Caritat has taken Campaign Management to another level.

Using our unique approach we have reduced the number of mailings by 56% while maintaining response rates of 66%.

Historical discriminating factors once thought to be essential were redefined with new information providing insight for successful 2010 campaigns (4 per year).

Complete and detailed analysis of the global mortgage portfolio to determine the causes of payment default and understand the global spectre of attributes taken into account for default analysis.

The analysis is led with the scoring team (Statistics department) to validate the scoring models and provide additional information for regulatory purposes (validation of analysis environment).

Basel II analysis for credit risk of the main corporate portfolio. Our approach identified and explained new combinations of high LGD losses based on operational ratios used for balance sheet and P&L analysis. Our approach is being implemented as a finer risk analysis tool for bank lending related issues focusing on credit risks and provisioning.

Analysis of clinical, experimental and stimulated data to identify new prognostic markers, therapeutic molecules, and improved knowledge in regulation processes. Work in progress with the Virology Laboratory of the University of Montpellier (Montpellier Teaching Hospital in the South of France).

Integrated Urban Water Management (UWM) relies on data allowing us to analyze, understand and predict the behavior of the individual water cycle components and their interactions making it possible to grasp the entirety of relations among the various components of the urban water cycle and so develop a holistic approach to solving urban water problems.