Collections Optimization: Selected case studies throughout the collections process

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Collections Optimization: Selected case studies throughout the collections process"

Transcription

1 Collections Optimization: Selected case studies throughout the collections process Experian and the marks used herein are service marks or registered trademarks of Experian Limited. Other products and company names mentioned may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without prior written permission of Experian Limited.

2 Results for collections & customer management Select optimization case studies Collections path assignment -4% net impairment UK retail bank Collections contact strategy +10% net customer recoveries Global retail bank Cards initial limit +14% profit -9% bad debt Asia Pacific retail bank Profit based customer pricing +13% profit UK retail bank Debt collection agency allocation +10% net customer value +15% balance collected Global wireless telecoms Dialler strategy +4% net customer value +35% balance collected European debt collection agency Authorisations -50% declined transactions -15% referrals European multi-channel retailer Cards limit management 7 per account per annum profit improvement UK credit card 2014 Experian Limited. All rights reserved. 2

3 Optimise collection path decisions Case study: UK retail bank UK Retail Bank offering full suite of personal financial products Uses multiple channels for collections Net Impairment Value Outstanding More than 5m customers 4% 10m+ Assign the right path for each customer Same level (cost) of activity Minimize net impairment at constant cost Using Strategy Tree Optimization solution Predicted reduction of 4% net impairment Multi million reduction in value No increase in cost Low risk: No new collections paths created 3

4 Optimise self-cure strategies (grace days) Case study: Asian retail bank Over 25 million customers Full range of retail facilities Customer level based collection activity $1M+ 3% Earnings Self Cure Decide (1) the best period to leave customers to self cure or (2) when to place outbound calls to customers on each of the first 20 days past due Analytical challenge to predict probability to self cure given no contact and given contact Maximise Net RTO Balances Deploy strategy tree to collections system as a challenger No impact on operational processes 2% increase in RTO balance 3% increase in self cures Using Strategy Tree Optimization solution 4

5 Optimise dialler channel allocation Case study: Asian retail bank A top tier Asia-Pacific bank Credit cards portfolio $1M+ 7-14% Maximising the amount of cash collected through the dialler Annualized Payments Collected Uplift per Contact Channel By improving allocation of accounts to dialler actions (internal, outsourced call, IVR, SMS) Develop an optimised strategy to determine dialler contact channel of each account Maintain volume of accounts sent to each contact channel Annualized benefit of over $1M in payments collected Consistent uplift from optimization across all contact channels (7 14% above control) No change in total volume of accounts per contact channel 5

6 Optimise DCA allocation Case study: EMEA wireless telecom provider European telecommunications operator Over 2 million customers and a range of mobile services 10% 15% Decide which DCA to send each delinquent customer Net Customer Value Balance Collected Maximise the amount collected and increase reconnection rates Strategy Tree Optimization Segment the customers finely by demographic and behavioural groups 10% increase in net customer value Earnings for each DCA increased an average of 9% Increased the amount of balance collected from 20 to 23% Higher rate of reconnections 6

7 Optimise number of dials Case study: Debt collection agency A large European debt collection agency or debt buyer Maximising the amount of cash collected through the dialler No alteration to the total number of dials available or resource allocation Develop an optimised strategy to determine when to stop dialling each account Utilise available dials as efficiently as possible. Some accounts were dialled more, others less 30% 8% Cash Collected Connect Rate 30% increase in cash collected against a champion strategy Connect rate increased across all activity, by 8% on average Increased NPV across entire collections lifespan (subsequent collections also increase) 7

8 8

Introduction to Optimisation in Collections...2. Core elements of optimisation...4. Objective (Goal Function)...4. Decisions...4. Data...5. Models...

Introduction to Optimisation in Collections...2. Core elements of optimisation...4. Objective (Goal Function)...4. Decisions...4. Data...5. Models... Table of contents Introduction to Optimisation in Collections...2 Core elements of optimisation...4 Objective (Goal Function)...4 Decisions...4 Data...5 Models...5 Constraints...5 Opportunities to optimise

More information

Balance collections with retention for each customer. Decision Analytics for debt management in telecommunications

Balance collections with retention for each customer. Decision Analytics for debt management in telecommunications Balance collections with retention for each customer Decision Analytics for debt management in telecommunications Debt management for telecommunications The dynamic telecommunications market is seeing

More information

Optimising revenue management. The advantages of CGI Collections 360

Optimising revenue management. The advantages of CGI Collections 360 Optimising revenue management The advantages of CGI Collections 360 cgi-group.co.uk 2 As a successful business you have a clear focus on maintaining cash & liquidity. The right revenue management capability

More information

Balance collections with retention for each customer. Decision Analytics for debt management in retail banking

Balance collections with retention for each customer. Decision Analytics for debt management in retail banking Balance collections with retention for each customer Decision Analytics for debt management in retail banking Debt management for retail banking In the highly competitive retail banking environment, banks

More information

Achieving Return on Investment from Modern Revenue Management and Collection Systems. A Decision Analytics briefing paper from Experian

Achieving Return on Investment from Modern Revenue Management and Collection Systems. A Decision Analytics briefing paper from Experian Achieving Return on Investment from Modern Revenue Management and Collection Systems A Decision Analytics briefing paper from Experian August 2007 Introduction In a climate of low cost operating models

More information

The strategic approach to debt management in the telecommunications sector

The strategic approach to debt management in the telecommunications sector The strategic approach to debt management in the telecommunications sector An Experian white paper by Dan Scholey, Decision Analytics, Experian May 2008 Executive Summary By seizing opportunities to make

More information

Experian Public Sector

Experian Public Sector Experian Public Sector Making effective use of data to aid collection 30 th June 2009 Experian Limited 2009. All rights reserved. Experian and the marks used herein are service marks or registered trademarks

More information

A Decision Analytics briefing paper from Experian

A Decision Analytics briefing paper from Experian Using digital communications to competitive advantage in collections A Decision Analytics briefing paper from Experian September 2009 Introduction A key challenge facing debt collection departments is

More information

Applying the Principles of Business Intelligence to Improve Collections Performance. A Decision Analytics briefing paper from Experian

Applying the Principles of Business Intelligence to Improve Collections Performance. A Decision Analytics briefing paper from Experian Applying the Principles of Business Intelligence to Improve Collections Performance A Decision Analytics briefing paper from Experian February 2007 Introduction Deploying Business Intelligence tools within

More information

Best Practice Guide to Information Quality in the Consumer Collection Environment. A Decision Analytics briefing paper from Experian

Best Practice Guide to Information Quality in the Consumer Collection Environment. A Decision Analytics briefing paper from Experian Best Practice Guide to Information Quality in the Consumer Collection Environment A Decision Analytics briefing paper from Experian February 2009 Introduction To run an effective collection operation there

More information

NEC Contact Centres (Genesys)

NEC Contact Centres (Genesys) Customisable and scalable solutions with enhanced functionality NEC Contact Centres (Genesys) On-premise or Cloud Solutions NEC Australia nec.com.au NEC supports more than 10,000 Genesys-based agent seats

More information

Debt Collection Agencies: The Key to Improved Recoveries? A Decision Analytics briefing paper from Experian

Debt Collection Agencies: The Key to Improved Recoveries? A Decision Analytics briefing paper from Experian Debt Collection Agencies: The Key to Improved Recoveries? A Decision Analytics briefing paper from Experian June 2007 Introduction Credit lenders exploiting the use of debt collection agencies to manage

More information

Agenda: Case Study VW Credit. Change Your Reality Operational Realities Transaction volumes are increasing. PerformanceEdge

Agenda: Case Study VW Credit. Change Your Reality Operational Realities Transaction volumes are increasing. PerformanceEdge Agenda: Operational Realities Outbound Campaign Planning & Case Study Benefits of linking Campaign Management & Workforce Management Aspect Campaign Management Aspect eworkforce Management Possible ROI

More information

Neil Hayward Customer Intelligence Solutions Program Manager SAS EMEA Copyright 2003, SAS Institute Inc. All rights reserved.

Neil Hayward Customer Intelligence Solutions Program Manager SAS EMEA Copyright 2003, SAS Institute Inc. All rights reserved. SAS Marketing Optimization Neil Hayward Customer Intelligence Solutions Program Manager SAS EMEA Copyright 2003, SAS Institute Inc. All rights reserved. Business pain! I m not getting the best financial

More information

Decisioning for Telecom Customer Intimacy. Experian Telecom Analytics

Decisioning for Telecom Customer Intimacy. Experian Telecom Analytics Decisioning for Telecom Customer Intimacy Experian Telecom Analytics Turning disruption into opportunity The traditional telecom business model is being disrupted by a variety of pressures. From heightened

More information

Fraudulent accounts in collections: improve detection and reduce collector workload. An Experian briefing paper

Fraudulent accounts in collections: improve detection and reduce collector workload. An Experian briefing paper Fraudulent accounts in collections: improve detection and reduce collector workload An Experian briefing paper September 2010 1. The inter-relationship of fraud and collections The fraud and collections

More information

Visa Consulting and Analytics

Visa Consulting and Analytics Visa Consulting and Analytics Issuer Acquirer Retailer Analytics and Information services: Issuer menu Issuers - Visa data driven insights We are in a unique position to inform our clients about performance

More information

THE USE OF PREDICTIVE MODELLING TO BOOST DEBT COLLECTION EFFICIENCY

THE USE OF PREDICTIVE MODELLING TO BOOST DEBT COLLECTION EFFICIENCY CREDIT SCORING AND CREDIT CONTROL XIII EDINBURGH 28-30 AUGUST 2013 THE USE OF PREDICTIVE MODELLING TO BOOST DEBT COLLECTION EFFICIENCY MARCIN NADOLNY SAS INSTITUTE POLAND Many executives fear that the

More information

Customer contact solutions from Genesys and IBM: Improve your customers experience and reduce costs

Customer contact solutions from Genesys and IBM: Improve your customers experience and reduce costs Customer contact solutions from Genesys and IBM: Improve your customers experience and reduce costs Highlights Integrated contact centre solutions that help identify, acquire, develop and retain high

More information

Utilizing Experian next generation decision management software to bring customer management to the next level of client experience and value creation

Utilizing Experian next generation decision management software to bring customer management to the next level of client experience and value creation Utilizing Experian next generation decision management software to bring customer management to the next level of client experience and value creation Susan Duffy Scotiabank Robert Stone Experian Christopher

More information

Telecom Expense Management

Telecom Expense Management Telecom Expense Professional Cost Group Ltd. Control your costs Manage your assets Transform your business Visit us online: www.pcmg.co.uk/tem Your Challenges. For most companies, fixed and mobile communications

More information

Maximise your in-store video investment with customer intelligence from M2M Video Solutions.

Maximise your in-store video investment with customer intelligence from M2M Video Solutions. Singtel Business Product Brochure Factsheet M2M Video Solutions Analytics Maximise your in-store video investment with customer intelligence from M2M Video Solutions. Retailers today are looking beyond

More information

Debt collection in lean times. An Experian briefing paper

Debt collection in lean times. An Experian briefing paper Debt collection in lean times An Experian briefing paper Contents Introduction Page 4 DCA sector analysis Page 5 DCA sector challenges Page 7 Adapting to survive and thrive Page 10 2 - Debt collection

More information

Revenue Management Strategies in the New Consumer Credit Markets. A Decision Analytics briefing paper from Experian

Revenue Management Strategies in the New Consumer Credit Markets. A Decision Analytics briefing paper from Experian Revenue Management Strategies in the New Consumer Credit Markets A Decision Analytics briefing paper from Experian February 2008 Introduction Rapid and, in many cases, unrestrained growth in new consumer

More information

The effect of dirty data on business

The effect of dirty data on business The effect of dirty data on business The biggest data quality challenges 2013 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein are service marks or registered

More information

Collections and Client Recovery: An Evolutionary Approach

Collections and Client Recovery: An Evolutionary Approach Collections and Client Recovery: An Evolutionary Approach Global economic growth has been limited since 2008. The combination of high unemployment rates along with high levels of government debt and overall

More information

Marketing Optimization. An Experian white paper

Marketing Optimization. An Experian white paper Marketing Optimization An Experian white paper March 2010 Executive Summary For your organisation to thrive it is important to make the most of each customer interaction and maximise customer value. In

More information

Building the Business Case for a Cloud-Based Contact Center Solution Sponsored by:

Building the Business Case for a Cloud-Based Contact Center Solution Sponsored by: Building the Business Case for a Cloud-Based Contact Center Solution Sponsored by: - 1 - DMG Consulting LLC Table of Contents Why a Cloud-Based Contact Center is Likely in Your Future... 1 Building the

More information

Optimising real-time marketing. An Experian white paper

Optimising real-time marketing. An Experian white paper Optimising real-time marketing An Experian white paper January 2009 Executive Summary In an age where direct marketing effectiveness is declining, organisations are increasingly using marketing when customers

More information

syntec.co.uk Cloud services for efficiency & customer service

syntec.co.uk Cloud services for efficiency & customer service Cloud services for efficiency & customer service Syntec offers a comprehensive suite of services which enable you to manage all aspects of your contact centre efficiently and cost effectively. The reliable,

More information

The Contact Centre Market s Increasing Demand for Cloud Technologies

The Contact Centre Market s Increasing Demand for Cloud Technologies The Contact Centre Market s Increasing Demand for Cloud Technologies Whilst the traditional premise model still offers the most value for many organisations, the cloud model has evolved to become a viable

More information

Getting Business Value from Customer Engagement. Chet Geschickter, Research Director Gartner Energy & Utilities Industries Research

Getting Business Value from Customer Engagement. Chet Geschickter, Research Director Gartner Energy & Utilities Industries Research Getting Business Value from Customer Engagement Chet Geschickter, Research Director Gartner Energy & Utilities Industries Research 1 How Gartner Delivers Value Gartner research helps clients review, develop,

More information

Service Strategy Maturity: A Model for Business Performance

Service Strategy Maturity: A Model for Business Performance Service Strategy Maturity: A Model for Business Performance A White Paper Written by callcentres.net Commissioned by IBM Published: June 2011 Contents 1. Introduction... 1 2. Executive Summary... 2 3.

More information

Cross Sell. Unlocking the value from your customer relationships. < PREVIOUS NEXT > CLOSE x PRINT. Visit our website: www.lbm.co.

Cross Sell. Unlocking the value from your customer relationships. < PREVIOUS NEXT > CLOSE x PRINT. Visit our website: www.lbm.co. Unlocking the value from your customer relationships < PREVIOUS NEXT > CLOSE x PRINT Call us: 0161 616 Call 0599 us: 0161 616 0599 When cross and up-selling to your customers you tread a fine-line. Get

More information

Data quality and predictive analytics. An Experian Data Quality white paper

Data quality and predictive analytics. An Experian Data Quality white paper Data quality and predictive analytics An Experian Data Quality white paper Data quality and predictive analytics Overview Customers have more options today than ever before. For example, they can shop

More information

Debt collections. A best practice guide

Debt collections. A best practice guide Debt collections A best practice guide Key points Reducing outstanding debt is a priority and a challenge facing both government and private enterprise. Debt collections are a delicate and sensitive process

More information

Exceptional Customer Experience AND Credit Risk Management: How to Achieve Both

Exceptional Customer Experience AND Credit Risk Management: How to Achieve Both Exceptional Customer Experience AND Credit Risk Management: How to Achieve Both Lynn Brunner Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions,

More information

GROSVENOR SERVICES GROUP LTD ESTABLISHED TRUSTED PROVEN. www.grosvenorservices.co.uk

GROSVENOR SERVICES GROUP LTD ESTABLISHED TRUSTED PROVEN. www.grosvenorservices.co.uk GROSVENOR SERVICES GROUP LTD ESTABLISHED TRUSTED PROVEN www.grosvenorservices.co.uk About Us Grosvenor Services Group Ltd was formed in August 1998 to offer effective debt recovery and debtor tracing solutions.

More information

An effective approach to preventing application fraud. Experian Fraud Analytics

An effective approach to preventing application fraud. Experian Fraud Analytics An effective approach to preventing application fraud Experian Fraud Analytics The growing threat of application fraud Fraud attacks are increasing across the world Application fraud is a rapidly growing

More information

customer interaction solutions Contact Centres that Enhance Customer Engagement

customer interaction solutions Contact Centres that Enhance Customer Engagement customer interaction solutions Contact Centres that Enhance Customer Engagement The opportunities for companies to gather and process information can influence reputation and brand, as well as drive sales.

More information

Sage Accpac CRM Solutions Engineer IT Symposium. Build It & They Will Come. Keith Fenner Director Strategic Sales Softline Accpac Sage Group Plc

Sage Accpac CRM Solutions Engineer IT Symposium. Build It & They Will Come. Keith Fenner Director Strategic Sales Softline Accpac Sage Group Plc Sage Accpac CRM Solutions Engineer IT Symposium Build It & They Will Come Keith Fenner Director Strategic Sales Softline Accpac Sage Group Plc Does this sound familiar? Dialling a Call Centre 1. Hold and

More information

2007 Executive Survey Report: Insights Into Optimizing Contact Center Performance

2007 Executive Survey Report: Insights Into Optimizing Contact Center Performance 2007 Executive Survey Report: Insights Into Optimizing Contact Center Performance A global overview of how contact centers around the world optimize efficiency, revenue and customer satisfaction Introduction

More information

Debt Recovery Specialists

Debt Recovery Specialists The right people The right processes The right customer experience Debt Recovery Specialists With UK debt collection agencies collecting 1.75 billion in 2014, it s clear that outsourcing your debt recovery

More information

Debt Manager solution overview

Debt Manager solution overview PRODUCT DESCRIPTION Debt Manager solution overview September 2005 FOR MORE international email web INFORMATION +44 (0) 207 403 1333 emeainfo@fairisaac.com www.fairisaac.com Debt Manager solution overview

More information

Early Collections Outsourcing - An innovative approach to debt management in challenging market conditions

Early Collections Outsourcing - An innovative approach to debt management in challenging market conditions Early Collections Outsourcing - An innovative approach to debt management in challenging market conditions A Decision Analytics briefing paper from Experian July 2008 Introduction As we start to enter

More information

A Decision Analytics briefing paper from Experian

A Decision Analytics briefing paper from Experian The Benefits of a Dedicated Collections System A Decision Analytics briefing paper from Experian May 2009 Introduction The scale and speed at which the recession has taken grip is unprecedented. As the

More information

A Whitepaper by Vesta Corporation. Payment Card Industry Data Security Standards (PCI DSS) and Mobile Operators: Trends and Implications

A Whitepaper by Vesta Corporation. Payment Card Industry Data Security Standards (PCI DSS) and Mobile Operators: Trends and Implications A Whitepaper by Vesta Corporation Payment Card Industry Data Security Standards (PCI DSS) and Mobile Operators: Trends and Implications About This Paper There have been numerous data breaches both announced

More information

Experian s UK Credit Bureau Scores. Version 1.6

Experian s UK Credit Bureau Scores. Version 1.6 Experian s UK Credit Bureau Scores Version 1.6 January 2014 About Experian Decision Analytics Experian Decision Analytics enterprise-wide solutions combine data intelligence, predictive analytics, decisionenabling

More information

State of the Automotive Finance Market Second Quarter 2015

State of the Automotive Finance Market Second Quarter 2015 State of the Automotive Finance Market Second Quarter 2015 Melinda Zabritski Sr. Director Financial Solutions 2015 2015 Experian Information Solutions, Inc. Inc. All rights All rights reserved. reserved.

More information

Mike Pratt. Turning conversation into sales CRM at Westpac

Mike Pratt. Turning conversation into sales CRM at Westpac Turning conversation into sales CRM at Mike Pratt Group Executive, Business & Consumer Banking Retail Finance Asia-Pacific Conference & Expo Kuala Lumpur 30 th March Agenda Background Key challenges for

More information

AVANTGARD RECEIVABLES. Predictive Metrics for Lease/Loan Portfolios

AVANTGARD RECEIVABLES. Predictive Metrics for Lease/Loan Portfolios AVANTGARD RECEIVABLES Predictive Metrics for Lease/Loan Portfolios PREDICTIVE METRICS FOR LEASE/LOAN PORTFOLIOS The competitive landscapes of leasing, banking and finance are littered with the casualties

More information

CONTACT CENTRE SERVICES. Enriching your customer relationships. Delivering value. Enabling success. Integrated Services

CONTACT CENTRE SERVICES. Enriching your customer relationships. Delivering value. Enabling success. Integrated Services CONTACT CENTRE SERVICES Enriching your customer relationships Delivering value. Enabling success. Integrated Services is a proud member of the BankservAfrica Group Integrated Services BANKSERVAFRICA INTEGRATED

More information

Salmat Customer Engagement Solutions

Salmat Customer Engagement Solutions Salmat Customer Engagement Solutions The leader in multi-channel communication solutions 5.2 billion direct mail 130 17 million Lasoo visits 1 billion email million voice & automated interactions 168 million

More information

Understanding Credit Card Profitability

Understanding Credit Card Profitability Understanding Credit Card Profitability Outstanding professional experience in the area of banking and payment systems The European Commission TABLE OF CONTENTS ACKNOWLEDGEMENTS 1 About the author: David

More information

Compliance. Technology. Process. Using Automated Decisioning and Business Rules to Improve Real-time Risk Management

Compliance. Technology. Process. Using Automated Decisioning and Business Rules to Improve Real-time Risk Management Technology Process Compliance Using Automated Decisioning and Business Rules to Improve Real-time Risk Management Sandeep Gupta, Equifax James Taylor, Smart (enough) Systems August 2008 Equifax is a registered

More information

Using a Multichannel Strategy to Deliver an Exceptional Customer Experience

Using a Multichannel Strategy to Deliver an Exceptional Customer Experience Using a Multichannel Strategy to Deliver an Exceptional Customer Experience 10 things to consider when building a multichannel strategy to improve the customer experience Jesús Hoyos CRM industry analyst,

More information

INCREASE REVENUES AND CONTROL OPERATING COSTS WITH OUTBOUND DIALING, CAMPAIGNING, AND SCRIPTING

INCREASE REVENUES AND CONTROL OPERATING COSTS WITH OUTBOUND DIALING, CAMPAIGNING, AND SCRIPTING brochure MITEL MiCONTACT CENTER OUTBOUND INCREASE REVENUES AND CONTROL OPERATING COSTS WITH OUTBOUND DIALING, CAMPAIGNING, AND SCRIPTING Does your business need to streamline your outbound contact center

More information

Earnings Webcast & Conference Call

Earnings Webcast & Conference Call November 5, 2015 Earnings Webcast & Conference Call First Quarter FY 2016 2014 1 Forward-Looking Statements This presentation and other written or oral statements made from time to time by representatives

More information

Transforming customer management in the water sector How to become a leader in customer service

Transforming customer management in the water sector How to become a leader in customer service Transforming customer management in the water sector How to become a leader in customer service management strategies have always been important to water companies, with a focus on resolving issues first

More information

BMW GROUP FINANCIAL SERVICES IN THE AMERICAS. ED ROBINSON PRESIDENT & CHIEF EXECUTIVE OFFICER BMW GROUP FINANCIAL SERVICES, AMERICAS REGION.

BMW GROUP FINANCIAL SERVICES IN THE AMERICAS. ED ROBINSON PRESIDENT & CHIEF EXECUTIVE OFFICER BMW GROUP FINANCIAL SERVICES, AMERICAS REGION. March 26, 2015 BMW GROUP FINANCIAL SERVICES IN THE AMERICAS. ED ROBINSON PRESIDENT & CHIEF EXECUTIVE OFFICER BMW GROUP FINANCIAL SERVICES, AMERICAS REGION. BMW GROUP THE WORLD S LEADING PROVIDER OF PREMIUM

More information

Fiskars Group Q4 and FY 2015. 1.1. 31.12.2015 Helsinki, February 9, 2016

Fiskars Group Q4 and FY 2015. 1.1. 31.12.2015 Helsinki, February 9, 2016 Fiskars Group and FY 1.1. 31.12. Helsinki, February 9, 216 Fiskars : Net Sales MEUR 332.8 +63% Comparable net sales (+2.9%) EBIT excl. NRI MEUR 16.8 +57% Cash flow from operating activities MEUR 61.5 +28%

More information

www.trustvesta.com VESTA CORPORATION WHITEPAPER Payment Card Industry Data Security Standards (PCI DSS) and Mobile Operators: Trends and Implications

www.trustvesta.com VESTA CORPORATION WHITEPAPER Payment Card Industry Data Security Standards (PCI DSS) and Mobile Operators: Trends and Implications www.trustvesta.com VESTA CORPORATION WHITEPAPER Payment Card Industry Data Security Standards (PCI DSS) and Mobile Operators: Trends and Implications About this paper There have been numerous data breaches

More information

Upstream Works Overview

Upstream Works Overview Upstream Works Software June 2009 Introduction Upstream Works solutions connect customer experience to every aspect of your contact center performance. We provide a complete suite of agent and management

More information

David Lafone-Ward. The Future of Outbound in the UK & Ireland. Principal Sponsor: Also sponsored by:

David Lafone-Ward. The Future of Outbound in the UK & Ireland. Principal Sponsor: Also sponsored by: David Lafone-Ward The Future of Outbound in the UK & Ireland Principal Sponsor: Also sponsored by: Acknowledgements Acknowledgements: The 360 degree customer journey - www.avaya.com Presentation by Zack

More information

Decisioning for Telecom Customer Intimacy. Experian Telecom Analytics

Decisioning for Telecom Customer Intimacy. Experian Telecom Analytics Decisioning for Telecom Customer Intimacy Experian Telecom Analytics Turning disruption into opportunity The traditional telecom business model is being disrupted by a variety of pressures from heightened

More information

Finding insight through data collection and linkage. Develop a better understanding of the consumer through consolidated and accurate data

Finding insight through data collection and linkage. Develop a better understanding of the consumer through consolidated and accurate data Finding insight through data collection and linkage Develop a better understanding of the consumer through consolidated and accurate data An Experian Data Quality White Paper August 2014 Introduction...1

More information

Achieving high performance with Accenture Utilities Business Process Outsourcing Services

Achieving high performance with Accenture Utilities Business Process Outsourcing Services Achieving high performance with Accenture Utilities Business Process Outsourcing Services Introduction Utility companies around the world are looking for ways to respond to industry and market changes,

More information

IDC s Annual CIO Survey and other Enterprise Observations

IDC s Annual CIO Survey and other Enterprise Observations IDC s Annual CIO Survey and other Enterprise Observations Tim Dillon IDC Asia Pacific Associate Vice President Enterprise Mobility and End User Copyright 2011 IDC. Reproduction is forbidden unless authorized.

More information

GUIDELINES ON THE CLASSIFICATION AND IMPAIRMENT PROVISIONS FOR LOANS / FINANCING FOR LABUAN BANKS

GUIDELINES ON THE CLASSIFICATION AND IMPAIRMENT PROVISIONS FOR LOANS / FINANCING FOR LABUAN BANKS GUIDELINES ON THE CLASSIFICATION AND IMPAIRMENT PROVISIONS FOR LOANS / FINANCING FOR LABUAN BANKS 1.0 Introduction 1.1 The Guidelines set out the minimum requirements on the classification of impaired

More information

Strategy management systems for collections. White paper

Strategy management systems for collections. White paper Strategy management systems for collections White paper Introduction to strategy management A strategy management solution for debt collections offers the potential for significantly improving operational

More information

Valuation Mobile networks

Valuation Mobile networks ITU EXPERT-LEVEL TRAINING ON NETWORK COST MODELING FOR ASIA AND PACIFIC COUNTRIES LEVEL II Valuation Mobile networks Bangkok, Thailand, 15-19 November 2010 Note: The views expressed in this paper are those

More information

Accounting and Reporting Policy FRS 102. Staff Education Note 3 Impairment of trade debtors

Accounting and Reporting Policy FRS 102. Staff Education Note 3 Impairment of trade debtors Impairment of financial assets measured at cost or amortised cost Accounting and Reporting Policy FRS 102 Staff Education Note 3 Disclaimer This Education Note has been prepared by FRC staff for the convenience

More information

Qualifying ShoreTel Sky Prospects ShoreTel Sky Positioning Guide Supplement

Qualifying ShoreTel Sky Prospects ShoreTel Sky Positioning Guide Supplement SHORETEL CHAMPION PARTNER PROGRAM CLOUD RESOURCE Qualifying ShoreTel Sky Prospects ShoreTel Sky Positioning Guide Supplement When approaching a potential customer, it is important to create a foundation

More information

Making CRM succeed at both the business and technical level

Making CRM succeed at both the business and technical level Making CRM succeed at both the business and technical level Helen Lorigan Head of Channel and Segment Marketing, PFS Australia and New Zealand Banking Group Limited 9 October 2003 Agenda Overview ANZ Banking

More information

The Value of Negative Credit Bureau Alerts to Credit Card Issuers

The Value of Negative Credit Bureau Alerts to Credit Card Issuers The Value of Negative Credit Bureau Alerts to Credit Card Issuers Authors: Chris Slater & Nick Gudde Release Date: October 2012 About The International Risk Partnership The International Risk Partnership

More information

Ensure holiday emails reach the inbox

Ensure holiday emails reach the inbox Ensure holiday emails reach the inbox 2013 2014 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Information

More information

Sales success through optimised processes from branch to head office. Retail Software Solutions

Sales success through optimised processes from branch to head office. Retail Software Solutions Sales success through optimised processes from branch to head office Retail Software Solutions Introduction Finely fitted targeted expertise from the global partner for retail success MICROS-Retail, the

More information

Corporate Portfolio Management

Corporate Portfolio Management Corporate Risk Corporate Portfolio Management Capital allocation from a risk-return perspective Premise Aligning the right information with the right people to make effective corporate decisions is one

More information

Transform Customer Experience through Contact Center Modernization

Transform Customer Experience through Contact Center Modernization Cognizant Healthcare Solution Overview Transform Customer Experience through Contact Center Modernization Improve customer experience and reduce costs with next-generation contact center services Health

More information

Nigel Rusby & Stephen Gildert, Global Consulting Team

Nigel Rusby & Stephen Gildert, Global Consulting Team Origination for SME Lending - Management of high volume, low ticket value lending Nigel Rusby & Stephen Gildert, Global Consulting Team An Experian Decision Analytics White Paper Executive Summary A major

More information

3 Step Approach to Improving Customer Experience and Driving Engagement

3 Step Approach to Improving Customer Experience and Driving Engagement 3 Step Approach to Improving Customer Experience and Driving Engagement 2011 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein are service marks or registered

More information

Mobile Access Controller

Mobile Access Controller Solution overview Mobile Access Controller Mobile Workforce Communication Solution NEC Australia nec.com.au Reliable voice and data coverage for field workers. Overview Designed specifically for vehicle

More information

Bad Debt Value Management. From bad debt to value creation

Bad Debt Value Management. From bad debt to value creation Bad Debt Value Management From bad debt to value creation Bad debt management is a key driver of financial performance for telecom and cable operators but it also presents a major challenge, with the risk

More information

Data quality and the customer experience. An Experian Data Quality white paper

Data quality and the customer experience. An Experian Data Quality white paper Data quality and the customer experience An Experian Data Quality white paper Data quality and the customer experience Contents Executive summary 2 Introduction 3 Research overview 3 Research methodology

More information

Tom Aliff Vice President, Modeling and Analytics Martin O Connor Senior Vice President, Global Analytics

Tom Aliff Vice President, Modeling and Analytics Martin O Connor Senior Vice President, Global Analytics Credit scores don t tell the entire story for car buyers A new approach to the 3 C s offers a deeper, more accurate view of risk for subprime auto lending Tom Aliff Vice President, Modeling and Analytics

More information

Debunking the business of analytics. An Experian Data Quality white paper

Debunking the business of analytics. An Experian Data Quality white paper Debunking the business of analytics An Experian Data Quality white paper Generating a customized user experience is a necessity in today s environment, with a high degree of competition and an always-on

More information

PREDICTIVE MARKETING, DIGITAL ATTRIBUTION, OPTIMIZATION, AND DATA-DRIVEN PERSONALIZATION

PREDICTIVE MARKETING, DIGITAL ATTRIBUTION, OPTIMIZATION, AND DATA-DRIVEN PERSONALIZATION PREDICTIVE MARKETING, DIGITAL ATTRIBUTION, OPTIMIZATION, AND DATA-DRIVEN PERSONALIZATION A m a r t y a B h a t t a c h a r j y a & S u n e e l G r o v e r P r i n c i p a l S o l u t i o n A r c h i t

More information

Asterisk Call Centre Systems

Asterisk Call Centre Systems Asterisk Call Centre Systems Foehn s Asterisk Based Call Centre Systems Every call centre is unique and operates in an increasingly global context with companies outsourcing business processes to international

More information

Acquiring customers profitably. With Credit Bureau Scores

Acquiring customers profitably. With Credit Bureau Scores Acquiring customers profitably With Credit Bureau Scores Uncover the true face of new customers before it s too late In the current climate, characterized by tough competition and economic slowdowns, identifying

More information

WEYCO REPORTS THIRD QUARTER SALES AND EARNINGS

WEYCO REPORTS THIRD QUARTER SALES AND EARNINGS WEYCO REPORTS THIRD QUARTER SALES AND EARNINGS (Milwaukee, Wisconsin---November 4, 2014) Weyco Group, Inc. (NASDAQ:WEYS) (the Company ) today announced financial results for the quarter ended September

More information

Digital Marketing Services from Pro-Active Engaging online audiences. create deliver engage

Digital Marketing Services from Pro-Active Engaging online audiences. create deliver engage Digital Marketing Services from Pro-Active Engaging online audiences create deliver engage ABOUT PRO-ACTIVE Pro-Active are a truly innovative digital marketing services company. We were the first to create

More information

Eight Steps to Collection and Recovery Excellence for First and Third Parties

Eight Steps to Collection and Recovery Excellence for First and Third Parties white paper Eight Steps to Collection and Recovery Excellence for First and Third Parties December 2013 Summary This paper identifies eight key areas with the greatest impact on your collection and recovery

More information

About Us. Establishment of PT. Elnusa Yellow Pages. Transformed into PT. Infomedia Nusantara when Telkom joined the company

About Us. Establishment of PT. Elnusa Yellow Pages. Transformed into PT. Infomedia Nusantara when Telkom joined the company About Us 1984 Establishment of PT. Elnusa Yellow Pages PT. Infomedia Nusantara (further called as Infomedia) is a subsidiary company of PT. Telekomunikasi Indonesia Tbk. (TELKOM), the largest telecommunication

More information

Accenture Mobility Managed Services Overview. Enter

Accenture Mobility Managed Services Overview. Enter Accenture Mobility Managed Services Overview Enter With wireless connectivity enabled for more devices, companies and consumers are demanding new ways to conduct business. In the consumer electronics industry,

More information

Understanding automotive loan charge-off patterns can help mitigate lender risk

Understanding automotive loan charge-off patterns can help mitigate lender risk Understanding automotive loan charge-off patterns can help mitigate lender risk Market Insight from Experian Page 1 Understanding automotive loan charge-off patterns can help mitigate lender risk Executive

More information

Professional Service Offerings. Copyright 2011 Locus Telecommunication Inc. All rights reserved

Professional Service Offerings. Copyright 2011 Locus Telecommunication Inc. All rights reserved Professional Service Offerings AGENDA Make Your Contact Center more Effective How to Design the Mission Critical Operation with Flexible & Comprehensive Features Experience in CRM Consulting Services 2

More information

LOCATION PLANNING FOR FINANCIAL SERVICES. Optimising performance from your branch estate in a multichannel market

LOCATION PLANNING FOR FINANCIAL SERVICES. Optimising performance from your branch estate in a multichannel market LOCATION PLANNING FOR FINANCIAL SERVICES Optimising performance from your branch estate in a multichannel market 1 2 Introducing CACI CACI provides customer management and branch strategy solutions for

More information

White Paper. Safety by design. Fleet Communications. NEC Australia au.nec.com

White Paper. Safety by design. Fleet Communications. NEC Australia au.nec.com Safety by design Fleet Communications NEC Australia au.nec.com Communications and workplace safety The use of communications tools while driving is a well-documented workplace risk for fleet vehicle operators

More information

INTRODUCTION ESCALATING COSTS = DECREASED REVENUE. SMS in the Call Center: How mobile messaging can increase profits and reduce costs immediately

INTRODUCTION ESCALATING COSTS = DECREASED REVENUE. SMS in the Call Center: How mobile messaging can increase profits and reduce costs immediately INTRODUCTION In today s economic climate it has become ever more important to find solutions for the contact and call center that decrease costs and increase revenue while simultaneously providing increasingly

More information

QPC MIG benefits and applications - multi-tenanted data, better reporting and added value services for hosted telecoms providers

QPC MIG benefits and applications - multi-tenanted data, better reporting and added value services for hosted telecoms providers QPC MIG benefits and applications - multi-tenanted data, better reporting and added value services for hosted telecoms providers To benefit from economies of scale hosted providers want to partition contact

More information