Activation and balance retention are at the top of your mind. The promotional offers are going out, the balance transfers are moving, and rates have been repriced. But do you know the incremental value of these investments?

What will happen if we did not spend as much? Are there alternate ways to achieve the same results? What is the trade-off between long-term profitability and future losses?

First, you must understand your customer demographics, channels, activation expenses, and cost of offer. It is also imperative that you understand who is responding, activating, using/not using the card, the balances being built up, payments being made, delinquencies, charge-offs and recoveries.

At Profit Technologies, we can tell you. Our team has more than 75 years’ combined experience in balance building solutions, targeting models and segmentation schemes, detailed cash flow models and expertise in running simulations and optimization techniques.

We understand the data that is needed to build this system, the design that will be most successful, and the process that needs to be followed so that this can become an ongoing best practice for the client organization.