Our ability to create a consumer-level wallet view is a core element of our bank marketing models. Our data scientists have many years of experience in the development, execution, and management of all components of the modeling processes and have built hundreds of unique models for credit card issuers.
Our model suite is designed to fully satisfy a bank’s needs: Risk-adjusted revenue models, balance transfer models, category-level spend and usage, lifetime value, product preference, underwriting & default risk, price elasticity, and fraud & anti-money laundering risk. Delivery options include bank-hosted solutions using Argus algorithms, Argus-hosted solutions with scores provided to the bank each month, and delivery through monthly bureau feeds and application data.
Our enterprise data platforms focus on governance and policy with an extensive suite of best-in-class portfolio reporting (risk, finance, marketing, and collections).
We create models using only Argus off-us data as a dependent variable. We then retro test the model’s score, create market cells, and campaign files. Next, we run the campaign and evaluate the results using Argus off-us and on-us performance. After validating and maintaining the models, we tweak and rebuild them as needed.
We are then able to execute to multiple platforms: FCRA-compliant prospect database, digital execution platform, mass media, and non-FCRA execution platform.