Insight, Impact, Innovation
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Many of our clients are Fortune 500 banks and financial services companies that fuel consumers’ lives and purchases around the world.

We are proud to be strategic partners that enable them to lead their markets by making smarter, faster and more accurate decisions.


Who We Serve

Top 2 Global Payment Network – Our client is one of the world's leading payment brands, generating more than $4 trillion in annual card sales volume across 179 countries, and an estimated 1.6 billion cards in circulation around the world. We provide analytic solutions that support enhanced business decisions of their member banks. We help these member banks optimize marketing spend, grow electronic payments, and enable issuers and merchants to grow their payments businesses through analytics.

Top 50 Global Bank – Our client leverages our analytics to acquire and retain better quality customers through consumer and business insights that drive smarter direct, brand and promotional marketing.

Large Retail Bank – Our client is a private bank with strength in retail and corporate banking and is committed to adopting the best industry practices internationally to achieve service excellence. We helped the bank's credit card team identify the potential for selling cards into their liability base, segmenting customers and designing products requirements.

Large global network bank – Our client is global network bank in Asia. We have provided strategic marketing analytics and consulting in CRM, campaign management, customer usage prediction, check cards, market basket analysis, customer needs segmentation, and value-add services. We partner with this client in building a variety of models to increase strategic initiative performance in managing campaign response, inactivity, up-sell and cross-sell.


Testimonial

  • Business Intelligence Manager
    Global Bank
    Fractal generated many insightful slides on their own based on their analysis of our data, which were not part of the scope/deliverable. Such slides helped us to understand our product cross-sell and customer behavior better and were thought provoking.

  • Director
    Global Payments Company
    Optimization of the model to reduce the execution time 75% and also the development of the whole model, since the beginning of the project, in SQL. Great job from the team. Although there was a resource working from India, there was a full commitment and collaboration within this engagement.

  • General Manager
    Regional European Bank
    [You] did something within [bank] which they had tried in the past to do with [another consulting firm], with a two year project and they never managed to put it into production

  • Business Leader, Cross Border Marketing
    Global Payment Provider
    Always timely and fantastic work - all the airline, tourism, client decks, business cases, results tracking, quarterly dashboards, etc. Extremely positive approach demonstrated over the last 6 months. Good collaboration and helpful attitude towards other departments as well.

  • Business Intelligence Manager
    Global Bank
    It was a pleasure working with the Fractal team. I have worked with other offshore companies but Fractal team is more diligent and proactive compared with others whom I worked with. The team had technically strong and committed individuals with good communication skills. With the guidance of  Fractal Team, the team was able to understand our needs, issues and concerns, and address them promptly, which helped us to achieve the results and complete the project successfully.

  • Innovation Leader
    Global Payments Company
    The team from the beginning have been most impressive - the best consulting engagement I have had in my career. Thanks to the team - an excellent project...we stretched them and were very demanding and they over delivered every time consistently.

  • VP, Client Insights
    Global Investment Firm
    Fractal has a deep bench strength of analytics experts, ranging from statistical modelers to data visualization. And, has expertise in implementing analytics (actually making it actionable) across multiple industries.

  • Customer Analytics
    Global Payment Provider
    I have been really impressed with the technical competence of the consultants working on this project. Not only they were always on top on the data but the speed at which they produced the analysis was superb. The best thing of working with them has been a shared enthusiasm for the project particularly as conclusions and recommendations started to emerge. Overall the project delivered exactly what I was looking for when we originally scoped the project.

  • VP, Client Insights
    Global Investment Firm
    Fractal was able to build models and deliver insights much faster than we could internally, cut time to market by about 50-75%.

  • VP, Client Insights
    Global Investment Firm
    Fractal has differentiated itself from the competition with it's leadership, it's recruiting and training program and high level of commitment to overcome operational challenges and look at long term partnership.

  • Marketing Strategy
    European Payment Provider
    The whole project has been very impressive and has more than met our expectations. I know that the market validation exercise was a bonus - which added the right credibility with the user - and I have been very pleased with the team's availability and flexibility to meet our needs.

  • Vice President
    European Financial Institution
    Having project members fly to the UK to partake in key project meetings represented a level of commitment which goes above the usual I have come to expect. Some of the results from the analysis was truly insightful and could definitely help to guide future business decisions.

  • Associate Director
    Loyalty Partner for Regional Bank
    From day one, the output from the resource exceeded than what was expected. The learning curve was next to none and the ability to get things done is also commendable.

  • Strategy and Marketing Consultant
    Global Payment Provider
    Flexibility and creativity throughout the whole project. The logic to pull insights and propose solutions was flawless and I have been very impressed by their responsiveness, professionalism and ability to deliver. Another very good project with Fractal Analytics.

  • Director of Analytics
    Global Payment Provider
    Project was very well managed. The communication, rigor in the analysis and project management were all excellent.

  • Senior Consultant, UK & Ireland
    Global Payment Provider
    The project design phase is where the service excelled being very flexible and accommodating to the clients changing need. Discussions showed deep knowledge of the cards business and a good understanding of the client.

  • Strategy and Marketing Consultant
    Global Payment Provider
    Fractal has been delivering this global benchmarking report for a few years and it has always been delivered to high levels of quality. My expectations of when it would be delivered have always been managed and the team has always been very responsive to any questions I have had. The team is always on top of things. Professional, proactive, actively managing the assignment... very good experience... again! As always, the team is a pleasure to work with.

  • Senior Consultant
    Global Payment Provider
    This project required many iterations in addition to the initially planned workflow; and the Fractal team exceeded all my expectations in terms of adjusting their timelines to that of client's. Thanks a lot.

  • VP and Head, Database Marketing
    World's leading Retail Bank
    Fractal has delivered to us powerful response models, helping us increase response rates by as much as 30%. Fractal's strong analytics capabilities and excellent understanding of the banking business, helped deliver solutions that solve real business problems effectively. Their professional approach in managing delivery ensured that our expectations were exceeded through the engagement.

Meet the Experts

Sankar Narayanan

VP, Global Consulting

Sankar Narayanan

VP, Global Consulting

Joined: 2006

Role: Reporting into the CEO, leading Fractal’s client development & consulting practice across Europe and Australia

Past experience: 12+ years of analytics/consulting experience helping 85+ organisations define, design and implement analytics road maps enabling fact based decision making. Multi market experience in designing and executing a range of visual story telling and advanced analytics to improve loyalty, increase marketing ROI, and reduce operational inefficiencies. Previously with SunGard and Sallie Mae Corp. in business analysis & product development.

Education: MBA from Indian Institute of Management, Ahmedabad and Bachelor of Engineering, Control Systems from Madras University.

Passion for analytics: Disrupt the status quo, leverage advanced techniques and simplify the analytics consumption process for faster growth, better processes, enhanced experiences and improved quality of life.