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New Ideas in Portfolio Analytics

Boston, MA
January 2006

New Ideas in Portfolio Analytics 


In an environment of slowing portfolio growth rates, issuers need to explore ways to make their existing portfolios more profitable.  Mercator Advisory Group has covered a variety of strategies to improve portfolio returns in previous work, and in this report we delve more deeply into improving and expanding the uses of portfolio analytics across the account lifecycle. 

"Issuers are exploring all kinds of new ways to make use of portfolio analytics; whether to improve the quality of underwriting, better predict bankruptcy, detect fraud, and more effectively cross-sell or improve account retention," says Brian O'Keeffe, Director of Mercator's Credit Advisory Practice and the author of this report.  "In addition, issuers are trying their hardest to make use of data they already have that might be useful in ways they never expected before."   

The report discusses, among other subjects, the:

*  Current standard uses of analytics at every stage of the lifecycle

*  Recent and forthcoming innovations that will change these uses

*  Effects of some major industry trends on the need for and willingness to employ innovative analytic solutions

The report also includes a discussion of the burgeoning field of "alternative data" usage.  Issuers obviously maintain mountains of data on their cardholders, and a new breed of analytics seeks to use that data for new purposes, including specifically the use of transaction data analysis to feed both risk management and prediction systems, as well as cross-sell marketing programs.


This report contains 28 pages and 8 exhibits. (Figure 2 is above)

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