Part 9/12:

• Capital One’s strategic focus on this insight enabled it to capture significant market share by approving higher credit lines for balance transfer customers, illustrating how counterintuitive data can unlock competitive advantages.

Encouraging teams to embrace counterintuitive findings and investigate them deeply is crucial for breakthrough innovations.

Integrative Business and Data Understanding

A gap persists between data science models and frontline operational needs:

• Data scientists often develop models without observing or understanding the context—such as collections or credit card application processes.