Propensity to Pay

We used Predictive Modeling Variables, calculation Level Individual that included the Category - Variable Name input and Count of Distinct Contributor IDs for an Individual based on the prospects ability to make a payment or purchase the product.

Predictive Modeling Variables were used to build the credit score that included : 20 Contributors (and counting), representing more than 250 product lines and offers Detailed, multi-enterprise view of each consumer’s behavior over time provides a uniquely predictive marketing resource. Identify the open accounts most likely to result in collection, Focus resources on accounts with the highest profit potential, Speed up the collection of outstanding receivables, Reduce billing costs 10-15% by minimizing wasted costs for mail and tele-services.

• Geographic Scores
• Purchase History Variables
• Payment Scores
• Collection Scores
• High Risk Addresses
• Consumer Verification & COA Data
• Cooperative RFM
• Behavioral List Selection Data
• Demographic Scores

The Pars Response Transaction Base unites the detailed customer house files of a number of the nation's largest direct marketers - billions of individual transactions detailing response behavior in millions of direct sales relationships. Preferred channels. Product affinities. Orders, renewals and performance, captures a complete record of returns, cancellations and other customer service issues. It’s enhanced with deep demographic and psychographics data -- and a growing wealth of self-reported preferences.

Credit Decisioning:

Pars and its partners have worked with a number of credit bureaus to built our credit models specifically to meet the credit scoring needs of direct response marketers. A powerful, cost-effective alternative to traditional credit scoring services, (Pars Response Transaction Base) scores are based on consumer performance in "Bill-Me Later" and installment offers. This provides risk management decisioning both for list prescreening and at the order acceptance stage.

A different view of consumer opportunity and risk
Traditional credit scores are based on major financial commitments: home mortgages, credit cards, car loans, etc. the Pars Response Transaction Base program is sourced from direct response payment information, so the data more accurately reflects the risk profiles common to product marketers.

The Pars Response Transaction Base program offers both pre-computed and custom consumer scores, allowing marketers to balance opportunity and risk in direct response credit offers.

• Deep direct response histories identify the most responsive and loyal direct response consumers for prompt action and up-sell.
   
• Detailed information on write-offs, order/cancels, returns, average DSO and other performance variables spotlights risk areas, allowing marketers to manage consumers appropriate to specific profit models.

Superior coverage expands your credit universe
Pars Response Transaction Base offers broad coverage of active consumers who buy direct. Typical household match rates to mailing lists exceed 65% (50%+ for many Internet-sourced files). For marketers who traditionally rely on scores from major credit bureaus, Pars Response Transaction Base e can provide an affordable alternative or supplement for target populations with thin or non-existent traditional credit files.

Predictive Modeling Variables Contributors:

Club and continuity marketers seeking new sources of long-term members and reduced risk in bill-me later offers.

Magazine and newsletter publishers seeking profitable circulation growth and improved renewal rates.

Financial services and insurance marketers who require marketing-driven alternatives to traditional credit scores.

Merchandise and catalogue marketers seeking to increased response and back-end performance from credit card or installment customers.

Internet marketing service companies seeking to verify and qualify consumers for specific offers.

Analytics-driven organizations seeking detailed performance information for internal models..

If you have any questions, please don't hesitate to contact us.