Understanding Every Member with Alternative Data

Your most valuable customers don’t announce their departure. By the time balances decline or activity slows, competitors have already captured share of wallet.

Download our strategic snapshot to learn how your institution can identify behavioral shifts early, respond confidently and accelerate high-value customers forward.

Did you know?

• Customers typically hold less than 50% of their deposits or loans with a single institution.
• Selling to an existing customer can be up to 10x more successful than acquiring a new one.
• A 5% increase in customer retention can boost profits by 25% to 95%.

Bayesian Optimization offers a more efficient way to tune machine learning models at scale. This white paper presents a controlled comparison with Grid Search using production credit-risk data to measure runtime and model performance.

• Up to 80× faster hyperparameter tuning
• No loss in CV or holdout AUC
• Evidence from LightGBM credit-risk models
• Guidance for governed ML environments

This tip sheet explores where fraud can enter the customer lifecycle and how predictive fraud risk scores help distinguish fraud from true credit risk and help you:

• Reduce first-payment default and bust-out fraud
• Detect synthetic identities earlier
• Improve prescreen and campaign ROI
• Strengthen account management decisions

Winning new customers is challenging but retaining them and growing their value is even harder.

In this exclusive webinar, America First Credit Union’s Kymrie Turner sits down with Experian’s Mark Soffietti to explore how leading institutions can leverage differentiated data to drive long-term customer value.

You’ll learn about:

• Five key challenges financial institutions face in account management and customer retention
• Risk-focused actions to help protect your institution and your customers
• How America First Credit Union approaches portfolio segmentation, forecasting, and credit limit optimization to strengthen member relationships