Assists credit providers in improving their efficiency and increasing their profitability.

Predicts future payment delinquency i.e. the likelihood that the consumer will fail to make three or more payments on a newly opened account within the first year.

Provides an estimate of a consumer’s monthly income.

Provides an estimate of a household’s monthly gross income.

Determines what the consumer can afford, at the time of application, based on predicted income of the consumer and a variety of expense types such as CPA and NLR, amongst others.

This product was developed in order to assess existing clients on a periodic basis hence allowing credit providers to assign appropriate credit strategies.

Assists collection departments to ascertain which delinquent customers have the greatest likelihood of returning to positive payment behaviour.

Assists collection companies, as well as internal collections departments, to ascertain which late stage delinquent customers have the greatest likelihood of making payment.

Allows businesses, particularly collections departments and companies, to understand what time of the month a consumer is most likely to pay, and is particularly useful for NAEDO tracking.

Assists debt purchasers to determine a reasonable price for books that they are considering making an offer on by predicting cash flow.

Provides insights into what is happening across an industry as well as the current standing of a consumer’s book across three stages – acquisitions, current consumers & consumers in collection.

Ranks likelihood of contacting consumers out of a list of possible contactable numbers.