Products & Services: TRIAD™ Transaction Scores

In today's business climate, payment card account managers face tough competition for customers and share of wallet. To succeed, they need to improve their portfolio profitability to incorporate timely and reliable forecasts of account behavior―including credit risk, attrition risk and revenue potential―into a comprehensive, fast-response decisioning system.

Advanced transaction-based scoring, based on neural network models, can be integrated into TRIAD™ adaptive control system to yield more profitable account decisions.

Users of TRIAD system can integrate Fair Isaac's advanced models into all their account management applications to dramatically improve the timeliness, precision and profitability of their decision strategies. TRIAD Transaction Scores customers can expect to see a 15% to 20% improvement on average over standard TRIAD results.

With TRIAD Transaction Scores, you can:

  • Identify risky customers as soon as their transaction pattern changes.
  • Balance risk and reward with unprecedented precision and timeliness.
  • Better segment your portfolio for profit-focused, customer-centric actions.
  • Time strategic actions so that you can avert risk and take advantage of new opportunities, without putting an undue burden on operations.

TRIAD Transaction Scores alert you to changes in customer behavior as transactions occur, unlike traditional scoring systems that only reflect customer activity as a summary of transaction over a period of time. Transaction scoring analyzes account activity more frequently, enabling you to identify and address areas of concern faster.

The account-level profile, derived from detailed transaction information as well as master billing data, is at the heart of TRIAD Transaction Scores. The profile captures a complete picture of the cardholder's transaction and payment history, reflecting the cardholder's spending pattern. This allows you to monitor account activity and take actions at the first warning sign or change in account usage.

Fair Isaac's transaction scoring models are based on consortium data. While consortium transaction models allow you to realize benefits quickly, Fair Isaac can also develop custom transaction models based on your company's specific data and operations.

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