Capabilities Summaries and White Papers

• First-Party Fraud: Busting Bust-Outs with Advanced Analytics

  "Bust out" fraud is a complex game of good appearances and bad actions, but advanced analytics can make sure lenders are on the right side of "Gotcha!"

• ACH and Wire Fraud: Advanced Anomaly Detection to Find and Stop Costly Attacks

  Instead of relying on neural network models that focus on information that's not always available, Opera provides highly sophisticated anomaly detection techniques that can identify unusual activity in time for companies to act.

• Reinventing the Underwriting Paradigm: What's Now Possible in a Big Data World (White Paper)

  Big Data has had a big impact on underwriting, too. We took a close — and comprehensive — look at the next generation of underwriting and at what advanced analytics can contribute.

• Collections: Reducing Charge-offs with Advanced Analytics (White Paper)

  As delinquent patrons continue to shift their methods to evade collections, it's clear that a new paradigm must emerge to bring collections performance up to speed. Through Opera's procedures and advanced analytics, we're taking on that challenge.

• Collections Diagnostic in Action

  You want reduced credit reserves and charge-offs, but before you're off to the races you should map out where you currently stand. With Opera, you can fully assess performance and act to make substantial improvements.

• More About Mobiuss™

  With complex, toxic assets, Mobiuss shines a light into an area that was originally as clear as mud. With the powerful combination of professional knowledge and advanced analytics, users can quickly determine an asset's appropriate market value.

• Optimizing Government Procurement: Helping Government Entities Realize Significant Savings on What They Buy

  Local officials often have their doubts, but the same advanced analytics that find procurement and other savings in the private sector can do the same for their departments.

• Government Solutions: Achieving Significant Savings Through Analytics

  Governments, which are typically known for splintered spending and limited procurement capabilities, can use advanced analytics to make their budgets go a lot further.

• Procurement Optimization: Realizing Savings for Local UK Governments

  Using the same methods applied to the private sector, Opera can successfully find significant savings in public sector spending thereby meeting budget constraints while fulfilling government's many roles.

• National Security: Adding Predictive Analytics to the Tradecraft Arsenal

  The same predictive analytics capabilities that allow us to find and act on signals for financial institutions can be used in security and defense applications.

• Anti-Money Laundering: Enhancing Effectiveness with Anomaly Detection, Rules, and Link Analysis

  As criminals take advantage of an uneven playing field, Opera has raised the bar, with advanced analytics, to bring law enforcement into the 21st century.

• Tax Collection: Using Advanced Analytics to Increase Collections

  Taking lessons learned in the private sector, Opera can teach collectors a thing or two, and optimize collections, thanks to advanced analytics.

• Higher Education: Maintaining Educational Standards Through Procurement Optimization

  Opera's knowledge of procurement optimization teaches educational institutions how to improve their finances without tuition hikes, faculty cuts, and decreased scholarship opportunities for students.

• Education Solutions: Curriculum Development, Drop-out Reduction, and Teacher Assessment Optimization

  We studied hard for the lessons we learned in the private sector, and now we're applying them to better education.

• Retailing: Increasing Revenue and Profit with Advanced Analytics

  While retailers face growing challenges and a tougher economic climate, Opera can help by turning Big Data into actionable insights so the right patrons receive the right products, services, messages, and pricing, at the right time, and through the right channels.

• Transformative Analytics: The Next Level in Predicting and Shaping Consumer Behavior

  New, powerful techniques are transforming companies' abilities to engage their patrons and predict their customer's behavior through the use of advanced analytics, which are providing competitive advantage for early adopters.

• Procurement Analytics: Reducing Costs All Along the Supply Chain

  Armed with decades of experience, Opera's supply chain management experts use world-class techniques to gather, cleanse, and normalize spend data. But that's not all, Opera goes even further with our in-depth domain knowledge and detailed drill downs into invoice line-item spend data, which fleshes out all of the opportunities for your business.

• Marketing and Advertising: Finding Savings Opportunities in Agency Spend (UK)

  The cost of advertising goes far beyond what's spent on media. Today, analytic techniques can identify savings opportunities in marketing outlays ranging from staffing to materials purchases.

• Procurement Optimization: Increasing Visibility and Maximizing Savings

  Opera's Insight Cube technology provides granular information on spending right down to the invoice level — information most companies never had in such accurate, actionable detail.

• Supply Chain: Improving Performance in Pricing, Planning, and Sourcing (UK)

  In this opinion paper, Nigel Issa, who leads Opera's European Supply Chain Solutions group, details why supply chain teams need to seek an advanced analytics capability to create P&L-impacting visibility into its operations.

• Procurement Optimization: Achieving Rapid Results for New CFOs

  For a new CFO, the first 100 days can define the rest of their tenure. Opera can help CFOs get started on the right foot by focusing on two key drivers of tangible profit improvement.

• Supply Chain: Making Mergers Work

  With approximately half of all mergers failing to break their forecasted savings and revenue increases, Opera has been able to place laser-sharp focus on two elements that can bring in the right kinds of cash flows.

• More About BIQ™

  BIQ was developed to make the analysis of large, complex data sets easier for business users. With just a couple of clicks, Opera has made slicing and dicing massive data sets a reality.

• Automotive Solutions: Applying Advanced Analytics Throughout the Automotive Lifecycle

  Advanced analytics can turbocharge automakers with more effective promotions, greater customer loyalty, and increased profit from auctions.

• Credit & Risk Solutions for the Auto Industry

  Acting as your guardrail, Opera combines deep credit and risk expertise with advanced analytics to improve performance across the credit risk, customer management, and collections lifecycle.

• Maximizing Inventory Value for the Auto Industry

  When automotive inventory builds up, dollars are lost for captive car companies and financial institutions. To minimize potential losses, Opera applies advanced analytic solutions to provide the best returns in the automotive resale market.

• Optimizing Marketing Investment for the Auto Industry

  At Opera we take a "bottom-up" approach, coupled with advanced analytics, in order to better understand individual customers and increase the effectiveness of a firm's marketing spend.

• Auto Auction Pricing Optimizer Dashboard in Action

  Put down that hefty block report and pick up a tablet. With real-time updates and vehicle-specific information at your fingertips, Opera's Auto Auction dashboard has helped increase sales and decrease time spent in inventories.