Issuers face common problems across reporting, analysis, and account level decisioning:

• Reporting
  • MIS reports do not reconcile to financial reports
  • Inability to produce performance reports on many pools of accounts (e.g., RegAB reporting)
• Analysis
  • Lack of a shared view of profitability across (and even within) departments
  • Inconsistent analysis
  • Measurements of profitability do not reconcile to financial reports
• Account level decisioning
  • Account level decisions are not based on an account's profit contribution

The root cause of these difficulties is the lack of a single accurate account level profitability datamart that reconciles to system of record reports. However, creating such a datamart is challenging:

• The source data from the operational system (e.g., First Data Resources, Total Systems, in-house) is dynamic
• Processes must be followed daily and FTEs must be dedicated to maintain accuracy
• Allocating expenses at the account level is complex
• Forecasting account level profitability is difficult

Argus’ Account Level Profitability Solution provides issuers with accurate, consistent account level profitability data that can be leveraged across the organization. The solution addresses these difficulties by including:

• ETL that sources data from First Data Resources, Total Systems, or in-house data warehouse sources
• Applications that:
  • Calculate and populate the datamart at key time periods (Day before cycle, daily, monthly)
  • Allocate portfolio level expenses
  • Forecast account level profitability
  • Produce MIS reports
• Datamart design that presents data to analysts in a simple manageable structure
• Maintenance to ensure ongoing accuracy
  • Daily systematic validation to system of record reports
  • Modifications to address operation system changes (e.g., new transaction codes)
• Documentation to eliminate word of mouth dissemination of information

The typical installation timeline is 60 to 90 days.

For issuers interested in evaluating Argus’ Account Level Profitability Solutions, Argus can quickly gather requirements, compare those requirements to functionality our solution delivers, and determine if our solution addresses your needs.


For more information about Argus’ Account Level Profitability Solutions, please contact Alex Sulkowski at (914) 307-3178 or asulkowski@ArgusInformation.com