Yabuki is doubling down on a risky bet that banks will be able and willing to spend on new technologies.

FORBES: Global 2000

Yabuki is pushing his quants to come up with a more accurate system for assessing the risk of one consumer compared with another.

FORBES: Global 2000

Over the last year and a half Yabuki's engineers have been mapping out where potentially useful bits of information reside across Fiserv's disparate software systems.

FORBES: Global 2000

Yabuki believes that more granular information--how people are using their bank accounts, online bill-pay service, debit cards and credit cards--will make predictions of default rates more accurate.

FORBES: Global 2000

He is Susumu Yabuki, professor emeritus of Yokohama City University.

FORBES: Connect

Much of the savings Yabuki promises will come from tools that have yet to be developed--systems aimed at helping banks better manage risk and sell lucrative products to existing clients.

FORBES: Global 2000

Yabuki's pitch to beleaguered banks: The technology he's investing in just might increase the profitability of a bank customer by a factor of five to seven times over what it is today.

FORBES: Global 2000

"Banks aren't going away, " says Yabuki.

FORBES: Global 2000