IQ-PROJECTOR

This is a methodology of IQAnalytics that offers the capacity to forecast and to project the behavior of the clients in their buying habits. Everything is developed in order to offer knowledge of the market segments that are better adjusted to the conditions of the business profit goals in the near future. For our company is fundamental to contribute to creating development according to the best conditions of the data that arranges a company. One way to achieve this is to use the existing internal and external historical data to reduce the uncertainty in a strategic process.

IQ-EVALUATOR Communication Portfolio.

Currently, the decision to assign a budget to communication alternatives requires a solution adjusted to the complexity of the problem.Today media has a wide set of options, and public objective and public segments are more sophisticated. Communication requires short and medium term evaluations to achieve more effectiveness and efficiency. Our firm has generated a product that helps you to improve the way to obtain results according to the pre-designed goals and under your budget and resource constraints.

The purpose of this product is to reduce, the uncertainly and risk
associated with sales and advertising. The product measurement is based on the size of the audience, characteristics of media alternatives and measures of specific campaign attributes.

Some of the steps in IQAnalytics methodology are:
1. Historic review and influence analysis of the different communication variables in the competitive strategy development.
2. Budget evaluation to be invested in communication programs
3. Accurate identification of media mix according to the plan marketing conditions.

IQAnalytics utilizes statistical and optimization models to evaluate the best solution under the historical conditions and company experience in the market.

IQ-CLASSIFIER Segmentation Analysis.

Our company has developed mathematical methodologies and computerized tools to guide you to achieve financial and marketing goals. Our Segmentation Analysis method carries out pre-established parameters with the
purpose of obtaining a selection of clients that are adequate and adjusted to the policies and goals of your company.

Statistical tools are used for identification and assignment of the different products to the groups that have been evaluated. The marketing strategy of the organization requires the creation of a code of orientation that be the tool of control and of management. Everything built around the different areas related to the potential clients, for example sales, development of products and services. The base for the construction of these models is the analysis of the available data at time of the decision and the observation of whether the lessons learned in the past help to improve the decision process.

We conceive the segmentation process as a rigorous mixture of science and art, found through a Management Information System, development of processes, model and technical tools against the complex conditions of marketing, sales, distribution and maintenance of clients.

IQ-EXTRACTOR DATA MINING IN THE SECTOR OF TELECOMMUNICATIONS AND RETAIL.

Currently, organizations store enormous quantities of data generated in the daily operation of their business. Information systems keep day to day the information generated in different areas of the company.

For example: Commercial data of the relations with its clients, the accounting system records, different operations that since the financial point of view are carried out, different movements of inventories, entrances and exits, are kept in the computer. In summary, there is not practically one area of a business of which a registration of the operations and their corresponding data remain in one way or another accessible to the users.

The existence of all these data represents a potential wealth for any organization that decides to utilize them by converting those data into knowledge. Any business can improve its relations with its clients, its competitive position in the sector of activity using better knowledge. Knowledge creation helps to focus its commercial strategies in order to identify potential areas of improvement in the different external and internal processes that involves its activity, to locate potential points in which waste be being generated and be possible to do economies. All of this requires to develop data mining models. Telecommunication sector for example, highly automated, counts on a great quantity of data that at the moment of to be become information they provided an immense wealth to their business.

IQAnalytics is prepared to answer for you the following questions:

What is the profile of my clients? What is the segment of the potential clients to which I should direct my marketing efforts? In the launch of a new product: How do I orient
the efforts of the marketing campaign to achieve the best possible success? How do I detect problems(patterns) of frustrated call intents in hours of congestion? What are the problem points (patterns) of use by destiny, volume and hour of the day? How do I detect the final connections of user that fail due to congestions of route? How can I detect potentially fraudulent users with no typical patterns of use? How can I detect calls that try to do fraudulently enter accounts of clients? How can I detect blockades by distant users? How can I detect you called ghost due to teams inadequately planned? How can we design new plans according to the bosses of consumption of the different clients to generate a greater profit value? How can I select the requests of new service to eliminate the bad credits?

Data mining is an assembly of technical statistics and mathematical models that with the computer programs aid permits to find existing patterns based on the operating data of the business that offer answers to the questions previously mentioned.

IQ-RISK MANAGER

In our business, we understand the problem of risk management as the study of the risk in different economic activities and its relationship with strategy; particularly. in the business of the financial sector and, especially the insurance businesses. For us it is fundamental, in the studies that require technical analytical tools, to introduce the complement of other disciplines in order to obtain a solution adjusted to the reality of the business.

Thus, it is like the theme of products only is not only observed as the production of technical notes but also we consider necessary to include the studies of market and of adequate operation to achieve a successful product. We have defined the following lines of analysis in our risk management methodology:

1. Product and strategic evaluation of marketing: this aspect includes the design of product, its definition adequate of price and its adaptation according to the conditions of market, competence and operation of the business.

This means that our form to see the products is not only as the instrument that is created but also a dynamic form in which the product is going to be a successful member of the offer of the business. Which it requires of ours splits the study of strategy, of associated loss distribution or inference of success in a market. Evidently we consider that a product requires all a plan of business that goes since the gestation to the control of results, elements that do a great deal of lack in ours medium therefore many cases are presented in which the product to a problem but of the organization is reduced and not to an opportunity and strengths.

2. Selection and classification of risk: The methodologies of classification are a very powerful tool to achieve an effort directed but efficient and efficient in order to constitute a briefcase but profitable. Risk classification applies to the life insurance businesses as to those of casualty and property, therefore the process of analysis seeks to discover patterns of risk that conduct to establish which are the objective clients and the form to relate them to a fair price. All industries require risk analysis associated with market strategy.

3. Analysis benefits and systems of remuneration:
This is a field that needs to be developed with extreme accurate al interior of the organizations. Systems of remuneration that include factors of risk are a field of application of the methodologies of our business practices. Inside this area we include the analysis of benefits that are associated with the development of an organization and related to other different variables of salary.

4. Evaluation of business and portfolio: This is a field that initiates a great conceptual process of consolidation. The evaluation under uncertainty requires to include random factors, which generate analysis using powerful tools. The purchase of businesses, mergers, some specific analysis of business investments are examples of problems that would utilize our methodologies.

5. Analysis of reliability: Active and passive operations in any company are part of the analysis of financial management. Nevertheless, this analysis in the field of companies that operate under risk requires quantitative tools that they bear the study of the randomness of the associated phenomena: passive or active or simultaneously to both. The elements of uncertainty generate lags that should be corrected through risk value estimations.

6. Risk management in non financial and financial companies: This concept includes the analysis and plan methodologies to control the exposition to risk and potential results. Today. this is seen with full clarity the need to include the non financial and financial
companies in programs that control different associated risks to the business, this is passive and active risks of relation, risk of operation, risks of market, risks of segments, among others. Our business provides the methodology to develop methods of analysis and to generate panels of control to the different risks of the organization.

IQ-PROCESS ANALYST

Nowadays, the permanent review of the processes is part of business management. Processes cannot be static, one must generate them a dynamic that allows adaptation to business changes.

In IQAnalytics is understood the analysis of the processes not as the study of the way as the company is doing the things today but  to understand what should be the orientation of the business processes to be more compettive.

In our methodology the fundamental element is not only to organize the company at the lowest cost but also to think about the horizon of growth that is desired to achieve and to adapt the organization to it. This process analysis orientation implies that the evaluations of the phases of the processes, her indicators and her transformation, if is required, should go associate with the strategic orientation. Control is understood as the development of the media to know if the processes are adjusted to the conditions for which they have been designed.

Therefore, it is fundamental to establish an information system that controls the different variables involved in the process. Graphics of control are a powerful tool to monitoring performance . Our methodology builds the indicators, represents them and establishes the relationships with variances observed inside the processes.

IQ-SELECTOR CLASSIFICATION OF RISK

Risk Classification problem is one of the most important themes in Insurance, Reinsurance and Financial Industry, so for subscription as for the actuarial definition of prices, reserves and ruin problems analysis. The process requires of the identification of good or bad prospects, the probabilities of lost monetary on a portfolio. Risk classification identifies also a probability of bad classification, which should be minimized. Besides, classification in insurance requires that be taken into account some very important elements of analysis such as:

1. Risk can be classified according to frequency, for example good and bad drivers in periods of time, or by regions or by any another variable. Besides, the risk intensity can be modified and it is possible to have a quantity small of large claims. Business strategy can be given for a mixture among quantity and intensity. This in terms of a model signifies that there are different groups of variables to make decisions.

2. Classification methods require complete data. In insurance from time to time the data does not exist; some of the variables are difficult to find in a file. For example, the parts of the vehicles of high value possess a large implication in the value of a claim, but
the availability of the data is not possible to obtain easily.

3. Loss distributions are generally of long tail, generally move away of conditions of normality and from time to time are mixed distributions.

4. The effect of the time is very important, a risk can be good today but can change tomorrow.

5. The great majority of the variables in insurances are categorical and it is necessary to create models that use them adequate.

6. The contracts in insurances possess simultaneously different covers of risk, which signifies that some groups can be good for a risk but bad for other.

7. A difference among collective and individual contracts exists, likewise the analysis of the portfolio requires of differentiations.

Classification means the possibility of getting homogeneous groups and heterogeneity identification through:
1. Gathering and organizing data, with profiles of clients and values of claim.
2. Classifying the group of assured, understanding the definition of groups and the introduction of a new client in the pre-established groups.
3. Doing Cross Validation of the classification with the data that was obtained.
4. Assigning new customers to the groups of classification with the characteristics better defined.
5. Reviewing results to find the impact of the erroneous classification. These activities have fundamental implications in the marketing orientation to the segments of better value for the business. The prices can be adapted to the exposition to inherent risk of the group.