ISSUE 2 • 2008
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The Advisor - Actionable Intelligence from MasterCard Advisors | |
Table of Contents | |
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Editor's Note
Thriving in a Higher-Risk Environment
By Andrea E. GlanzInsights into changing consumer behavior—coupled with strategies for better managing risk, stemming attrition, and uncovering new paths to growth—can increase profitability even in a challenging economy. |
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Cardholder Insight
"Won't Payers" Raise the Risk of Default
By Ramsey El-Assal and Edmund V. TribueToday's economic downturn is different from past recessions. By understanding changing consumer payment patterns, issuers will be able to better identify at-risk cardholder segments and devise effective strategies and processes to handle them. Read More » |
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Best Practices
Rethinking Your Credit Risk Strategies
By Richard Openshaw and Tommy LeeTo better manage delinquencies, stem charge-offs, and maintain profitability, issuers need to evaluate each cardholder as an individual, and adjust credit lines, pricing models, and collections management tactics accordingly. |
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Case Study
Which Accounts Are Worth Saving?
By William M. SaubertWhen it comes to customer retention, issuers may be surprised to learn which cardholders are worth the investment. A leading Australian bank cut attrition 22 percent and increased profits by using sophisticated propensity and profitability models. Read More » |
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Market Opportunity
The Small Business Opportunity: Hiding in Plain Sight
By Michael CarboneSmall business is one of the few card segments still growing by double digits. Issuers can capture these high-spending, profitable cardholders by employing propensity models to identify the best prospects, devising competitive, targeted products, and making effective use of marketing channels. Read More » |