MicroAnalytics Platform

The all-in-one, cloud-enabled credit risk, marketing and churn reduction platform

Challenges, Opportunities – Solved!

The MicroAnalytics platform provides a suite of products and services, all from the same technology framework, helping telcos and fintechs accurately predict credit risk, marketing propensities, and subscriber churn.

Start with one solution, easily turn on others, and benefit from the most predictive insights derived solely from payment and transaction details.

Microanalytics - Leading the next phase of credit risk and digital marketing for mobile network operators and their financial partners

Microanalytics - Lending the next phase of credit risk and digital marketing for mobile network operators and their financial partners

Modular components enable rapid business benefits

The MicroAnalytics platform provides a modular approach to component-based services, enabling rapid deployment of new solutions, all based on the ever-evolving business needs and priorities of our clients. The MicroAnalytics platform can be deployed in a matter of days to address pressing business needs and can then expand over time as needed.

Have a churn problem? Start with our churn prediction and treatment service, and then add on our credit risk module, our dynamic prepaid service, or any other module. The MicroAnalytics platform seamlessly adapts to your real-time business priorities.

Swift access through cloud infrastructure

All MicroAnalytics solutions are accessible through our cloud infrastructure, without having to purchase, configure and deploy costly IT servers.

Our API interfaces enable seamless integration into your existing network operations, encrypting data as required to meet client and regulatory standards.

From Data to Action: All in One Platform

Advanced Analytics

MicroAnalytics is a pioneer in advanced analytic scoring models to predict consumer behavior. From machine learning models to the latest in artificial intelligence, MicroAnalytics continually monitors academic research in the predictive analytics field and applies innovative methods to client challenges and opportunities.

The result is a continuously improving suite of algorithms tailored specifically to each and every client.

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: Our scoring engine assesses default risk using weighted variables tailored to each use case—because defaulting on a €5 loan isn’t the same as defaulting on a new iPhone.

Propensity scores: We build highly predictive propensity models by analyzing each subscriber’s past behavior and that of similar cohorts, helping tailor offers with precision.

Churn predictions: We detect churn risk early—before usage stops—by analyzing subtle behavioral shifts and triggering targeted actions to retain subscribers.

Marketing scores: By combining risk, propensity, churn, and more, our platform creates marketing scores that boost revenue, conversions, and customer 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 others

- Event-based triggers
- Eligibility checks
- Limit Assignment Optimisations
- Limit managements
- Product/Payment terms
- Counteroffers
- Prediction behaviors
- Remediation strategies
- Consumer experiences
- Payment rails
- 24×7 monitoring
- Handset locking strategies

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