Purpose: customer behavior analysis, credit accounts monitoring, bank customer management, portfolio calculations, Basel II compliant portfolio management.

Banks need Scorto™ Behavia because

  • Customers demand more and more, so bank should discover customer needs and abilities faster than competition and balance these needs with bank’s business objectives
  • It allows to improve business profitability with more efficient decisions
  • The whole potential of bank retail portfolios should be realized
  • Acquisition costs increase, so banks should generate more profit from existing customers
  • With agility and risk assessment analytics it’s much easier to win competition
  • It’s possible to employ acute customer segmentation and risk

Concept and Key Tasks

  • Portfolio risk management
  • Credit accounts monitoring
  • Customer relationships strategy design, implementation and management
  • Cross-sell, up-sell decision support based on customer’s behavior
  • Assistance in credit renewal decisions
  • Predict churn and/or customer interest in different products
  • Risk-based pricing
  • Portfolio calculation and risk assessment on a regular basis
  • Automated reporting for portfolio analysis and Basel II/III compliance
  • Scoring, analysis, and decisions improve Customer Relationship Management
  • Predicting customer behavior on both macro and micro levels

Value Proposition

  • Incredibly intuitive and easy to use
  • No limit in terms of number of users, or number decision/workflows
  • Incredibly fast, suitable for portfolios of all sizes (millions of transactions in a matter of minutes)
  • Perfect CLC tool
  • Incredible ROI and customer loyalty benefits
  • Easy to integrate and understand

Examples of Industries and Applications:

  • Banking and Finance:
    • Probability of Default
    • Customer Loyalty
    • Cross and Up-Selling
    • Basel II/III compliance
  • Insurance:
    • Adjustments of premiums
    • Modeling of claim risk
    • Cross and Up-Selling
  • Telecommunications
    • Customer Satisfaction and Loyalty
    • Cross and Up-Selling
    • Increased understanding of client beh

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