Case study - Loss Prevention Services

AT&T Mobility wanted to understand: why do “good” customers pay infrequently? How can we encourage better payment practices? Specifically, can they: Predict delinquency risk and create custom engagements to alter payment behavior Reduce DSO, increase liquidity, without negatively impacting customer sentiment

In under 60 days, Rule14 delivered a customized AT&T Loss Prevention platform which:

• Integrated disparate internal data silos (CSR records, payments/billing, sales, demographics).
• Enhanced customer profiles with external demographic and social media data.
• Accurately predicted delinquency and customer responsiveness to contact.
• Deployed targeted engagements campaigns (SMS, email, voice call) to encourage self-service payment options.

Collection agencies today are faced with a variety of challenges: shrinking margins, an industry-wide ability to easily contact large account volumes, and significant competitive pressure. In this trying environment, an agency contacted Rule14 to gain a competitive advantage through prescriptive insights. The company’s existing operations strategy relied upon credit score and managerial experience to direct the account treatments. While the expertise model kept them in business, significant efforts were still being spent on low-value accounts.

• High resolution account profiling in near real-time.
• Accurate recovery rate and payment forecasting, even for accounts without credit scores.
• Dynamic collection strategy recommendations (date/ time of contact, frequency of dialing, etc.).