You look at accounts, you look at customers, you look at segments, and you look at the whole portfolio. But no matter how you look it at, you never see it the same way. In short, you need a system-of-record financial reporting to make it clearer both to your internal reviewers and to regulators and other external agencies.

Profit Technologies has the experience and the expertise. Our familiarity with system-of-record data, internal warehouse data, data definitions, and cost allocations helps to provide a uniform understanding at the account level, channel level, or portfolio level.

Our team has more than 75 years of combined experience with major credit card issuers and is conversant with Total Systems (TSYS), First Data Resources (FDR) and other processor-sourced data. We understand the data layout, the data definitions, and the descriptions.

Our ALP models will organize the System of Record (SOR) data in a data mart, validate individual attributes with source data, allocate costs at the account level, and produce account level profitability data—all while reconciling it with the general ledger.

As you develop this consistent view of the account, the customer, the segments, and the portfolio, the results become more clearly defined. The decisioning process for account acquisition, customer activation and retention, risk management and portfolio growth improve markedly. Interaction with regulators will be easier and more productive. And you will own your data, your growth, and your progress.