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Multilevel Modelling of U.S. Home Loan Data

The housing market has undergone quite a change in the past decade, with more stringent lending criteria for housing having been enforced. A key objective of financial institutions is to minimise the risk of mortgage lending by ensuring that the debtor is ultimately able to repay the loan. In this example, multilevel modelling techniques are used to analyse data from the Federal Home Loan Bank System to determine the main influencing factors on loan-to-value ratios (LTVs) across the United States. As a disclaimer - the below is not intended as any form of financial advice and is merely used as an example to illustrate the workings of the relevant models. The dataset in question is 55990 rows × 82 columns, and the first task is to conduct feature selection to ensure that the most relevant explanatory variables are selected for further analysis. To this end, the ExtraTreesClassifier is run in Python...
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Role Conflicts and Deviant Behaviours

It has been suggested the role conflicts can lead to poorer performance in the workplace.  Below I present the general dynamics: more role conflicts equate to less performance. Performance can be expressed empirically - as in the case above using a formal scoring scheme.  On the other hand, a qualitative approach can be used: using this alternate methodology, apart from performance being lower, it should be apparent that there is also a noticeable level of deviant behaviour associated with role conflicts. There are a number of deviant aspects I left out of the table only because they require preamble to explain: e.g. instrumentalism involves the exploitation of clients for self-serving purposes. Going further with this analysis, consider how an employee might position him or herself in relation to clients and other coworkers in order to mask the deviance.  How does one attempt to conceal something inappropriate to maintain the relationship?  I...
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Fine grained analysis of K- mean clustering and where we are using it

K-means is a centroid based algorithm that means points are grouped in a cluster according to the distance(mostly Euclidean) from centroid. Centroid-based Clustering Centroid-based clustering organizes the data into non-hierarchical clusters, in contrast to hierarchical clustering defined below. k-means is the most widely-used centroid-based clustering algorithm. Centroid-based algorithms are efficient but sensitive to initial conditions and outliers. This course focuses on k-means because it is an efficient, effective, and simple clustering algorithm. Google To cluster your data, you’ll follow these steps: Prepare data.Create similarity metric.Run clustering algorithm.Interpret results and adjust your clustering. This page briefly introduces the steps. We’ll go into depth in subsequent sections. Google Prepare Your Data: in case of clustering Yours rows should be your observations and columns should be your Variables.You can’t afford missing values in your dataset if you have too many missing value in any observation remove it like your bad habits and if its few...
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Microsoft Azure ML Studio – A Tutorial on How to Create a Churn Model in No Time

In this article, we will see how we can implement a simple customer churn model that is built by using Azure Machine Learning studio. This article will give us a starting point to understand how Azure ML based models are created and deployed in the most easy to understand manner. The experiment (Azure ML Model terminology) that I will refer to is based on a dummy customer data and is readily available on Azure ML Studio AI Gallery. Understanding the Churn Problem In today’s competitive world, businesses are dealing with behemoth problem of customer churn forcing businesses to take policy and product related decisions, which as a result, often leads to financial losses. To tackle this problem of “Customer Churn” a lot of businesses are creating and deploying various predictive models to quarantine potential churners by devising outreach programs once these populations are identified with the help of these models. In...
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Discover NVIDIA Jetson Nano Developer Kit Ports and Connectors

Here’s a look at the NVIDIA Jetson Nano Developer Kit hardware to help those looking to get started with the platform. In short, the Developer Kit is made up of the developer kit carrier board, and an NVIDIA Jetson Nano module. Together these two components make up the full NVIDIA Jetson Nano Developer Kit. Let’s look at the hardware of the boards. In a previous article, I covered what the hardware specs (CPU, Memory, GPU, etc.) of the NIVIDA Jetson Nano ; with a comparison to the Raspberry Pi 4. This article will take you through a look at the hardware of the physical boards; such as ports, GPIO, and the Jetson Nano module. Developer Kit Carrier Board The NVIDIA Jetson Nano Developer Kit when purchased includes two boards connected in the box. These boards are 1) the Carrier Board, and 2) the Jetson Nano Module. Here’s a layout and description...
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Q2 2019 SolutionMap: Sourcing, Analytics, SRM and CLM software providers’ scoring summary reports now available

Spend Matters recently released its Q2 2019 SolutionMap procurement technology benchmark rankings of 54 procurement software companies across 12 solution categories. As part of the Q2 2019 SolutionMap release, the Sourcing, Spend & Procurement Analytics, Supplier Relationship Management (SRM) & Risk, and Contract Lifecycle Management (CLM) Provider Scoring Summary reports are available today on SolutionMap Insider . For the Sourcing report, click here For the Spend & Procurement Analytics report, click here For the Supplier Relationship Management (SRM) & Risk report, click here For the Contract Lifecycle Management (CLM) report, click here What is a Provider Scoring Summary? SolutionMap Provider Scoring Summaries are released quarterly alongside the latest SolutionMap rankings for a more nuanced performance view of each ranked provider. The summary solution scoring contains a breakdown of a provider’s scores relative to the overall average for a selection of sub-category requirements and capabilities (click on the thumbnail to view a sample page)....
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SpendHQ’s customer reviews are in the new SolutionMap Customer Insights report

This week’s SolutionMap Customer Insights report focuses on customer reviews for SpendHQ , a specialist in analyzing spend data that uses cloud-based software to organize and remove unnecessary data and provide spend visibility. Its applicable SolutionMap category for this report is in Spend Analytics. SolutionMap Insider members can click here to read about SpendHQ  in our latest report. In each Customer Insights report, we provide a one-page summary of qualitative — and select rating and quantitative — insights from the SolutionMap peer review process. The Customer Insights summary includes ratings on how well the vendor meets user expectations, three key differentiators for the vendor and a list of quotes about the vendor’s greatest strengths. (The users’ names and companies are kept anonymous.) With the Customer Insights report, we are taking a deeper look into our SolutionMap database, which ranks providers in the marketplace according to their capabilities and their customers’ reviews...
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End to End Model of Data Analysis & Prediction using Python on SAP HANA data

This blog post helps to connect with SAP HANA DB (Version 1.0 SPS12) then extract the data from HANA table/View and analyze the data using Python Pandas library. Then you can clean and select independent variables/features data to feed the Machine learning algorithms to predict dependent variables or find insights. Scenario: I am taking the state wise startup company’s expenditure (R&D Spend, Administration Spend, and Marketing Spend) and profit data Source of the data in SAP HANA DB. Goal is to predict the Profit for the given set of expenditure values. I am not explaining details about the ML Algorithm and the parameter tuning here. I would like to show the end to end process of Data extraction from SAP HANA DB, analyzing, cleaning, feature selection, and applying machine learning model and finally write back the results and ML algorithm performance metrics to the HANA tables. The linear regression is the...
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IDP – Employee Central: Managing Pay Scale Progression

Introduction Industries that are unionized, work according to agreements made in collective bargaining between the labor union and the employer(s). Collective agreements drive the way non-exempt employees get compensated based on age, seniority, time in each pay grade, number of work hours etc., It also defines the criteria of when an employee is eligible to move to a higher pay grade. To legally comply with the collective agreement, employers need to move workforce through the pay structure as and when employees become eligible. The eligibility and timing is typically based on complex calculation rules. The process when executed will move the employee to the next level in the pay structure and also update their compensation to reflect the pay rate as defined in the new pay grade/level. This automatic movement of employees to the next higher pay level is called as Grade Step Progression or Pay Scale Progression or Pay Scale...
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SAP Commerce vs Salesforce Commerce: Better Option?

While talking about e-commerce platform we have a wide range of systems that can overcome our needs. So deciding which one is best may be difficult. This blog is a comparison of two key systems that are more often compared Sap Commerce and Salesforce Commerce Cloud based on their platform functionality,  architectural flexibility, B2B/B2C capabilities, omnichannel commerce and pricing model. Platform Functionality: Salesforce Commerce cloud has most of the e-commerce functionalities built into their system like omnichannel capabilities, internalisation and catalog management capabilities which are incorporated with machine learning, in-line reporting and personalisation via Einstien.  It also has access to all the tools present in the Salesforce system.  However, Commerce Cloud comes from Demandware acquisition which was not built for Force.com so has not yet been fully integrated with other Salesforce products. This should be researched whether the useful tools for business are propped by Salesforce Commerce Cloud or not. If...
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Fiori for SAP S/4HANA – Identifying the OData Services, CDS Views, and Authorizations of a SAP Fiori App

This blog post explains how to identify the underlying components of a Fiori app From time to time, you may need to find out what OData Services, CDS Views and Authorizations are used by a specific SAP Fiori app.  For example, you may need this to: Build your security profilesPlan an extensionTroubleshoot an issue There are 2 ways to confirm this: Via the Fiori Apps LibraryVia the app’s manifest.json file Option 1 – Fiori Apps Library In the Fiori Apps Library, find the Fiori app you are interested in. For the specific Fiori app, in the Detail View go to the Implementation Information tab > Configuration section >  see list of OData Services Example: Supply Chain Visualization for Transportation Scheduler (Oil & Gas) https://fioriappslibrary.hana.ondemand.com/sap/fix/externalViewer/#/detail/Apps(‘F2737’)/S13OP   If you want to see all the OData Services for all your Fiori apps, you can also view & download this using the List View Just...
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SAP Marketing Cloud Free Trial 1905 – Now Available

We are happy to announce that the new SAP Marketing Cloud Free Trial, version 1905, is live now!  Get a User One of the main modifications with 1905 is Account-based Marketing (ABM). ABM is a strategy that coordinates marketing and sales activities to drive business growth with a targeted set of accounts. These are brought to scale through enabling marketing automation tools and technology.  Phases in ABM  ABM consists of five phases. You will run through these phases starting on account level and then iterating on demand unit level including the contacts that matter within the accounts.  Identify Accounts One of the big challenges of the ABM process is the identification of the relevant contacts. In SAP Marketing Cloud, this task is covered by the Discover Demand Unit app. The contacts in a demand unit all share the same interest and are identified by their engagement with that interest. Based on these different interests, the system generates intelligent proposals...
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Strategic Sourcing Application Suites Market: Drivers is Responsible to for Increasing Market Share, Forecast 2024 - A Technology Market

“Detailed information about Strategic Sourcing Application Suites Industry Strategic Sourcing Application Suites market research is provided on past, current and anticipated market situations, market drivers, trends driving it, and the challenges faced by the market which will help in deciding corporate strategy, product strategy, marketing strategy and sales strategy. Furthermore, the report provides insightful and comprehensive information in consideration of the different industry pioneers, including their revenue details, technological advancements, innovations, key developments, SWOT analysis, mergers & applications, future strategies, and market footprint. On the basis of segmentation, the market has been classified into product type, the technologies used, end-user, industry vertical, and geography. Request a Sample Report @  https://marketresearchvision.com/request-sample/96133 Strategic sourcing application suites are a set of related, integrated solutions that support upstream procurement activities; in other words, the strategic work the procurement team does for planning, assessment and performance management. Strategic sourcing application suites are used primarily by companies with $800...
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SaaS-based Expense Management Market to Witness a Pronounce Growth During 2024: Concur Technologies, SAP Ariba, IBM, Infor, Oracle - News Exterior

SaaS-based Expense Management Market 2019-2024 report offers a comprehensive valuation of the marketplace. It does so via in-depth comprehensions, grateful market growth by pursuing past developments, and studying the present situation and future forecasts based on progressive and likely areas. The main goal of Global SaaS-based Expense Management Market report is to provide a clear picture and a better understanding of the market. Sample PDF Brochure @ https://www.reportsintellect.com/sample-request/706537 Top Most Companies: Concur Technologies, SAP Ariba, IBM, Infor, Oracle, SumTotal Systems, SuitSoft  Report Detail Reports Intellect projects detail SaaS-based Expense Management Market based on elite players, present, past and futuristic data which will offer as a profitable guide for all SaaS-based Expense Management Market competitors. The overall analysis SaaS-based Expense Management covers an overview of the industry policies, the cost structure of the products available in the market, and their manufacturing chain. Product Type Coverage:- Travel & Expense Management, Telecom Expense Management, Others Product Application Coverage:- Small...
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Vendor Management Software Market 2019 Strategic Assessments – IBM Emptoris, Intelex Technologies, MasterControl - Worldwide Market

Global Vendor Management Software Market Size, Status And Forecast 2019-2025 The report provides a comprehensive Vendor Management Software Market analysis and forecast along with the recent trends influencing the Vendor Management Software Market. While highlighting the key driving and restraining forces for this market, the report also provides a detailed study of the future trends and developments of the market. It also examines the role of the leading market players involved in the industry including their corporate overview, financials, financial summary and SWOT analysis The analysts global Vendor Management Software Market to grow at a CAGR of 12.65% during the forecast period 2019-2025. This report presents the worldwide Vendor Management Software market size (value, production and consumption), splits the breakdown (data status 2014-2019 and forecast to 2025), by Companies, region, type and application. Top Companies : IBM Emptoris, Intelex Technologies, MasterControl, MetricStream, SAP Ariba, Adjuno, ConnXus, Coupa Software, Determine, Deskera, EBid...
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Could SAP SE (SAP) Go Down After Touching All Time High? - The MAK Daily

The stock of SAP SE (NYSE:SAP) reached all time high today, Jul, 2 and still has $146.37 target or 5.00 % above today’s $139.40 share price. This indicates more upside for the $165.05B company. This technical setup was reported by Barchart.com . If the $146.37 PT is reached, the company will be worth $8.25B more. Trading stocks at an all time highs is usually a winning strategy. An all time high points to a stock which has the most positive fundamentals ever. Even thought the pullback rate is high, if correct risk management is utilized, investors can trade very well such events. The stock increased 0.80% or $1.1 during the last trading session, reaching $139.4. About 834,574 shares traded. SAP SE (NYSE:SAP) has risen 9.53% since July 2, 2018 and is uptrending. It has outperformed by 5.10% the S&P500. Analysts await SAP SE (NYSE:SAP) to report earnings on July, 18 before...
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SAP SE (SAP) EPS Estimated At $1.09 - The MAK Daily

Analysts expect SAP SE (NYSE:SAP) to report $1.09 EPS on July, 18 before the open.They anticipate $0.24 EPS change or 28.24 % from last quarter’s $0.85 EPS. SAP’s profit would be $1.31B giving it 31.72 P/E if the $1.09 EPS is correct. After having $0.63 EPS previously, SAP SE’s analysts see 73.02 % EPS growth. The stock increased 1.10% or $1.5 during the last trading session, reaching $138.3. About 2.37 million shares traded or 143.19% up from the average. SAP SE (NYSE:SAP) has risen 9.53% since July 2, 2018 and is uptrending. It has outperformed by 5.10% the S&P500. Among 3 analysts covering SAP ( NYSE:SAP ), 2 have Buy rating, 0 Sell and 1 Hold. Therefore 67% are positive. SAP had 6 analyst reports since February 4, 2019 according to SRatingsIntel. The stock of SAP SE (NYSE:SAP) earned “Market Outperform” rating by JMP Securities on Thursday, April 25. The stock...
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Global SaaS-Based Expense Management Market Growth,Trends, Challenges and Factors 2028 - Honest Journalist

Recently published Report on Global SaaS-Based Expense Management Market 2019-2028 provides all the major trends and technologies performing a major role in the SaaS-Based Expense Management Market development during the forecast period. Research report studies market size, latest trends, drivers, threats, opportunities, as well as key market segments and different geographic regions, the forecast for the next ten years. The detailed quantitative and qualitative assessment of the global saas-based expense management market is the basic foundation of this report. The SaaS-Based Expense Management market analysts who have authored this analysis follow a unique set of primary and secondary research techniques and tools to present information and data in the most reliable and most precise manner possible. The saas-based expense management report has some of the strategic policies and industrial norms much needed for the growth and development of the market written down as well. In the current report, all the factors...
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Women in Security: Honorable Mention - SC Magazine

Camille Jackson, information security analyst, Tenable Camille Jackson is a security analyst at Tenable who has 18 years of IT industry experience under her belt and has long been an advocate of early childhood exposure to STEM opportunities. Jackson worked her way up from tech support to working on a full-scale cybersecurity team and is currently responsible for monitoring network activity for anomalous behavior and investigating potential security compromises. Jackson has also authored blog posts on improving diversity in cybersecurity and was named the Minority Practitioner of the Year by The International Consortium of Minority Cyber Security Professionals (ICMCP) in 2017. She has also served in various positions at the Department of Energy. Rose Elliott, senior director, product engineering, Tenable RoseElliott is a senior director of product engineering at Tenable who leads a teamof 35 people. Her 20 years of experience have been spread across the likes ofhigh-profile companies including PayPal,...
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Tableau Software (NYSE:DATA) & SAP (NYSE:SAP) Financial Comparison - Tech Know Bits

SAP ( NYSE:SAP ) and Tableau Software ( NYSE:DATA ) are both large-cap computer and technology companies, but which is the superior business? We will compare the two companies based on the strength of their risk, analyst recommendations, valuation, profitability, dividends, earnings and institutional ownership. Analyst Ratings Get SAP alerts: This is a summary of recent recommendations and price targets for SAP and Tableau Software, as reported by MarketBeat. Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score SAP 0 6 9 0 2.60 Tableau Software 0 13 7 0 2.35 SAP currently has a consensus target price of $112.88, suggesting a potential downside of 17.49%. Tableau Software has a consensus target price of $145.26, suggesting a potential downside of 12.50%. Given Tableau Software’s higher probable upside, analysts plainly believe Tableau Software is more favorable than SAP. Volatility and Risk SAP has a beta of 1.04, meaning that its...
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SAP Ariba: using collaboration to unlock the power of the ecosystem | Leadership - Business Chief

Progress is a cyclical journey. Creation leads to hype, which leads to a bubble, followed by a return to earth and, finally, true adoption and advancement of the market. With the perspective of over 20 years in the business intelligence leadership space, Sean Thompson, Senior Vice President of Business Network and Ecosystem at SAP Ariba and SAP Fieldglass, is familiar with the process. Having witnessed and been deeply involved in major technological cycles like natural language processing, ecommerce and now the Big Data boom, Thompson is well aware of the key strategies that help push the envelope and work towards lasting growth. “As the gray haired guy in the room, looking around and having seen different cycles unfold, "It's an amazing time to be alive in the software business,” he reflects. “My career has been a journey that has, in many ways, come full circle.” We sat down with Thompson to...
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Online Expense Management Software Market Competitive Share & Forecast 2019 |Key players- Concur Technologies, SAP Ariba, IBM - Market Research Gazette

Global Online Expense Management Software Market Overview: The latest report up for sale by QY Research demonstrates that the global Online Expense Management Software market is likely to garner a great pace in the coming years. Analysts have scrutinized the market drivers, confinements, risks, and openings present in the overall market. The report shows course the market is expected to take in the coming years along with its estimations. The careful examination is aimed at understanding of the course of the market. The global market for Online Expense Management Software is segmented on the basis of product, type, services, and technology. All of these segments have been studied individually. The detailed investigation allows assessment of the factors influencing the market. Experts have analyzed the nature of development, investments in research and development, changing consumption patterns, and a growing number of applications. In addition, analysts have also evaluated the changing economics around...
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Reviewing SAP SE (SAP)'s and Synchronoss Technologies Inc. (NASDAQ:SNCR)'s results - Stocks Beat

This is therefore a comparing of the dividends, analyst recommendations, profitability, risk, earnings and valuation, institutional ownership in SAP SE (NYSE:SAP) and Synchronoss Technologies Inc. (NASDAQ:SNCR). The two are both Application Software companies that compete with one another. Earnings and Valuation Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio SAP SE 114 0.00 N/A 3.06 41.18 Synchronoss Technologies Inc. 7 0.97 N/A -6.54 0.00 Table 1 shows the gross revenue, earnings per share (EPS) and valuation for SAP SE and Synchronoss Technologies Inc. Profitability Table 2 provides the net margins, return on assets and return on equity of the two firms. Net Margins Return on Equity Return on Assets SAP SE 0.00% 11.8% 6.4% Synchronoss Technologies Inc. 0.00% -43.2% -14.9% Volatility & Risk SAP SE has a beta of 1.08 and its 8.00% more volatile than Standard & Poor’s 500. Competitively, Synchronoss Technologies Inc.’s beta is 0.57 which...
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SaaS-based Expense Management Market 2019-2026 by Concur, SAP Ariba, IBM, Infor, Oracle, SumTotal Systems, SuitSoft - Market Research Gazette

Description Global SaaS-based Expense Management Market valued approximately USD XX million in 2018 is anticipated to grow with a healthy growth rate of more than XX% over the forecast period 2019-2026. The SaaS-based Expense Management Market is continuously growing in the global scenario at significant pace. SaaS-based expense management includes the deployment of expense management systems as a web-based subscription service. This system helps in controlling and monitoring expense reports, thereby streamlining the business process and preventing fraud and human error. It also increases visibility across the entire reimbursement claim process, reducing travel costs and improving the efficiency of enterprises. The SaaS-based system is operated by a third-party organization as opposed to the installation and maintenance of an on-site business system. SaaS-based expense management has succeeded in changing the procurement of expense management systems from a capital expenditure to a pay-per-use subscription arrangement. Rising need to reduce expenses and operational costs...
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India- Identify Hidden Opportunities Of SaaS-based Expense Management Market| IBM, Infor, Oracle - MENAFN.COM

(MENAFN - GetNews) Stay up-to-date with SaaS-based Expense Management Market research offered by HTF MI. Check how key trends and emerging drivers are shaping this industry growth. HTF MI released a new market study on Global SaaS-based Expense Management Market with 100+ market data Tables, Pie Chat, Graphs & Figures spread through Pages and easy to understand detailed analysis. At present, the market is developing its presence. The Research report presents a complete assessment of the Market and contains a future trend, current growth factors, attentive opinions, facts, and industry validated market data. The research study provides estimates for Global SaaS-based Expense Management Forecast till 2025*. Some are the key players taken under coverage for this study are Concur Technologies, SAP Ariba, IBM, Infor, Oracle, SumTotal Systems & SuitSoft. Click to get Global SaaS-based Expense Management Market Research Sample PDF Copy Here @:  https://www.htfmarketreport.com/sample-report/1993879-global-saas-based-expense-management-market-size-study-by-type Important Features that are under offering &...
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