Overview

In today's high-tech world, all companies are striving to create business value from digital data, but the real value in data comes from how it is used to make decisions. At the end of the day, what drives the results your company achieves is the millions of decisions made every day that are influenced by customer interactions and transactions. In this groundbreaking book, Larry Rosenberger and John Nash draw on over fifty years of experience in helping companies automate, improve, and connect decisions. Using analytic techniques first pioneered by Fair Isaac Corporation, the authors clearly show how today's forward-thinking executives and managers are using analytic insights to ensure their decisions keep up with information complexity and the pace of change--especially changes in consumer behavior and attitudes, in regulations, and in competitive actions and reactions. The authors explain how making better decisions through a combination of data, mathematics, and software can lead to a more customer-centric, cost-competitive, and creative organization. Highly accessible, The Deciding Factor helps demystify the math and information technology behind decision management for the business manager who may not be a mathematics or computer science wizard. As practical as it is approachable, the book answers such questions as: How does a multinational consumer packaged-goods company build brand loyalty one person at a time? How does a consumer credit-card company process millions of transactions every second and keep fraud under control? How can a big-box retailer increase per-customer profitability? Rosenberger and Nash offer a much-needed resource for decision makers from the boardroom to the front line, a resource that provides guidance to create and unlock new sources of value from an organization's decisions.

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Reviews

"""Both companies and governments have made some poor decisions recently, and almost all would benefit from more fact-based and analytical approaches. This book provides clear methods and extensive examples for organizations that want to make better, faster, and more consistent decisions."" -- ""Thomas H. Davenport, author, Competing on Analytics"" ""Information, used correctly and creatively, can be a source of tremendous customer value, competitive advantage, and company profitability. The Deciding Factor will help you understand if you have this opportunity, and how you might seize it."" -- ""Nigel Morris, cofounder, Capital One Financial Services"" ""The secrets of the decision-making processes employed by the most successful corporations of the world are revealed in The Deciding Factor. Both corporate decision makers as well as analysts will gain invaluable insights from this treasure trove of case studies and expert guidelines."" -- ""Robert Heller, former president and CEO of VISA USA, and former governor, Federal Reserve Board"" ""There has never been a more important time in business history to truly understand both the technical strengths and conceptual weaknesses of decision analytics. If you're prepared to be serious, The Deciding Factor offers the insider's insights that matter when managing innovation risk."" -- ""Michael Schrage, author, Serious Play, and research associate, MIT Sloan School of Management"""

Author Information

Larry Rosenberger is widely recognized as an innovator in decision technology, particularly in consumer lending. Rosenberger is an analytic research fellow at FICO, a leading provider of credit scoring, decision management, and fraud detection. He holds a BS in physics from the Massachusetts Institute of Technology and an MS from the University of California, Berkeley. Coming soon... Coming soon... Scott Peterson is an actor experienced in theater, modern dance, and voice-over. He is an enrolled member of the Heron Clan of the Cayuga Tribe of the Six Nations of the Iroquois.

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