That's easy. My wife has PhD in Statistics and works for a large bank. She spends her life building predictive models using archetypes. She has made hundreds of millions in revenue for the bank but now is working with the Australia Federal Police to detect both fraud and money laundering.

According to Mastercard her bank has one of the lowest fraud rates in the world.

Most large companies could increase their revenue by millions if they only knew how to understand the data they already have. It would only take 1 or 2 seriously smart people but the limiting factor is the political will to do it.