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TRIAD^TM *

When it comes to finance- and credit-related processes, it is essential to be able to predict the possible outcome of your strategic choices. TRIAD^TM * is an adaptive control system that facilitates the process of developing, refining and implementing different credit and marketing strategies, across the credit product spectrum.

TRIAD^TM * uses predictive analytics to forecast future account performance, helping you to determine the success of a number of strategy variations.

Full integration with VisionPLUS®

TRIAD^TM *, a registered product of Fair, Isaac Corporation, is completely integrated into the VisionPLUS® ** processing platform, enabling you to automate, streamline and enhance the entire credit management lifecycle seamlessly.

Employing an integrated combination of software, rather than two discrete systems, means that data input is simplified, efficiency and processing speeds are improved, and more accurate output can be expected.

Modular approach

Each TRIAD^TM * implementation can have a tailored combination of elements across the following decision areas:

• Delinquent collections - prioritise collections on higher-risk accounts
• Marketing communications - target solicitations to lower risk, more profitable accounts
• Performance 'risk-based' repricing - align pricing strategies based on risk/revenue assessments
• Re-issue management - automate renewal and re-issue processes to improve cost-efficiency and reduce risk
• Credit line management - expand the buying power of your best accounts and control losses on higher risk accounts
• Over-limit collections - take automated profit-based decisions based on true levels of risk for individual over-limit accounts
• Authorisations management - make faster authorisation decisions by using current customer behavioural intelligence

The benefits of TRIAD^TM *

TRIAD^TM * helps customer-focused businesses to improve profitability by:

1. 1. Informing and guiding management in planning strategically for the profitability of portfolios. TRIAD^TM * supports multiple products, portfolios and strategies for a range of decision points, and tracks performance in risk, revenue and other metrics.
2. 2. Providing continual strategic development, refinement, testing and learning of portfolios within a controlled test environment. This allows for fast implementation and lowers the exposure to risk.
3. 3. Lowering operational costs and limiting the impact on IT resources, by enabling smooth integration into billing and customer information systems.
4. 4. Providing powerful integrated analytics, business expertise and business insights that are tailored to the strategic, financial and operational needs of the business.

* TRIAD^TM is a registered product of Fair, Isaac Corporation.
** VisionPLUS® is a registered product of First Data Corporation.