MicroAnalytics Platform

Data Aggregation

Data drives insight, and insight drives action. The MicroAnalytics data aggregation service extracts hard-to-find insights from voluminous and noisy data.

Plus, no need to go through time-consuming and error-prone data cleansing. MicroAnalytics can parse, filter, encrypt and transform raw data from on-premises data storage to our cloud-based data lake.

Profiling & Segmentation

• Profiling: The MicroAnalytics platform analyses and profiles each and every subscriber across a variety of different characteristics, including transaction activity, payments, data and voice utilisation, locations, and many more. These profiles provide unique and differentiated insights into the behaviours and propensities of the subscriber base, one consumer at a time.

• Segmentation: By combining subscribers into closely-defined similarity clusters, the MicroAnalytics platform can action groups of subscribers with similar treatments. This allows clients to define a set of treatments and offers that are then applied to clusters with the highest opportunity for conversion, keeping costs low and business benefits high.

Scoring

• Risk predictions: The MicroAnalytics scoring engine calculates risk scores based on a variety of features (“variables”), each of which is applied a weight based on the specific risk being predicted. After all, the risk of default on a five euro money loan is very different than the risk of default on a new iPhone.

• Propensity scores: The MicroAnalytics platform builds propensity models fashioned after the historical behaviours of each subscriber, combined with the predictive behaviours from similar cohorts, creating the most predictive set of outcomes for each consumer offer.

• Churn predictions: Subscribers at risk of churning are easy to predict, once they’ve stopped using the service!  The challenge and the opportunity is predicting far enough in advance which subscribers will churn so you can take preventative actions. The MicroAnalytics churn prediction service extracts out the most granular insights from behavioural changes to identify subscribers at risk, and then recommends and implements the best set of treatments to keep the subscribers active and engaged.

• Marketing scores: By combining risk, propensity, churn, and many other scores, the MicroAnalytics platform can build marketing scores and predictions that drive up revenue, conversion and loyalty.

Risk-Based Pricing

Risk-based pricing provides consumers with a subscriber-specific offering to maximize conversion and repayment. By tailoring interest rates, upfront payments, and loan terms to the creditworthiness and affordability of each consumer, the MicroAnalytics platform delivers high utilisation with minimal risk exposure.

Alerts & Warnings

• Technical alerts: The MicroAnalytics platform has a real-time monitoring service that continuously assesses the performance and responsiveness of services across the client base, ensuring that any issues that arise are identified well before they are visible to the customer base.

• Early warnings: When the MicroAnalytics system perceives anything out-of-the-ordinary in the performance of the lending, churn or marketing services, the Experian team will receive proactive and real-time business alerts to quickly evaluate whether the service is performing as-expected or needs to be adjusted.

Dashboards & Reports

The MicroAnalytics platform provides personalized dashboards and reports that enable clients to follow along and track business performance and results, both in real-time as well as through historical reports..

Through these insights, the client and the MicroAnalytics consultants work seamlessly to optimise the performance of the services being provided.

And Many Other

• Event-based triggers
• Eligibility checks
• Limit Assignment Optimisations
• Limit managements
• Product/Payment terms
• Counteroffers
• Prediction behaviors
• Remediation strategies
• Consumer experiences
• Payment rails
• 24x7 monitoring
• Handset locking strategies