ABLE Monitoring platform enables business users to exploit extensive loan monitoring capabilities over retail, corporate, and SME portfolios and gives lenders opportunities to manage customer and account relationships more profitably. ABLE Monitoring Capabilities Boost revenue Boost of average customer profitability by pre-approved loans, event-based personalized offers with geo-tagging, and regular adjustments of credit limits and rates. Prevent defaults Decrease of bad debt ratio in portfolio by effective pre-collection and early collections treatments. Foster loyalty Customer loyalty increase by providing targeted proposals as a quick reaction to the client’s situation change, through all available channels. ABLE Monitoring Features Credit line management Identification of the total credit line to be extended to a borrower or account, which improves profits by expanding the buying power of the best customers while limiting exposure from those that are riskier. Collections to facilitate cash flow Increases collections effectiveness, reducing both collections costs and losses while maintaining customer satisfaction. Accelerates pre-collection and collection treatments on higher-risk customers while lower-risk customers are given time to self-correct. Cross-sell and up-sell communications Ensures effective target promotions and cross-selling by determining the next product to offer the customer and the best channel to make the offer. Financial organizations can build customer loyalty, cross-sell more effectively, and target solicitations to low-risk, profitable customers. Behavior-based pricing Targets pricing adjustments on the basis of customer behavior, acting not only to invoke punitive pricing when permitted by a service agreement(s) but also to increase revenues by stimulating increased usage. Card authorizations 360 customer view allows fast real-time decisions on shadow limits for point-of-sale transactions to grow revenue and improve customer satisfaction. Custom decision area Any decision areas can be configured for event-based loan monitoring and treatment.