Use Case AssignmentQ. Develop Business USE CASE's for:-1. Home Loan - Customer Analysis2. Car Loan - Customer Analysis3. Online purchasing behavior using Credit Card - Customer Analysis4. Transport Mode AnalysisAnswer:- 1. Home Loan Customer Analysisa. Problem Whom to sanction a home loan?b. Behavior How to analyze the customers credit behavior. Their income, loan repayment capability. Use of NOCs from other banks, previous credit history, account with same bank etc.c. Complications What methods to use in clearing a customers application? How much amount to be sanctioned, interest rate, payback period, bank guarantee, etc.d. Impact How it will impact banks business and customers relation with the bank? Can the credit risk be minimized? Giving loans to profitable and trustworthy customers.e. Background Bank willing to issue loans in large numbers to enlarge their business, but at the same time trying to reduce the default risk and increasing the interest income.f. Conditions Home loan market is upbeat, with economy on rise. Market sentiment is also good for business. More and more new customers are willing to have their own home especially in urban areas, thus favorable opportunity for banks to offer them lucrative home loan offers, but at the same time trying to keep a check on fraudulent customers.

2. Car Loan Customer Analysisa. Problem Whom to sanction a car loan?b. Behavior How to analyze the customers budget. Here also we can use the same methods used for home loan for finding other financial habits of customer. But in case of car loans, we are not bothered about any mortgage or bank guarantee until unless the amount is too big.c. Complications How stringent should be the loan issuing process. On what bases clear a customers application? How much amount to be sanctioned, interest rate, payback period etc.d. Impact What kind of impact car loan can have on banks business and customers relation with the bank? As car loans are generally short term loans, how it will affect the overall profitability.e. Background Bank willing to issue loans in large numbers to enlarge their business, but at the same time trying to reduce the default risk and increasing the interest income.f. Conditions Car loan market is huge as generally people buy cars on loans as market returns are normally better than interest rates prevalent in market and they are short term. So, it is well known that every year banks will add more and more new customers, but the challenge is to find out the correct customer and sanction the loan and do away with less reliable customers.

3. On line purchasing behavior using credit card Customer Analysisa. Problem Which customer will use credit card for its purchases and what kind of transactions, what kind of items, what legal things are attached to it?b. Behavior Predicting users behavior on the basis of its past purchases on a specific site. Since credit card culture is on rise, companies must put a credit card option in their payment methods.c. Complications Security measures to be put in place, payment clearing form the bank, payment gateway provider, ensuring maximum up time, what transactions to allow, detecting frequent similar transactions etc.d. Impact What kind of impact it will have on customers spending. What are buying patterns when credit card is used and other means are used? Is credit card usage beneficial for the company?e. Background Increased Usage of credit card a result of booming economy and affluent middle class.f. Conditions Using credit cards has become a status symbol over a period of time. More and more people are supposed to use credit cards for their online purchases. Thus companies need to take care of the service they are providing with respect to that. Also they can ease up the process by offering to remember the credit card nos. and other details etc. Other measures like providing more security and using a better payment gateway will also help.

4. Transport Mode Analysisa. Problem What mode of transport will be used by a customer and when?b. Behavior Predicting travellers behavior on his/her travels pattern and usage of mode of transport. His/her dependence on particular mode of transport on the basis of region, city, weather and other factors.c. Complications It is very difficult to provide a tourist service on the basis of his requirement when so many factors are involved. There is need of decision making that when, where he/she will require what kind of mode of transport. Lets say for example it can be safari jeep during adventure trips, luxurious cars/flights/trains/AC Buses during long trips, taxi or auto for local travel etc.d. Impact Predicting the usage behavior will impact both the user and the service provider. It will enhance the service, while at the same time this will translate into easier access to desired mode of transport to the traveller.e. Background People move around on regular basis and also ceremoniously during the vacations specially. Now a day as every industry is crossing all limits and introducing new and better ways to serve its customers, it will be very helpful to the tour and travel as well transportation service provider companies knowing what their customer may demand at a given place in a given time.f. Conditions The conditions are not as viable for such kind of service right now because of unstructured nature of the industry. No data what so ever is stored. Off late with advent of online booking sites for travel has provided a glimpse of hope. But only knowing customer wont help. One must design and develop models to help and support making the travel experience more enriching.