Improve marketing results and reduce acquistion costs
Approve more consumers without adjusting your risk tolerance
Strengthen and grow existing customer relationships
Collect more with improved recovery models
Understand consumer behavior over time to identify those more likely to qualify for your products and respond to offers.
Use trended data for a more accurate risk score, incorporating how an individual has changed their credit usage and payment behaviors over time.
Access additional dimensions of consumer behavior over time to understand shifts or patterns and cross-sell the right products at the right time.
Use actual payment amount data to understand which consumers likely can't or won't be able to pay, and those that will potentially yield the highest recoveries.