Many, many companies have built very sophisticated Data Warehouses -They should start using what they’ve got a little more effectively before moving on to tougher things!
So there I was in an ICA store in Stockholm, a huge trolley of goods for the weekend and dead pleased that eventually I got to the front of the queue. It was Saturday, everyone was in a hurry to get home after queuing for ages on the Stockholm motor ways. My partner was diligently packing the goods because it was my turn to pay so imagine my horror when my debit card was rejected – not once, but three times. Crikey, everyone was looking at me as if I was some sort of crook. Well luckily my partners AMEX card came to the rescue but imagine my concern. I kept thinking of the £20k balance in my account and wondering what had happened to it.
In panic on the way home I missed an incoming SMS but got the second when I got back and was horrified to see the number of my bank come up – well I assumed this, as in fact it was actually some random call centre somewhere on planet Earth. I answered it (at my cost as I was roaming) to be told that this was a routine security check because the behavior on my card had proved concerning (to who and why is a mystery as you will see). I was asked to agree the last few transactions of my card to verify that these were correct and not fraudulent: They were:
Currency exchange (at Heathrow)
A purchase at Heathrow of around £30 (two bottles of champers)
Purchase of an airline ticket – UK to Sweden.
Well I confirmed all of this and was simply informed that my card would now start working again – no explanation, no nothing – unbelievable. My card had been refused at a grocery but imagine what could have happened!
Now you might ask yourself a question, why is this guy moaning about this? Well why I’m moaning is that for the two years previous to this incident I had been travelling to Sweden at least once every six weeks – I invariably change money, always buy champagne and always buy an air ticket so why did my bank see this as unusual? Why weren’t they using some system to check that in fact this was quite a usual style of activity – nothing unusual here? Why has this bank got the authority to arbitrarily stop me using my own money, none the less in such an preposterous manner?
Well, the bank I am talking about was a pioneer in Data Warehousing so I’m just wondering why this event happened when I know that they diligently record all my transactions and store them in a DW whilst apparently failing to understand their meaning. No need for Hadoop here!!!!