Adaptive Control System

Use online predictive technologies to proactively respond to changes in risk in your credit card portfolio. Our Adaptive Control System Solution employs an advanced analytical model to evaluate cardholder accounts using a behavior score. This score, based on models from First Data and Fair, Isaac and Company, helps credit unions identify both positive and negative changes in credit conduct.

Our strategies make portfolio management decisions based on the combination of behavior scores with delinquency history, credit bureau scores and other account attributes for each individual account. With this solution, your credit union can take appropriate action for accounts that show increased risk, while rewarding accounts with decreased risk. Better management of credit line, reissue and collections strategies improves profitability while enhancing member service.

Our Adaptive Control System Solution allows credit unions to enroll in one or all of our management strategies:

• Credit Limit Management – Allows the systematic upward or downward adjustment of credit limits.
• Reissue – Establishes a customized reissue period based on performance and risk.
• Delinquency – Alters the flow of collection activity based on cardholder risk.
• Over limit – Manages overlimit accounts to reduce risk.