Profitable risk management
Integrated strategies for customer optimization
arvato's combination of risk data and innovative sector-specific solutions for preventing fraud enable organizations to attain profitable customer relationships. When managing new customers, it is important to identify the opportunities and risks of each customer relationship. High-risk customers should not be developed at all or only with adequate discretion. Promising customers should be developed on long-term consideration for the company by up-selling and cross-selling. Failing customer relations – due to inactivity or irregular payment – should be managed to secure liquidity.
Our unerring risk and profit forecasts as well as innovative methods of fraud prevention minimize your risk of bad debt loss and optimize your profit.
Prevent customer relationships that carry a risk
Broad, high-quality data universe
Over 40 mil. negative characteristics for 7.8 mil. people and 450,000 companies
Latest data from the debtor lists of all local courts and other (consumer) insolvency data
Exclusive collection data with effective early warning function
Highly predictive scores for optimizing selectivity
Early identification of your customers' potential by
Focusing on acquisition of high-profit customers
Highly predictive analyses of customer potential
Over 37 mil. household data from our affiliated company, AZ Direkt GmbH
High flexibility by
Highly flexible opportunities for controlling the design of your process workflow
24x7 online availability (with exception of maintenance slots)
User-friendly response times in the millisecond range
Variable interfaces for all standard IT transmission protocols of Arvato Financial Solutions
Easy integration in your existing processing
Various combinations with other risk prevention products via other data bases
Easy, cost-efficient and safe implementation by means of
Easy integration in your automated customer processing
Fully developed state-of-the-art software standards
High flexibility and transparency for necessary adjustments of decision-making processes
Increase your delivery rates
Do you need to know if your customer is actually based at the specified address? Achieve the greatest possible security and save costs using optimal address management. Increase your delivery rates and avoid payment defaults by checking your customers' and business partners' addresses to ensure that they can receive deliveries.
Credit rating checks
Minimize risk and increase earnings
Credit rating checks limit the risk involved in doing business at all stages of the customer life cycle. They are an important factor in increasing earnings, reducing bad debts and lowering reminder costs.
For customers without negative payment experiences, the Informa-Consumer-Score forecasts the probability of a customer not paying due invoices or other credit risks. Thus you can easily identify a customer without negative payment history, but nevertheless risk can control your decision during acquisition and customer management.
Using the Boni-Score, you can calculate the future probability of a default in payment by consumers categorized as critical as early as during the ordering or application process. Therefore, their score helps you to decide whether to execute orders for goods or services placed by individuals with verified bad payment practices. You can actively manage your current collection processes by using the collection scoring in order to predict the probability and amount of successful collections.
Return-debit prevention pool
Return-debit Prevention Pool (RPP)
SEPA direct debiting is the payment method par excellence across all industries. What all industries have in common is that they face the risk of returned SEPA direct debits (chargeback) if accounts are uncovered. There are further risks which, however, can vary according to the industry.
The telecommunications pool is a poil of closed data that is exclusively designed for telecommunications companies. Concurrently, the principle of reciprocity applies: the participating company can only receive information from the pool when it provides its own data to the pool.
Risk and yield scoring
Be one step ahead right from the beginning, retain your customers and keep them on track
You set the course for a profitable portfolio at the beginning of the customer relationship: an optimum decision requires a reliable prediction of the expected customer behaviour (e.g. payment of the purchase or repayment of a loan) when receiving the application. Potentially profitable customers should be acquired while customers with a high risk should be avoided from the very beginning.
Early fraud prevention and avoidance
Recognize irregular payment behaviour
The usual risk management instruments are ineffective as they evaluate risks only for existing consumers. As the names and addresses of the fraudulent accounts are unknown the risk can only be identified subsequently when the goods are delivered but not paid. We offer you the most innnovative tools in order to avoid fraudulent orders.
risk solution services
Maximize your earnings while minimizing risks
Arvato Financial Solutions offers risk solution services all over Europe, promising extensive protection and risk management that maximizes earnings that is individually adjusted to your requirements and easy to implement.
Our unique and personal approach to risk management entails your own personal Risk Manager taking over the continuous analysis of your risk management and support you in all matters concerning risk management.
- Risk and fraud prevention
Automated and rule-based risk and fraud prevention for protection against losses on bad debts ensures the success of your company.
- Active management of payment options
Improve customer satisfaction by giving your customer the choice to choose between all payment options available depending on the individual risk profile.
- Dynamic limit management
Assess the risk and potential of your customers by developing and managing a dynamic limit through the use of external credit scores and available payment information.
Real time reporting on all relevant KPIs gives you transparency throughout your risk management process, anytime and anywhere.
- Configuration instead oft programming
The modular structure of risk solution services gives you maximum flexibility: fast and uncomplicated adjustment of your risk management to changes in framework conditions.
Identify fraudulent devices and fraud quickly and efficiently
The internet is a good place for business. For traders, however, it is also an unsafe and anonymous place. This concerns mainly online shops as well as providers in the telecommunication or online gaming sector. They face high losses due to fraudulent activities. For example: Fraudsters place several orders in an online shop within a short time period using different user names.The deliveries are sent to different but existent addresses. Or a user creates several accounts with incorrect identity in order to illegally make multiple use of special offers.
digital account check
Simple loan application - maximum security
The German finance sector receives almost 25 million loan applications per year. However, in spite of a variety of optimisations in recent years, there has still been no fully automated process for processing these applications – until now.
Sustainable consulting services for your success
Our portfolio of consulting services includes process audits, project management, analytical methods, integration services, mathematic-statistical prediction models, benchmarking as well as the further comprehensive and strategic development of your risk management processes. Take advantage of our industry know-how to reach your goals.
RiskShield 360° deters fraudsters
The increasing pressure of competition and ongoing industrialization further reduce the scope for insurance companies. Therefore, the handling of claims becomes more and more important for insurance companies. In this context, one essential factor is to prevent insurance fraud which causes an annual loss of about 4 billion Euros in Germany.