Predictive Modeling
Harland Clarke has a full suite of proven analytical tools that helps to enable you to leverage existing accountholder data to improve performance. The StraticsTM product suite provides predictive modeling intelligence that increases the effectiveness of your cross-and up-sell marketing efforts. By leveraging Harland Clarke’s Industry Database as well as your accountholder information, Stratics can be used to define a relationship strategy for individual accountholders as well as specific market segments.Stratics™ Value Segmentation evaluates your portfolio across two key indicators: attrition and purchase propensity. Stratics™ helps you understand your accountholders and effectively market to them by providing the following predictive models for retail and small business banking:
- Purchase Potential Models: help predict which accountholders have the propensity to purchase a specific product
- Next Most Likely Product Models: help predict the next product the household has the greatest propensity to purchase
- Attrition Predictor Models: help predict accountholder propensity to diminish balances
- Custom Solutions: enable you to address your specific business challenges using custom predictive models
Targeting and Segmentation
Effective marketing programs address the individual needs and characteristics of a target segment. Harland Clarke’s segmentation capabilities enable you to develop targeted programs and help to ensure your offers reach the optimum audience utilizing the most effective channel.
Data Mining
Get a new perspective on your bottom line. Let our team of analysts help uncover some of your best untapped opportunities. There are many opportunities for growth, retention and income generation—all you have to do is find them. Harland Clarke’s team of seasoned analysts specializes in database mining. We’ll drill through layers of accountholder data, product usage, household profitability, demographics—even market data and peer statistics—allowing you to focus on generating income instead of concentrating on reams of research and report statistics.
Data Enhancement/List Services
Overlay your accountholder data with vital demographic and geographic data that will boost your analytical power. You can also take advantage of our list services expertise. Harland Clarke can help you with:
- Demographic and geographic data
- P$YCLE® segmentation
- Direct Credit scoring
- Prospect list acquisition
Mystery Shopping
Consumers expect more today from their financial institution. They want to deal with knowledgeable employees who take ownership and do more than handle transactions. They want to have their needs recognized and possible solutions presented. They want to walk into a branch that is professionally merchandised and ready for business. They want 24/7 access through email, online services and fast responses. And they know they have many choices when it comes to financial services. How can financial institutions compete to be that provider of choice? By setting standards for quality service and then measuring the results from their accountholders’ perspective.What is mystery shopping? It is a program that employs professionally trained people, known as shoppers, who conduct in-person, telephone and website evaluations of a client’s service through predetermined, customized scenarios.
Harland Clarke’s Mystery Shopping Program provides clients with both quality service evaluations and extensive reporting. Through a positive approach to quality service measurement, the program is designed to recognize employee’s strengths and identify development areas. Harland Clarke’s program provides:
- A baseline analysis of current skill sets among designated employee groups
- Feedback on in-person evaluations and alternative delivery systems (phone center, back office, web site, etc.)
- Ongoing service evaluations to measure improvements and provide specific information to the management team to support coaching efforts
- Online results reporting that includes graphs and extensive historical perspectives
- Employee incentives including certificates, recognition opportunities and recommendations for and coordination with incentive programs
