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.
A proactive approach to credit and collections challenges
Without the ability to effectively target at-risk customers with the right strategy, bad debt has been shown to rise considerably. We use a proactive approach to credit and collections challenges, using advanced real-time trending analytics to recognise customer, industry and country-specific trends and mitigate risk.
Through our partners, we provide up-front credit control through both online and offline credit/risk assessments and analysis, as well as offline credit history and reference checks. We deliver periodic credit and risk reviews to minimise bad debt exposure.
Post credit check, Arvato’s risk management technology identifies relevant payment methods for each individual customer, increasing conversion through a personal approach.
Reduction of complexity
arvato’s comprehensive risk management solutions cover all aspects of risk managements and analytics, allowing our clients to focus on their core business.
Sophisticated tracking technologies for the detection of fraud patterns
PC, tablet, smartphone or game console: each of these devices leaves a unique and identifiable trace. Arvato’s sophisticated tracking technology identifies particular internet access devices on the basis of this in real-time, protecting your business from fraudulent users.
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
Recognise 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
Maximise your earnings while minimising 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.