Prior Situation / Scenario:

• Loans available to only 54% of the total prepaid base with highly restrictive rules
• Generic, limited value proposition
• High/flat fees for customers
• Only loans based on prepaid balance

Client Challenges:

• Improve data pack adoption and frequency
• Reduce bad debt
• Difficult to assign segmented/contextual offers for each subscriber profile
• Improve customer experience

Strata Solution/ Key Enablers:

• We deployed a Risk scoring model combined with a real-time triggers to approach subscribers based on prior usage and payment behavior to determine loan amount.
• Segmented payback to reduce fees depending on outstanding debt

Outcome:

• Increased the loans amount while keeping the risk controlled
• Expand the targetable group for the service.
• Simplified and shortened prepaid loans and accelerated loan payback rates.
• Customer Satisfaction improved due to the service accessibility and contextual moment of Loan offering.