The latest release of TRIAD adaptive control system provides clients with a choice between account or customer management—or a combination of both—on a single platform.
TRIAD is the premier adaptive control system for lenders that combines software, actionable analytics and optimization techniques to more effectively manage 44 billion account and customer management decisions globally each year.
The most current release of TRIAD is available in different versions and delivery modes to meet your business and technical requirements. Select account-level or customer-level decision making, or in-house or outsourced processing. Regardless of version, the functionality of TRIAD is powerful and flexible.
More than 280 portfolios have made adaptive control solutions from Fair Isaac the automated account management solution of choice. Leading banks, financial service, telecommunications providers and retailers have used TRIAD to reduce delinquency by up to 25%, increase sales by as much as 30%, and boost interest income by up to 25%. More than 65% of the world’s credit cards are currently managed using an adaptive control solution from Fair Isaac.
Fair Isaac combines analytics, software and strategy consulting expertise to insure that clients using TRIAD see constant gains from Champion - Challenger Testing and closed loop learning. TRIAD assists clients not only in managing credit risk, but also in achieving corporate and regulatory compliance. TRIAD uniquely offers access to value added analytics from Fair Isaac, including TRIAD Transaction Scores, Strategy Science for credit line management and for early-stage collections management, and Benchmark Reporting Services.
In addition to offering TRIAD as a client-installed and hosted solution, Fair Isaac has partnered with a variety of processors around the globe to make adaptive control capability easily accessible. For more information about processors in your region, contact your Fair Isaac representative or email processor@fairisaac.com.
How and why it works...
By factoring risk into credit line, collections, marketing and authorizations decisions, TRIAD enables you to improve targeting and make smarter, more effective use of operations resources. Once credit grantors input data into TRIAD, the data is used to calculate behavior scores that assess account or customer risk. These scores are combined with client-specific account and customer data, criteria and decision rules to drive improved portfolio segmentation. This, in turn, allows for more effective targeting of customer treatments and better allocation of client resources.
When you try out bold new strategies, you won’t have to guess at the results—or the risks. Incorporating EDM Model Builder technology, TRIAD allows you to measure the impact of a strategy before it is deployed.
Through champion/challenger methodology, you can test innovative challenger strategies on small groups of accounts, and compare the results to existing champion or “business as usual” strategies. Winning strategies can then be applied to larger segments, even as new challengers are being introduced.
Whether you’re managing a small regional portfolio or a large global enterprise, there’s a version of TRIAD to suit your needs.
Basel II compliance
TRIAD plays an important role in helping clients meet regulatory compliance standards, including Basel II compliance. TRIAD calculates behavior scores at the account and customer levels, and enables the use of these scores in key portfolio management decision areas. These behavior risk scores can be used in calculating Probability of Default. Fair Isaac’s Professional Services staff can help you address Basel II and regulatory compliance, and can also help you attain best-practice credit risk management.
For more information:
- Netsourced TRIAD A hosted version of the world’s leading adaptive control system, designed for lenders who are geographically dispersed or who have smaller scale portfolios.
- Processor TRIAD Provides account-level management for lenders whose portfolios reside at First Data (known as Adaptive Control System – ACS), First Data International, TSYS (which also offers TRIAD for Commercial Card), Certegy or with other Fair Isaac processing partners around the globe.
- TelAdaptive® account management solution gives telecommunications providers the power of adaptive control.
Processor pooled models--How and why they work
To support your account management operations, Fair Isaac develops and offers pooled models through many of the world's leading processing companies.
When you access the services of our TRIAD® adaptive control system through our processor relationships, you can improve your account management risk prediction—as well as other customer behaviors—via our pooled models.
We develop our TRIAD processor pooled models through a consortium of data from lenders using the TRIAD system. With our pooled processor models, you gain the benefits of scoring without taking on the expense of custom development. And pooled-data models can benefit institutions that don't have enough data for a custom development.
Fair Isaac offers processor pooled models via its TRIAD system at TSYS, First Data Resources, First Data International, SiNSYS, EDS, Certegy/Fidelity National and other processors throughout the world.
For more information
Request a copy of Global TRIAD Product Demonstration CD to find out more about how TRIAD can help you.
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