Purpose: customer behavior analysis,
credit accounts monitoring, bank customer management, portfolio calculations,
Basel II compliant portfolio management
Banks need Scorto™ Behavia because
- Customers demand more and more, so bank should discover customer needs and abilities faster than competition and balance these needs with bank’s business objectives
- It allows to improve business profitability with more efficient decisions
- The whole potential of bank retail portfolios should be realized
- Acquisition costs increase, so banks should generate more profit from existing customers
- With agility and risk assessment analytics it’s much easier to win competition
- It’s possible to employ acute customer segmentation and risk
Concept and Key Tasks
- Portfolio risk management
- Credit accounts monitoring
- Customer relationships strategy design, implementation and management
- Cross-sell, up-sell decision support based on customer’s behavior
- Assistance in credit renewal decisions
- Predict churn and/or customer interest in different products
- Risk-based pricing
- Portfolio calculation and risk assessment on a regular basis
- Automated reporting for portfolio analysis and Basel II/III compliance
- Scoring, analysis and decisioning improves Customer Relationship Management
- Predicting customer behavior on both macro and micro levels
Value Proposition
- Incredibly intuitive and easy to use
- No limit in terms of number of users, or number decision/ work flows
- Incredibly fast, suitable for portfolios of all sizes (millions of transactions in a matter of minutes)
- Perfect CLC tool
- Incredible ROI and customer loyalty benefits
- Easy to integrate and understand
Examples of Industries and Applications:
- Banking & Finance:
- Probability of Default
- Customer Loyalty
- Cross and Up Selling
- Basel II/III compliance
- Insurance:
- Adjustments of premiums
- Modeling of claim risk
- Cross and Up Selling
- Telecommunications
- Customer Satisfaction and Loyalty
- Cross and Up Selling
- Increased understanding of client beh