Data driven actuarial science and financial mathematics to support the financial resiliency of Canadians

该项目的目标是开发定量金融和数据分析解决方案，使加拿大家庭能够提高其财务弹性。将最先进的精算和财务模型与我们的企业合作伙伴提供的全面专有数据集相结合，并由机器学习和数据科学的进步提供支持，我们将为加拿大人提供见解和解决方案，以帮助促进数据驱动的财务决策。我们的行业合作伙伴致力于在工作场所或家庭中广泛提供这些见解。我们的团队仅与我们的合作伙伴之一加拿大工资协会（CPA）进行的现有工作显示，即使在COVID-19大流行之前，约有三分之一的加拿大人在财务上挣扎-这些挣扎的加拿大人不仅限于一种环境，性别，甚至收入水平。我们于二零二零年对该分析的跟进显示，自COVID-19疫情开始以来，加拿大挣扎的人数增加了一倍。 这种家庭财务脆弱性给加拿大人带来了沉重的个人负担，也是我们国家在未来危机中的一个失败点。除了CPA，我们的合作伙伴还包括精算顾问Morneau Shepell，其数据可以帮助我们了解加拿大人的退休解决方案;工资提供商Ceridian，其数据将帮助我们了解收入及其时间，以及Aligned Capital Partners，其数据为加拿大人实际投资储蓄的方式提供了丰富的窗口。我们的每个合作伙伴都将能够将我们的研究结果纳入他们的实践，服务和平台，以造福成千上万的加拿大人。通过CPA，作为一个行业协会，以及我们的研究将存在于公共领域的事实，我们将利用我们的研究结果和影响远远超出我们的直接合作伙伴。

The goal of this project is to develop quantitative finance and data analytics solutions that will enable Canadian households to enhance their financial resilience. Combining state of the art actuarial and financial models with comprehensive proprietary datasets provided by our corporate partners and powered by advances in machine learning and data science, we will provide insights and solutions for Canadians to help facilitate data-driven financial decision making. Our industrial partners are committed to making these insights broadly available at the workplace or in the home. Existing work done by our team with just one of our partners, the Canadian Payroll Association (CPA), reveals that even before the COVID-19 pandemic about one in three Canadians were struggling financially -- and that these struggling Canadians were not limited to one setting, gender, or even income level. Our 2020 follow up to this analysis revealed that the number of Canadians struggling had doubled since the start of the COVID-19 pandemic. This family financial fragility exacts a heavy personal toll on Canadians and represents a failure point for our nation in future crises. In addition to the CPA, our partners encompass actuarial consultant Morneau Shepell, whose data can help us understand Canadians' retirement solutions; payroll provider Ceridian, whose data will help us understand income and its timing, and Aligned Capital Partners, whose data provides a rich window into the way Canadians actually invest their savings. Each of our partners will be able to incorporate our findings into their practices, services and platforms to the benefit of thousands of Canadians. Through the CPA, as an industry association, and the fact that our research will reside in the public domain, we will leverage our findings and impact well beyond our immediate partners.