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Open to Buy Recognition

Adeptra helps clients recognize consumers’ open to buy and use it as an opportunity to offer differentiated service and marketing.

Part of managing consumer relationships includes recognizing trends in spending. If a consumer is attempting a transaction that may take them beyond their current open to buy (OTB), then Adeptra's Decision Engine can determine, in real-time, various options that might be available to an individual consumer to allow the transaction to take place. A consumer’s open to buy - in conjunction with other factors such as account open date, typical usage and payment history - can be used to determine which of these offers are most appropriate.

Consumers who are only able to maintain their current credit exposure and are not able to reduce their current usage over a period of time may be showing signs of financial stress. For these consumers, other communications may be ideal, such as those that focus on education as to why they were declined, the provision to create their own credit availability with an automated payment or the addition of overdraft protection to a debit account.

On the other hand, if a consumer does not pose a financial risk to the bank, the servicing side may be more appropriate. For these consumers, options might include offering a credit line increase or an authorization override (which would come with an over-limit fee if accepted).  If these processes are not deemed appropriate, then a simple communication to deliver the reason that the authorization was declined will enhance the consumer experience by proactively engaging with the consumer and keeping them informed.

  • Keep consumers informed about their available credit or reasons for decline
  • Identify valued consumers and opportunities to expand the relationship with them
  • Isolate troubled consumers and educate them to avoid delinquencies

Through understanding consumers' open to buy, Adeptra helps clients maximize opportunities to educate consumers, mitigate credit risk and capitalize on profitable relationships.

Reviewing Credit Line Increases

Complement risk detection processing while improving the core consumer experience through intelligent, individual credit line increase decisions.

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Decision Engine

Package, segment, route and prioritize service actions for the benefit of your consumers.

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I am a Fraud Manager

Identify Fraud Twice as Fast

Adeptra's Fraud Decision Engine eliminates unnecessary account blocks so you can penetrate deeper into lower risk pools to proactively find more fraud. Confirm suspect activity faster by interacting with consumers in every available channel: Voice, Email, SMS and Mobile app.

I am a Customer Service Manager

Engage Your Consumers

Deliver two-way interactive, multi-channel consumer conversations in real-time that are relevant and personalized. Seize the opportunity to engage with your consumers more regularly about important account details and differentiate your process from your competition.

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Increase Collections While Reducing Charge-offs

Maximize right party contacts and self-cure rates by interacting with consumers in every available channel: voice, Email, SMS and Mobile Application. Consider the overall relationship with your consumers to offer personalized payment arrangements and resolve troubled accounts.

I am a Risk Manager

Recognize Actionable Risk Changes

Enable holistic reviews of disparate consumer data sets deliver improved knowledge of their current risk positions. This capability significantly reduces the risk to your company and increases the opportunity to interact and deliver valued add-on services to your consumers.

I want to Reduce Fraud Losses

Confirm Fraud Faster While Increasing Consumer Satisfaction

Deliver two-way interactive conversations to the consumer with relevant content and provide a vehicle to confirm and resolve fraud investigation.

I Want to Improve Collection Rates

Engage Consumers in collections conversations not messages

Deliver, negotiate and resolve the reason for the call without live representative interaction. Achieve 80% success rate in promises kept, with lower costs throughout all delinquency stages.

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Partner with Your Consumers to Defeat Fraud

Examine fraud detection output and post authorization transactions to stamp out fraud earlier. With more consumers connected to their banks than ever before, Adeptra allows you to verify and resolve risk earlier in the transaction cycle.

I want to Enhance Collections Interactions

Increase Dollars Collected and Consumer Loyalty

Give your consumers the ability to self-cure within four separate automated channels. Many consumers prefer to have an automated communication rather than a live phone call. Adeptra delivers personalized conversations to consumers so that they can choose the steps to resolution that meet their needs and the banks.

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Proactively Deliver Service Excellence

Engage your consumers with appropriate, relevant, relationship-defining interactions and information. Today's consumer wants personalized information through their preferred channels.

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Adeptra's deep domain expertise gives you the ability to successfully resolve important, time-sensitive issues related to your consumers' accounts by giving you the knowledge and power to revolutionize contact best practices.