt=\"Cobit Solutions - Viber\" width=\"181\" height=\"50\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/whatsapp-btn-v2.png\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 181px; --smush-placeholder-aspect-ratio: 181\/50;\"><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/m.me\/cobitsolutions\" target=\"_blank\" class=\"mx-2\" rel="nofollow"><img decoding=\"async\" alt=\"Cobit Solutions - Messenger\" width=\"181\" height=\"50\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/facebook-btn.png\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 181px; --smush-placeholder-aspect-ratio: 181\/50;\"><\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<img decoding=\"async\" alt=\"Cobit Solutions - Download\" width=\"77\" height=\"84\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/feedback-rubin.png\" class=\"feedback-rubin rubin animation animation_rubin lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 77px; --smush-placeholder-aspect-ratio: 77\/84;\">\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4dafa00 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4dafa00\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-630262f\" data-id=\"630262f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16e1e60 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"16e1e60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why is a good script <span style=\"color:#7CC3FD\">not enough<\/span>?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-331875b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"331875b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Let\u2019s say a bank wants to launch personalization. Where does the data reside? Some of it is in CBS. Some is in CRM, card processing, mobile banking, and credit systems.<\/p><p>Metrics can have different formats, calculation rules, and update frequencies. Combining these sources creates the most complex part of an analytics project.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b48414 e-grid e-con-full e-con e-parent\" data-id=\"6b48414\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9ba1c0 elementor-view-framed elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e9ba1c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-database\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M448 73.143v45.714C448 159.143 347.667 192 224 192S0 159.143 0 118.857V73.143C0 32.857 100.333 0 224 0s224 32.857 224 73.143zM448 176v102.857C448 319.143 347.667 352 224 352S0 319.143 0 278.857V176c48.125 33.143 136.208 48.572 224 48.572S399.874 209.143 448 176zm0 160v102.857C448 479.143 347.667 512 224 512S0 479.143 0 438.857V336c48.125 33.143 136.208 48.572 224 48.572S399.874 369.143 448 336z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tData silos\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMost of the scenarios described require information from multiple systems at once. Therefore, the first task is to integrate the sources and create a common data environment.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-443165d elementor-view-framed elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"443165d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-edit\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M402.3 344.9l32-32c5-5 13.7-1.5 13.7 5.7V464c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V112c0-26.5 21.5-48 48-48h273.5c7.1 0 10.7 8.6 5.7 13.7l-32 32c-1.5 1.5-3.5 2.3-5.7 2.3H48v352h352V350.5c0-2.1.8-4.1 2.3-5.6zm156.6-201.8L296.3 405.7l-90.4 10c-26.2 2.9-48.5-19.2-45.6-45.6l10-90.4L432.9 17.1c22.9-22.9 59.9-22.9 82.7 0l43.2 43.2c22.9 22.9 22.9 60 .1 82.8zM460.1 174L402 115.9 216.2 301.8l-7.3 65.3 65.3-7.3L460.1 174zm64.8-79.7l-43.2-43.2c-4.1-4.1-10.8-4.1-14.8 0L436 82l58.1 58.1 30.9-30.9c4-4.2 4-10.8-.1-14.9z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tData<br> quality\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe model inherits the problems of the original data. Duplicates, omissions, different calculation rules, and errors directly affect the result.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fad8e8 elementor-view-framed elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7fad8e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-cubes\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M488.6 250.2L392 214V105.5c0-15-9.3-28.4-23.4-33.7l-100-37.5c-8.1-3.1-17.1-3.1-25.3 0l-100 37.5c-14.1 5.3-23.4 18.7-23.4 33.7V214l-96.6 36.2C9.3 255.5 0 268.9 0 283.9V394c0 13.6 7.7 26.1 19.9 32.2l100 50c10.1 5.1 22.1 5.1 32.2 0l103.9-52 103.9 52c10.1 5.1 22.1 5.1 32.2 0l100-50c12.2-6.1 19.9-18.6 19.9-32.2V283.9c0-15-9.3-28.4-23.4-33.7zM358 214.8l-85 31.9v-68.2l85-37v73.3zM154 104.1l102-38.2 102 38.2v.6l-102 41.4-102-41.4v-.6zm84 291.1l-85 42.5v-79.1l85-38.8v75.4zm0-112l-102 41.4-102-41.4v-.6l102-38.2 102 38.2v.6zm240 112l-85 42.5v-79.1l85-38.8v75.4zm0-112l-102 41.4-102-41.4v-.6l102-38.2 102 38.2v.6z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tOutdated architecture\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNew solutions often integrate with systems that have been operating for decades. The architecture must ensure stable data exchange and the ability to connect new scenarios.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8aa91a5 e-grid e-con-full e-con e-parent\" data-id=\"8aa91a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0333106 elementor-view-framed elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"0333106\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-times\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M589.6 240l45.6-45.6c6.3-6.3 6.3-16.5 0-22.8l-22.8-22.8c-6.3-6.3-16.5-6.3-22.8 0L544 194.4l-45.6-45.6c-6.3-6.3-16.5-6.3-22.8 0l-22.8 22.8c-6.3 6.3-6.3 16.5 0 22.8l45.6 45.6-45.6 45.6c-6.3 6.3-6.3 16.5 0 22.8l22.8 22.8c6.3 6.3 16.5 6.3 22.8 0l45.6-45.6 45.6 45.6c6.3 6.3 16.5 6.3 22.8 0l22.8-22.8c6.3-6.3 6.3-16.5 0-22.8L589.6 240zM224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLack of expertise\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tA full-fledged analytics system requires architects, data engineers, BI specialists, analysts, and machine learning specialists. The team must simultaneously understand the technology and the bank's business objectives.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97e0634 elementor-view-framed elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"97e0634\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-landmark\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M501.62 92.11L267.24 2.04a31.958 31.958 0 0 0-22.47 0L10.38 92.11A16.001 16.001 0 0 0 0 107.09V144c0 8.84 7.16 16 16 16h480c8.84 0 16-7.16 16-16v-36.91c0-6.67-4.14-12.64-10.38-14.98zM64 192v160H48c-8.84 0-16 7.16-16 16v48h448v-48c0-8.84-7.16-16-16-16h-16V192h-64v160h-96V192h-64v160h-96V192H64zm432 256H16c-8.84 0-16 7.16-16 16v32c0 8.84 7.16 16 16 16h480c8.84 0 16-7.16 16-16v-32c0-8.84-7.16-16-16-16z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSecurity and compliance\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAccess to banking data requires clear rules. Roles, logging, privacy, model control, and regulatory compliance are built into the project architecture.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7399361 elementor-widget elementor-widget-text-editor\" data-id=\"7399361\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As a result, a separate scenario turns into a system task.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b95088 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b95088\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-40f27cb\" data-id=\"40f27cb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1d4d312 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d4d312\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4877053\" data-id=\"4877053\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84ff58d elementor-view-framed elementor-shape-square elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"84ff58d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"65\" height=\"65\" viewBox=\"0 0 65 65\" fill=\"none\"><path d=\"M54.1742 25.8725L62.1392 27.1745C62.4546 27.2264 62.7412 27.3888 62.9479 27.6326C63.1546 27.8764 63.2679 28.1858 63.2676 28.5054V35.9165C63.2674 36.2336 63.1554 36.5405 62.9513 36.7832C62.7472 37.0259 62.464 37.1888 62.1516 37.2433L54.1742 38.6445C53.7141 40.2482 53.0817 41.7789 52.277 43.2366L56.9932 49.7838C57.1812 50.0437 57.2703 50.3621 57.2446 50.6818C57.2188 51.0016 57.0798 51.3016 56.8526 51.528L51.6116 56.7691C51.3877 56.9939 51.0916 57.1326 50.7756 57.1605C50.4595 57.1885 50.1437 57.1041 49.8838 56.9221L43.2705 52.2803C41.8061 53.0934 40.2564 53.7421 38.6494 54.2147L37.2441 62.1549C37.1886 62.4672 37.0248 62.75 36.7813 62.9534C36.5378 63.1567 36.2304 63.2677 35.9132 63.2667H28.5062C28.1877 63.2671 27.8794 63.1542 27.6364 62.9483C27.3933 62.7423 27.2314 62.4567 27.1794 62.1425L25.8609 54.2436C24.2474 53.7764 22.6907 53.1318 21.2192 52.3216L14.6554 56.9221C14.3955 57.1041 14.0798 57.1885 13.7637 57.1605C13.4476 57.1326 13.1516 56.9939 12.9277 56.7691L7.68251 51.528C7.45975 51.301 7.32337 51.0032 7.29695 50.6862C7.27053 50.3692 7.35574 50.0529 7.53785 49.792L12.1796 43.3027C11.3606 41.8243 10.709 40.2591 10.2369 38.6362L2.37945 37.2433C2.06779 37.1879 1.78557 37.0246 1.58227 36.782C1.37897 36.5394 1.26756 36.233 1.26758 35.9165V28.5054C1.26758 27.8441 1.74291 27.2819 2.39598 27.1745L10.2534 25.8642C10.7302 24.2384 11.3777 22.6843 12.1961 21.2018L7.60811 14.6463C7.42721 14.3868 7.3434 14.0719 7.37136 13.7567C7.39932 13.4416 7.53727 13.1464 7.76105 12.9227L13.0062 7.68579C13.2317 7.4601 13.5298 7.32169 13.8477 7.2952C14.1656 7.26871 14.4826 7.35585 14.7422 7.54112L21.2522 12.1911C22.721 11.3865 24.2654 10.7527 25.8857 10.2898L27.1753 2.39512C27.2273 2.07974 27.3897 1.7931 27.6335 1.5864C27.8773 1.3797 28.1866 1.26639 28.5062 1.26672H35.9173C36.5745 1.26672 37.1325 1.73792 37.2482 2.38272L38.637 10.3187C40.249 10.7844 41.7922 11.4251 43.2664 12.2407L49.7888 7.54939C50.0482 7.36084 50.3663 7.27099 50.6861 7.29599C51.0058 7.321 51.3061 7.45921 51.533 7.68579L56.7741 12.9269C56.9983 13.1513 57.1361 13.4476 57.1634 13.7636C57.1906 14.0796 57.1054 14.3952 56.9229 14.6546L52.2729 21.2803C53.072 22.7408 53.7058 24.2701 54.1742 25.8683V25.8725ZM22.827 32.2667C22.827 34.7694 23.8212 37.1696 25.5909 38.9393C27.3606 40.7089 29.7608 41.7031 32.2634 41.7031C34.7661 41.7031 37.1663 40.7089 38.936 38.9393C40.7057 37.1696 41.6998 34.7694 41.6998 32.2667C41.6998 29.764 40.7057 27.3638 38.936 25.5942C37.1663 23.8245 34.7661 22.8303 32.2634 22.8303C29.7608 22.8303 27.3606 23.8245 25.5909 25.5942C23.8212 27.3638 22.827 29.764 22.827 32.2667Z\" stroke=\"#095CA2\" stroke-width=\"2.53333\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTechnical basis\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-993bf1f elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"993bf1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Cobit Solutions helps banks <span style=\"color:#0158C6\">work with data<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67a3df4 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"67a3df4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">All 10 scenarios we discussed above require quality data, the right architecture, and analytical models. <\/span><\/p><p><span style=\"font-weight: 400\"><strong>Cobit Solutions<\/strong> can close this technology loop \u2014 from the unification of banking systems to predictive analytics and AI-based solutions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ce4462a\" data-id=\"ce4462a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0301598 elementor-widget elementor-widget-image\" data-id=\"0301598\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"760\" height=\"500\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/bank-effect-en.png\" class=\"attachment-large size-large wp-image-41806 lazyload\" alt=\"\" data-srcset=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/bank-effect-en.png 760w, https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/bank-effect-en-736x484.png 736w, https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/bank-effect-en-342x225.png 342w, https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/bank-effect-en-304x200.png 304w\" data-sizes=\"(max-width: 760px) 100vw, 760px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 760px; --smush-placeholder-aspect-ratio: 760\/500;\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5dd423 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5dd423\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1ebe513\" data-id=\"1ebe513\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f6830f elementor-position-left elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"5f6830f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"60\" height=\"52\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/01.svg\" class=\"attachment-full size-full wp-image-41839 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 60px; --smush-placeholder-aspect-ratio: 60\/52;\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Hyperpersonalization<\/h3><p class=\"elementor-image-box-description\">We will combine transactional and customer data and prepare it for predictive analytics. We will build machine learning models for personalized offers.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-61ebb1f\" data-id=\"61ebb1f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7e0d6e3 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"7e0d6e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"60\" height=\"52\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/02.svg\" class=\"attachment-full size-full wp-image-41840 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 60px; --smush-placeholder-aspect-ratio: 60\/52;\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Forecasting churn<\/h3><p class=\"elementor-image-box-description\">We will build a predictive model that identifies customers with an increased risk of churn. It will help form target groups for retention.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1eb877c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1eb877c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4376776\" data-id=\"4376776\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-386dec0 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"386dec0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"60\" height=\"52\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/03.svg\" class=\"attachment-full size-full wp-image-41841 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 60px; --smush-placeholder-aspect-ratio: 60\/52;\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">New sources of revenue from data<\/h3><p class=\"elementor-image-box-description\">We will create a single repository and prepare aggregated data sets. We will build analytical products for internal teams, corporate clients or partners.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b0ed272\" data-id=\"b0ed272\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5663ea9 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"5663ea9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"60\" height=\"52\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/04.svg\" class=\"attachment-full size-full wp-image-41842 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 60px; --smush-placeholder-aspect-ratio: 60\/52;\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Credit scoring<\/h3><p class=\"elementor-image-box-description\">We will develop machine learning models for credit risk assessment. We will integrate the results into the bank's analytical system.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-35688f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"35688f2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1cb8193\" data-id=\"1cb8193\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5dfeb9c elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"5dfeb9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"60\" height=\"52\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/05.svg\" class=\"attachment-full size-full wp-image-41843 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 60px; --smush-placeholder-aspect-ratio: 60\/52;\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Early detection of problem loans<\/h3><p class=\"elementor-image-box-description\">We will set up predictive models and an early warning system that will help identify borrowers with increased risk.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-def3743\" data-id=\"def3743\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61d14cf elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"61d14cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"60\" height=\"52\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/06.svg\" class=\"attachment-full size-full wp-image-41844 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 60px; --smush-placeholder-aspect-ratio: 60\/52;\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Antifraud and AML<\/h3><p class=\"elementor-image-box-description\">We will combine transaction flows and prepare data for anomaly detection. We will build models to search for suspicious transactions and patterns.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9d25eed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9d25eed\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b5b9db5\" data-id=\"b5b9db5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c140bbf elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"c140bbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"60\" height=\"52\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/07.svg\" class=\"attachment-full size-full wp-image-41845 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 60px; --smush-placeholder-aspect-ratio: 60\/52;\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Stress testing and capital planning<\/h3><p class=\"elementor-image-box-description\">We will build scenario models for different economic conditions. They will show the possible impact on the loan portfolio, profit and capital.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-dff4b64\" data-id=\"dff4b64\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e408335 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"e408335\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"60\" height=\"52\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/08.svg\" class=\"attachment-full size-full wp-image-41846 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 60px; --smush-placeholder-aspect-ratio: 60\/52;\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Cash flow optimization<\/h3><p class=\"elementor-image-box-description\">We will create predictive models to plan the cash needs of ATMs and branches. We will visualize the results in Power BI.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e3c25a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e3c25a9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-29aae4b\" data-id=\"29aae4b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-531c5dd elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"531c5dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"60\" height=\"52\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/09.svg\" class=\"attachment-full size-full wp-image-41847 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 60px; --smush-placeholder-aspect-ratio: 60\/52;\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">AI assistants for employees<\/h3><p class=\"elementor-image-box-description\">We will prepare corporate data for working with large language models. We will create internal AI solutions for searching, analyzing, and processing information.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-03ee69d\" data-id=\"03ee69d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd8811c elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"bd8811c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"60\" height=\"52\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/10.svg\" class=\"attachment-full size-full wp-image-41848 lazyload\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 60px; --smush-placeholder-aspect-ratio: 60\/52;\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Predicting ATM failures<\/h3><p class=\"elementor-image-box-description\">We will build predictive maintenance models. We will use event logs, fault history, and equipment performance for analysis.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4570c2c elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4570c2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center\">To implement such solutions, the Cobit Solutions team works with data integration, <strong>ETL\/ELT, DWH, Data Lake and Lakehouse, Power BI<\/strong>, <strong>predictive analytics, machine learning, and AI<\/strong>. We can separately build a data management system, configure quality control, access, and prepare a single analytical framework for multiple scenarios.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8a18081 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"8a18081\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b205aee\" data-id=\"b205aee\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2130ce2 elementor-widget elementor-widget-services_feedback\" data-id=\"2130ce2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"services_feedback.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section class=\"feedback-section py-4 py-xl-5\"> \n\t\t\t<div class=\"container py-4\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"section-title text-center mb-2 text-white\">Which scenario should be implemented in your bank?<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-4 feedback-section-desc text-center\">We invite you to a 30-minute consultation to determine the priority scenario and assess the readiness of your data for its implementation.<\/p>\n\t\t\t\t\t\t\t\t<div class=\"feedback_form pt-3\" onsubmit=\"window.lintrk('track', { conversion_id: 2049209 });\">\n\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f29435-o4\" lang=\"uk\" dir=\"ltr\" data-wpcf7-id=\"29435\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/posts\/41784#wpcf7-f29435-o4\" method=\"post\" class=\"wpcf7-form init cf7mls-no-scroll cf7mls-auto-return-first-step cf7mls-no-moving-animation\" aria-label=\"\u041a\u043e\u043d\u0442\u0430\u043a\u0442\u043d\u0430 \u0444\u043e\u0440\u043c\u0430\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"29435\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"uk\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f29435-o4\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"lang\" value=\"en\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"row align-items-center\">\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap mb-4\"><span class=\"wpcf7-form-control-wrap\" data-name=\"fio\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"fio\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap mb-4\"><span class=\"wpcf7-form-control-wrap\" data-name=\"short-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel form-control cp-input-phone\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"short-phone\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap mb-4\"><span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control only_corporate_email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Corporate E-Mail\" value=\"\" type=\"email\" name=\"email\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"col-12 col-md-6 col-lg-3\">\n    <div class=\"input-wrap submit-wrap mb-4\"><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-success py-2 px-3 w-100\" type=\"submit\" value=\"Get a free consultation\" \/><\/div>\n<\/div>\n\n<div style=\"display: none;\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"hp_form_field\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text hp-field-checking\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"hp_form_field\" \/><\/span>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"full_phone_country\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"full_phone\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/posts\/41784\/\" type=\"hidden\" name=\"url\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/posts\/41784\/\" type=\"hidden\" name=\"deal_lead_form_url\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"referer\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_source\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_medium\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_campaign\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_content\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_term\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gci\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gsi\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"ghi\" \/>\n<\/div>\n\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\t\n\t\t\t\t\t\t\t\t\t<p class=\"mb-3 feedback-section-desc text-center\">Or text us via Messenger<\/p>\n\t\t\t\t\t\t\t\t<div class=\"d-flex flex-wrap align-items-center justify-content-center feedback-social-buttons animation animation_fade\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/wa.me\/message\/YA3C7LUSPBYIH1\" target=\"_blank\" class=\"mx-2\" rel="nofollow"><img decoding=\"async\" alt=\"Cobit Solutions - Viber\" width=\"181\" height=\"50\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/whatsapp-btn-v2.png\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 181px; --smush-placeholder-aspect-ratio: 181\/50;\"><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/m.me\/cobitsolutions\" target=\"_blank\" class=\"mx-2\" rel="nofollow"><img decoding=\"async\" alt=\"Cobit Solutions - Messenger\" width=\"181\" height=\"50\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/facebook-btn.png\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 181px; --smush-placeholder-aspect-ratio: 181\/50;\"><\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<img decoding=\"async\" alt=\"Cobit Solutions - Download\" width=\"77\" height=\"84\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/feedback-rubin.png\" class=\"feedback-rubin rubin animation animation_rubin lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 77px; --smush-placeholder-aspect-ratio: 77\/84;\">\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9355765 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"9355765\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5039221\" data-id=\"5039221\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f0c1331 elementor-widget elementor-widget-services_dashboards\" data-id=\"f0c1331\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"services_dashboards.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section class=\"home-dashboards pt-4 pt-xl-5\" id=\"dashboards\"> \n\t\t\t<div class=\"container py-3\">\n\t\t\t\t<h2 class=\"section-title text-center mb-3 mb-md-4\">What analytics in Power BI might look like<\/h2>\n\t\t\t\t\t\t\t\t\t<p class=\"text-center mb-4 mb-lg-5 home-dashboards-desc\">Due to data confidentiality, we do not publish actual dashboards. Below are a few examples that demonstrate the capabilities of Power BI and Cobit Solutions' approach to business data visualization.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row px-2 justify-content-center\">\n                        \t\t\t\t\t\t\t<div class=\"col-6 col-lg-4 px-2\">\n                                <div class=\"home-dashboards-card home-dashboards-card-ajax hdc_big text-center mb-4 mb-xl-4 animation animation_fade\"\n                                     data-original-http_referer=\"\"\n                                     data-original-direct_redirect=\"0\">\n                                                                            <a href=\"https:\/\/cobit-solutions.com\/en\/cash-flow-dashboard\/\" class=\"mb-2 mb-sm-3 cs_custom_url_type\">\n                                            <img decoding=\"async\" alt=\"\u0421ashflow dashboard\" width=\"367\" height=\"221\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2021\/07\/trade_demo_cf_v1-eng-png-367x221.png\" class=\"w-100 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 367px; --smush-placeholder-aspect-ratio: 367\/221;\">\n                                        <\/a>\n                                                                        <p class=\"mb-1\">\n                                        <a href=\"https:\/\/cobit-solutions.com\/en\/cash-flow-dashboard\/\" class=\"cs_custom_url_type\">\n                                            \u0421ashflow dashboard                                        <\/a>\n                                    <\/p>\n                                                                            <p class=\"small mb-0\">Flow of funds<\/p>\n                                    \t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-6 col-lg-4 px-2\">\n                                <div class=\"home-dashboards-card home-dashboards-card-ajax hdc_big text-center mb-4 mb-xl-4 animation animation_fade\"\n                                     data-original-http_referer=\"\"\n                                     data-original-direct_redirect=\"0\">\n                                                                            <a href=\"https:\/\/cobit-solutions.com\/en\/financial-dashboard-page\/\" class=\"mb-2 mb-sm-3 cs_custom_url_type\">\n                                            <img decoding=\"async\" alt=\"Financial dashboard\" width=\"367\" height=\"221\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2021\/07\/oborotnyj-kapital-eng-png-367x221.png\" class=\"w-100 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 367px; --smush-placeholder-aspect-ratio: 367\/221;\">\n                                        <\/a>\n                                                                        <p class=\"mb-1\">\n                                        <a href=\"https:\/\/cobit-solutions.com\/en\/financial-dashboard-page\/\" class=\"cs_custom_url_type\">\n                                            Financial dashboard                                        <\/a>\n                                    <\/p>\n                                                                            <p class=\"small mb-0\">Production and retail working capital dashboard<\/p>\n                                    \t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-6 col-lg-4 px-2\">\n                                <div class=\"home-dashboards-card home-dashboards-card-ajax hdc_big text-center mb-4 mb-xl-4 animation animation_fade\"\n                                     data-original-http_referer=\"\"\n                                     data-original-direct_redirect=\"0\">\n                                                                            <a href=\"#dashModal26221\" class=\"mb-2 mb-sm-3 \" rel="nofollow">\n                                            <img decoding=\"async\" alt=\"Sales &#038; Market Analytics\" width=\"367\" height=\"221\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2025\/01\/wood_products_manufacturing-sales-and-market-367x221.png\" class=\"w-100 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 367px; --smush-placeholder-aspect-ratio: 367\/221;\">\n                                        <\/a>\n                                                                        <p class=\"mb-1\">\n                                        <a href=\"#dashModal26221\" class=\"\" rel="nofollow">\n                                            Sales &#038; Market Analytics                                        <\/a>\n                                    <\/p>\n                                                                            <p class=\"small mb-0\">Products' margin structure and market<\/p>\n                                    \t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-6 col-lg-4 px-2\">\n                                <div class=\"home-dashboards-card home-dashboards-card-ajax hdc_big text-center mb-4 mb-xl-4 animation animation_fade\"\n                                     data-original-http_referer=\"\"\n                                     data-original-direct_redirect=\"0\">\n                                                                            <a href=\"https:\/\/cobit-solutions.com\/en\/profit-and-loss-dashboard\/\" class=\"mb-2 mb-sm-3 cs_custom_url_type\">\n                                            <img decoding=\"async\" alt=\"Profit &#038; Loss (P&#038;L)\" width=\"367\" height=\"221\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2021\/07\/pnl-v-it-367x221.png\" class=\"w-100 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 367px; --smush-placeholder-aspect-ratio: 367\/221;\">\n                                        <\/a>\n                                                                        <p class=\"mb-1\">\n                                        <a href=\"https:\/\/cobit-solutions.com\/en\/profit-and-loss-dashboard\/\" class=\"cs_custom_url_type\">\n                                            Profit &#038; Loss (P&#038;L)                                        <\/a>\n                                    <\/p>\n                                                                            <p class=\"small mb-0\">Profit and loss statement of the company<\/p>\n                                    \t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-6 col-lg-4 px-2\">\n                                <div class=\"home-dashboards-card home-dashboards-card-ajax hdc_big text-center mb-4 mb-xl-4 animation animation_fade\"\n                                     data-original-http_referer=\"\"\n                                     data-original-direct_redirect=\"0\">\n                                                                            <a href=\"#dashModal31087\" class=\"mb-2 mb-sm-3 \" rel="nofollow">\n                                            <img decoding=\"async\" alt=\"SEO promotion dashboard\" width=\"367\" height=\"221\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/02\/dashboard-5-367x221.jpg\" class=\"w-100 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 367px; --smush-placeholder-aspect-ratio: 367\/221;\">\n                                        <\/a>\n                                                                        <p class=\"mb-1\">\n                                        <a href=\"#dashModal31087\" class=\"\" rel="nofollow">\n                                            SEO promotion dashboard                                        <\/a>\n                                    <\/p>\n                                                                            <p class=\"small mb-0\">Traffic, rankings and link performance insights<\/p>\n                                    \t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-6 col-lg-4 px-2\">\n                                <div class=\"home-dashboards-card home-dashboards-card-ajax hdc_big text-center mb-4 mb-xl-4 animation animation_fade\"\n                                     data-original-http_referer=\"\"\n                                     data-original-direct_redirect=\"0\">\n                                                                            <a href=\"#dashModal31078\" class=\"mb-2 mb-sm-3 \" rel="nofollow">\n                                            <img decoding=\"async\" alt=\"Google Ads dashboard\" width=\"367\" height=\"221\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/02\/dashboard-4-367x221.jpg\" class=\"w-100 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 367px; --smush-placeholder-aspect-ratio: 367\/221;\">\n                                        <\/a>\n                                                                        <p class=\"mb-1\">\n                                        <a href=\"#dashModal31078\" class=\"\" rel="nofollow">\n                                            Google Ads dashboard                                        <\/a>\n                                    <\/p>\n                                                                            <p class=\"small mb-0\">Google Ads performance analytics<\/p>\n                                    \t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t<img decoding=\"async\" alt=\"Cobit Solutions\" width=\"98\" height=\"168\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/home-dashboards-rubin.png\" class=\"home-dashboards-rubin rubin animation animation_rubin lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 98px; --smush-placeholder-aspect-ratio: 98\/168;\">\n\t\t<\/section>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-603e9bb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"603e9bb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2fd24f3\" data-id=\"2fd24f3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-130da33 elementor-widget elementor-widget-services_cases\" data-id=\"130da33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"services_cases.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <section class=\"home-cases pt-4 pt-xl-5 pb-0 pb-md-4 pb-xl-5\" id=\"cases\">\r\n                <div class=\"container py-4\">\r\n                                            <h2 class=\"section-title text-center mb-3 text-white\">We also offer you to familiarize yourself with our other projects<\/h2>\r\n                                                            <div class=\"grid-3-carousel owl-carousel js-cs-slider mx-auto mb-4 mb-xl-5\" data-cs-type=\"cases\">\r\n                                                                                    <div class=\"item h-100\">\r\n                                    <div class=\"card card-cases h-100\">\r\n                                                                                    <img loading=\"lazy\" decoding=\"async\" alt=\"&#8220;Dobrobut&#8221; clinics network\" width=\"329\" height=\"215\" src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2021\/07\/gos-innovatsii-v-meditsine-e1777900112223.jpg\" class=\"card-img-top\" loading=\"lazy\">\r\n                                                                                <div class=\"card-body px-3 px-xl-4 pb-3 pb-lg-4 d-flex flex-column\">\r\n                                                                                                                                        <p class=\"badge rounded-pill px-4 py-2 mb-2 mt-1\">Healthcare<\/p>\r\n                                                                                        <h3 class=\"card-title mb-3 mt-2\">&#8220;Dobrobut&#8221; clinics network<\/h3>\r\n                                            <div class=\"card-text mb-3\">\r\n                                                <p class=\"mb-2\"><strong>Result:<\/strong><\/p>\r\n                                                <ul>\r\n \t<li>The clinic\u2019s directors receive a P&L report updated daily.<\/li>\r\n \t<li>Management uses a daily dashboard for budget-versus-actual analysis of operational indicators.<\/li>\r\n \t<li>Dashboards combine data from ERP and the Doktor Eleks medical system.<\/li>\r\n<\/ul>                                            <\/div>\r\n                                            <div class=\"card-text mt-auto\">\r\n                                                <a href=\"https:\/\/cobit-solutions.com\/en\/power-bi-medical-clinic-transformation\/\" class=\"card-cases-link\">More about the case<\/a>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                    <\/div>\r\n                                <\/div>\r\n                                                            <div class=\"item h-100\">\r\n                                    <div class=\"card card-cases h-100\">\r\n                                                                                    <img decoding=\"async\" alt=\"Meest China\" width=\"329\" height=\"215\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2021\/07\/logistics-367x221.jpg\" class=\"card-img-top lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 329px; --smush-placeholder-aspect-ratio: 329\/215;\">\r\n                                                                                <div class=\"card-body px-3 px-xl-4 pb-3 pb-lg-4 d-flex flex-column\">\r\n                                                                                                                                        <p class=\"badge rounded-pill px-4 py-2 mb-2 mt-1\">Logistics<\/p>\r\n                                                                                        <h3 class=\"card-title mb-3 mt-2\">Meest China<\/h3>\r\n                                            <div class=\"card-text mb-3\">\r\n                                                <p class=\"mb-2\"><strong>Result:<\/strong><\/p>\r\n                                                <ul>\r\n \t<li>Dashboards combine data from ERP and CRM.<\/li>\r\n \t<li>Route margins are automatically calculated in dashboards and monitored every day by management.<\/li>\r\n \t<li>A Profit & Loss report is generated daily.<\/li>\r\n<\/ul>                                            <\/div>\r\n                                            <div class=\"card-text mt-auto\">\r\n                                                <a href=\"https:\/\/cobit-solutions.com\/en\/logistics-intelligence-kak-najti-posylku-2\/\" class=\"card-cases-link\">More about the case<\/a>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                    <\/div>\r\n                                <\/div>\r\n                                                            <div class=\"item h-100\">\r\n                                    <div class=\"card card-cases h-100\">\r\n                                                                                    <img decoding=\"async\" alt=\"Steelite International USA\" width=\"329\" height=\"215\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/04\/steelite-craft-blue-teller-tassen-schalen-geschirr-serie-unikate-367x221.jpg\" class=\"card-img-top lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 329px; --smush-placeholder-aspect-ratio: 329\/215;\">\r\n                                                                                <div class=\"card-body px-3 px-xl-4 pb-3 pb-lg-4 d-flex flex-column\">\r\n                                                                                                                                        <p class=\"badge rounded-pill px-4 py-2 mb-2 mt-1\">Manufacturing<\/p>\r\n                                                                                        <h3 class=\"card-title mb-3 mt-2\">Steelite International USA<\/h3>\r\n                                            <div class=\"card-text mb-3\">\r\n                                                <p class=\"mb-2\"><strong>Result:<\/strong><\/p>\r\n                                                <ul>\r\n \t<li style=\"font-weight: 400\">Automated reporting, reducing turnaround from 10 days to overnight.<\/li>\r\n \t<li style=\"font-weight: 400\">Scaled visibility from regional to global (US, UK, Canada, Europe, Australia).<\/li>\r\n \t<li style=\"font-weight: 400\">Centralized data enabled data-driven decisions on a weekly cadence instead of monthly.<\/li>\r\n<\/ul>                                            <\/div>\r\n                                            <div class=\"card-text mt-auto\">\r\n                                                <a href=\"https:\/\/cobit-solutions.com\/en\/how-to-go-from-the-chaos-of-hundreds-of-thousands-of-metrics-to-analytics-with-99-accuracy\/\" class=\"card-cases-link\">More about the case<\/a>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                    <\/div>\r\n                                <\/div>\r\n                                                                                                            <div class=\"item h-100 js-cs-item\" data-id=\"41654\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"5727\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"5391\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"5735\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"5731\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"5712\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"5708\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"5693\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"5689\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"5684\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"5674\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"5456\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"1422\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"1421\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"1415\">\r\n\r\n                                <\/div>\r\n                                                            <div class=\"item h-100 js-cs-item\" data-id=\"690\">\r\n\r\n                                <\/div>\r\n                                                                                                <\/div>\r\n                                            <p class=\"mb-4 feedback-section-desc text-center\">Industry-focused case studies designed for your needs<\/p>\r\n                                                                <div class=\"text-center animation animation_fade\">\r\n                            <a href=\"https:\/\/cobit-solutions.com\/en\/cases-all\/\" class=\"btn btn-primary py-2 px-3 px-lg-4 px-xl-5\">\r\n                                <div class=\"my-1\">learn more<\/div>\r\n                            <\/a>\r\n                        <\/div>\r\n                                    <\/div>\r\n                <img decoding=\"async\" alt=\"Cobit Solutions\" width=\"121\" height=\"132\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/cases-rubin.png\" class=\"cases-rubin rubin animation animation_rubin lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 121px; --smush-placeholder-aspect-ratio: 121\/132;\">\r\n                <img decoding=\"async\" alt=\"Cobit Solutions\" width=\"65\" height=\"71\" data-src=\"https:\/\/cobit-solutions.com\/en\/wp-content\/themes\/cobit\/img\/cases-rubin-2.png\" class=\"cases-rubin-2 rubin animation animation_rubin lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 65px; --smush-placeholder-aspect-ratio: 65\/71;\">\r\n            <\/section>\r\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Practical insights, numbers, and real-world cases Data Analytics in Banks: 10 Practical Use Cases Where is your financial institution losing money, what risks can [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":41782,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-41784","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Data Analytics in Banking: 10 Use Cases | Cobit Solutions<\/title>\n<meta name=\"description\" content=\"Learn how data analytics helps banks increase revenue, reduce risks, optimize costs, and manage capital more effectively.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Data Analytics in Banking: 10 Use Cases | Cobit Solutions\" \/>\n<meta property=\"og:description\" content=\"Learn how data analytics helps banks increase revenue, reduce risks, optimize costs, and manage capital more effectively.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cobit-solutions.com\/en\/?post_type=cases&amp;p=690\" \/>\n<meta property=\"og:site_name\" content=\"Business Intelligence | Cobit Solutions\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/fb.com\/cobitsolutions\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-30T17:37:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-02T15:29:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/data-analytics-in-banks-en.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Dmytro Chashnyk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Dmytro Chashnyk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/\"},\"author\":{\"name\":\"Inna Ryzhova\",\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/#\\\/schema\\\/person\\\/aeadca925f1fbccf1b22bc89c1f15dc6\"},\"headline\":\"Data Analytics in Banking: 10 Practical Use Cases\",\"datePublished\":\"2026-09-30T17:37:10+00:00\",\"dateModified\":\"2026-10-02T15:29:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/\"},\"wordCount\":2404,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2026\\\/09\\\/data-analytics-in-banks-en.jpg\",\"articleSection\":[\"Finances\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/\",\"url\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/\",\"name\":\"Data Analytics in Banking: 10 Use Cases | Cobit Solutions\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2026\\\/09\\\/data-analytics-in-banks-en.jpg\",\"datePublished\":\"2026-09-30T17:37:10+00:00\",\"dateModified\":\"2026-10-02T15:29:10+00:00\",\"description\":\"Learn how data analytics helps banks increase revenue, reduce risks, optimize costs, and manage capital more effectively.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/#primaryimage\",\"url\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2026\\\/09\\\/data-analytics-in-banks-en.jpg\",\"contentUrl\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2026\\\/09\\\/data-analytics-in-banks-en.jpg\",\"width\":1200,\"height\":630},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/data-analytics-in-banking\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\",\"item\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Data Analytics in Banking: 10 Practical Use Cases\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/\",\"name\":\"Cobit Solutions\",\"description\":\"Power BI Dashboard, DWH & AI Development Services Company \ud83d\udcca Get expert level data solutions, DWH and dashboards with our BI & AI implementation services \u260e +1-720-8820181\",\"publisher\":{\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/#organization\",\"name\":\"CS Analytics Group LLC\",\"alternateName\":\"Cobit Solutions\",\"url\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2026\\\/05\\\/logo_square_fb_page_v1_03.png\",\"contentUrl\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2026\\\/05\\\/logo_square_fb_page_v1_03.png\",\"width\":743,\"height\":743,\"caption\":\"CS Analytics Group LLC\"},\"image\":{\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/fb.com\\\/cobitsolutions\\\/\"],\"contactPoint\":{\"@type\":\"ContactPoint\",\"telephone\":\"+17208820181\",\"contactType\":\"customer service\",\"areaServed\":\"US\",\"availableLanguage\":[\"en\",\"uk\",\"ru\"]}},{\"@type\":[\"Person\",\"Organization\"],\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/#\\\/schema\\\/person\\\/2fc01f193b16fc3c962f6c26eea02c9d\",\"name\":\"Dmytro Chashnyk\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g\",\"caption\":\"Dmytro Chashnyk\"},\"logo\":{\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g\"},\"sameAs\":[\"http:\\\/\\\/cobit-solutions.com\"],\"givenName\":\"Dmytro\",\"familyName\":\"Chashnyk\",\"url\":\"https:\\\/\\\/cobit-solutions.com\\\/en\",\"contactPoint\":{\"@type\":\"ContactPoint\",\"telephone\":\"+17208820181\",\"contactType\":\"customer service\",\"areaServed\":\"US\",\"availableLanguage\":[\"en\",\"uk\",\"ru\"]}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/#\\\/schema\\\/person\\\/2fc01f193b16fc3c962f6c26eea02c9d\",\"name\":\"Dmytro Chashnyk\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g\",\"caption\":\"Dmytro Chashnyk\"},\"sameAs\":[\"http:\\\/\\\/cobit-solutions.com\"],\"givenName\":\"Dmytro\",\"familyName\":\"Chashnyk\",\"url\":\"https:\\\/\\\/cobit-solutions.com\\\/en\"},{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"LocalBusiness\",\"@id\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/#localbusiness\",\"name\":\"Cobit Solutions\",\"image\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2026\\\/05\\\/logo_square_fb_page_v1_03.png\",\"url\":\"https:\\\/\\\/cobit-solutions.com\\\/en\\\/\",\"telephone\":\"(720) 882-0181\",\"priceRange\":\"$$$\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"100 SE 2nd St\",\"addressLocality\":\"Miami\",\"addressRegion\":\"FL\",\"postalCode\":\"33131\",\"addressCountry\":\"US\"},\"sameAs\":[\"https:\\\/\\\/fb.com\\\/cobitsolutions\\\/\",\"https:\\\/\\\/linkedin.com\\\/company\\\/cobitsolutions\\\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Data Analytics in Banking: 10 Use Cases | Cobit Solutions","description":"Learn how data analytics helps banks increase revenue, reduce risks, optimize costs, and manage capital more effectively.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Data Analytics in Banking: 10 Use Cases | Cobit Solutions","og_description":"Learn how data analytics helps banks increase revenue, reduce risks, optimize costs, and manage capital more effectively.","og_url":"https:\/\/cobit-solutions.com\/en\/?post_type=cases&p=690","og_site_name":"Business Intelligence | Cobit Solutions","article_publisher":"https:\/\/fb.com\/cobitsolutions\/","article_published_time":"2026-09-30T17:37:10+00:00","article_modified_time":"2026-10-02T15:29:10+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/data-analytics-in-banks-en.jpg","type":"image\/jpeg"}],"author":"Dmytro Chashnyk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Dmytro Chashnyk","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/#article","isPartOf":{"@id":"https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/"},"author":{"name":"Inna Ryzhova","@id":"https:\/\/cobit-solutions.com\/en\/#\/schema\/person\/aeadca925f1fbccf1b22bc89c1f15dc6"},"headline":"Data Analytics in Banking: 10 Practical Use Cases","datePublished":"2026-09-30T17:37:10+00:00","dateModified":"2026-10-02T15:29:10+00:00","mainEntityOfPage":{"@id":"https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/"},"wordCount":2404,"commentCount":0,"publisher":{"@id":"https:\/\/cobit-solutions.com\/en\/#organization"},"image":{"@id":"https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/#primaryimage"},"thumbnailUrl":"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/data-analytics-in-banks-en.jpg","articleSection":["Finances"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/","url":"https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/","name":"Data Analytics in Banking: 10 Use Cases | Cobit Solutions","isPartOf":{"@id":"https:\/\/cobit-solutions.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/#primaryimage"},"image":{"@id":"https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/#primaryimage"},"thumbnailUrl":"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/data-analytics-in-banks-en.jpg","datePublished":"2026-09-30T17:37:10+00:00","dateModified":"2026-10-02T15:29:10+00:00","description":"Learn how data analytics helps banks increase revenue, reduce risks, optimize costs, and manage capital more effectively.","breadcrumb":{"@id":"https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/#primaryimage","url":"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/data-analytics-in-banks-en.jpg","contentUrl":"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/09\/data-analytics-in-banks-en.jpg","width":1200,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/cobit-solutions.com\/en\/data-analytics-in-banking\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/cobit-solutions.com\/en\/"},{"@type":"ListItem","position":2,"name":"Blog","item":"https:\/\/cobit-solutions.com\/en\/blog\/"},{"@type":"ListItem","position":3,"name":"Data Analytics in Banking: 10 Practical Use Cases"}]},{"@type":"WebSite","@id":"https:\/\/cobit-solutions.com\/en\/#website","url":"https:\/\/cobit-solutions.com\/en\/","name":"Cobit Solutions","description":"Power BI Dashboard, DWH & AI Development Services Company \ud83d\udcca Get expert level data solutions, DWH and dashboards with our BI & AI implementation services \u260e +1-720-8820181","publisher":{"@id":"https:\/\/cobit-solutions.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/cobit-solutions.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/cobit-solutions.com\/en\/#organization","name":"CS Analytics Group LLC","alternateName":"Cobit Solutions","url":"https:\/\/cobit-solutions.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cobit-solutions.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/05\/logo_square_fb_page_v1_03.png","contentUrl":"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/05\/logo_square_fb_page_v1_03.png","width":743,"height":743,"caption":"CS Analytics Group LLC"},"image":{"@id":"https:\/\/cobit-solutions.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/fb.com\/cobitsolutions\/"],"contactPoint":{"@type":"ContactPoint","telephone":"+17208820181","contactType":"customer service","areaServed":"US","availableLanguage":["en","uk","ru"]}},{"@type":["Person","Organization"],"@id":"https:\/\/cobit-solutions.com\/en\/#\/schema\/person\/2fc01f193b16fc3c962f6c26eea02c9d","name":"Dmytro Chashnyk","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g","caption":"Dmytro Chashnyk"},"logo":{"@id":"https:\/\/secure.gravatar.com\/avatar\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g"},"sameAs":["http:\/\/cobit-solutions.com"],"givenName":"Dmytro","familyName":"Chashnyk","url":"https:\/\/cobit-solutions.com\/en","contactPoint":{"@type":"ContactPoint","telephone":"+17208820181","contactType":"customer service","areaServed":"US","availableLanguage":["en","uk","ru"]}},{"@type":"Person","@id":"https:\/\/cobit-solutions.com\/en\/#\/schema\/person\/2fc01f193b16fc3c962f6c26eea02c9d","name":"Dmytro Chashnyk","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0b9be2515356e3df015079d8c0d99d21809e3b53a2ee7970040f76c568383372?s=96&d=mm&r=g","caption":"Dmytro Chashnyk"},"sameAs":["http:\/\/cobit-solutions.com"],"givenName":"Dmytro","familyName":"Chashnyk","url":"https:\/\/cobit-solutions.com\/en"},{"@context":"https:\/\/schema.org","@type":"LocalBusiness","@id":"https:\/\/cobit-solutions.com\/en\/#localbusiness","name":"Cobit Solutions","image":"https:\/\/cobit-solutions.com\/en\/wp-content\/uploads\/sites\/2\/2026\/05\/logo_square_fb_page_v1_03.png","url":"https:\/\/cobit-solutions.com\/en\/","telephone":"(720) 882-0181","priceRange":"$$$","address":{"@type":"PostalAddress","streetAddress":"100 SE 2nd St","addressLocality":"Miami","addressRegion":"FL","postalCode":"33131","addressCountry":"US"},"sameAs":["https:\/\/fb.com\/cobitsolutions\/","https:\/\/linkedin.com\/company\/cobitsolutions\/"]}]}},"_links":{"self":[{"href":"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/posts\/41784","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/comments?post=41784"}],"version-history":[{"count":3,"href":"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/posts\/41784\/revisions"}],"predecessor-version":[{"id":41857,"href":"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/posts\/41784\/revisions\/41857"}],"wp:attachment":[{"href":"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/media?parent=41784"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/categories?post=41784"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cobit-solutions.com\/en\/wp-json\/wp\/v2\/tags?post=41784"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}