TRIAD adaptive control system

TRIAD® adaptive control system

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The TRIAD® adaptive control system is the leading credit account and customer management solution, with advanced analytics and unmatched strategy consulting and tools. Maximize revenues and minimize losses across multiple lines of business by accurately predicting risk and automating targeted treatments. Empower business users to continually push performance and adapt to change through champion/challenger testing—creating better challenger strategies than ever before.
Key Benefits
  • Lift portfolio performance across multiple dimensions
    TRIAD® system improves and automates decisions for credit cards, debit cards, loans, auto financing and other business lines. Typical client results include up to a 30% increase in revenues, up to a 25% decrease in delinquencies and up to a 25% increase in interest income.
  • Improve risk separation to sharpen segmentation and targeting
    Integrated analytics generate behavior scores accurately predicting the risk level of every account. Precision scoring enables you to increase portfolio segmentation for better targeted treatments.
  • Expand analytic insights to balance risk with reward
    Additional predictive models (e.g., collection, bankruptcy, revenue, response, attrition) help you make better decisions by creating strategies that incorporate a wider range of customer behavior forecasts. Business users can fold these into strategies without IT assistance.
  • Make efficient, profitable decisions reflecting the total customer relationship
    TRIAD® system lets you make automated decisions based on the organization's overall risk exposure and all the customer's accounts and obligations. Coordinated treatments reduce costs and help you retain and build valuable relationships.
  • Become a tougher, more agile competitor by improving and adapting strategies faster
    With champion-challenger testing, you systematically improve performance by learning from operational results. New and enhanced tools give business users more power and independence to create and modify strategies that push the performance edge and quickly respond to market change.
  • Gain an edge from your unique data
    Custom decision keys based on data competitors don't have may deliver a performance edge. Explore more competitive possibilities by quickly simulating custom key results.
Feature Highlights
  • Performs wide range of flexible decisioning
    From a single platform, TRIAD® system can manage any number of different automated decisioning processes for various product and risk portfolios in predefined and client-defined functional areas (credit facilities, authorizations, collections, marketing, pricing, reissue, etc.).
  • Incorporates advanced predictive analytics
    TRIAD® system incorporates behavior scoring based on your custom data or on pooled data from a consortium of 65% of the world's credit card accounts. It can also incorporate other types of analytics, such as custom collection models or Fair Isaac® Transaction Scores, to further refine risk-based portfolio segmentation or extend data-driven insights into additional decisioning areas.
  • Speeds the identification and implementation of top-performing strategies
    Highly refined champion-challenger facilities provide a controlled, low-risk method of comparing the performance of a current and alternative strategy in production. Winners can be rolled out across the entire portfolio with "push-button" ease.
  • Includes the industry's best strategy consulting and tools
    Fair Isaac strategy consultants bring TRIAD clients deep expertise from decades of helping credit managers design and test increasingly effective decision strategies for entry into champion-challenger testing. Strategy Designer, standard in TRIAD system 8.4, gives business users the means to automatically optimize strategies for simpler visualization and more efficient processing, explore large, complex strategies, and compare two strategies to quickly see where they differ in logic and path structure. Used with the TRIAD Analytic Datamart, Strategy Designer lets you simulate the impact of custom decision keys without having to implement them and collect production data.
  • Combines performance tracking with results interpretation
    The TRIAD Analytic Datamart, also standard, captures all data passed in and out of the TRIAD system, enabling comprehensive, detailed reporting. TRIAD consultants help you interpret results and use them to improve your strategies.
  • Available installed or hosted
    The TRIAD system can be installed on your premises or accessed as a secure hosted service through major credit card processors worldwide.
Versions
  • TRIAD adaptive control system version 8.4
    The latest version of the TRIAD adaptive control system offers a number of new innovations, including Strategy Designer, a revolutionary new way of viewing and comparing strategies that provides users with greater insight into how their strategies work, ultimately allowing them to design more effective strategies while reducing errors, and added power and flexibility with the latest features of the industry-leading business rules management system, Fair Isaac® Blaze Advisor® 6.5.5. TRIAD 8.4 also improves reporting with BusinessObjects XI R2 Desktop Intelligence, and includes enhancements to the TRIAD Analytic Datamart, making it easier than ever to optimize strategies and models, drill down into individual data records, and produce custom reports. Learn more about TRIAD version 8.4.
  • Processor TRIAD
    As an alternative to end-user TRIAD, Fair Isaac has partnered with several leading credit card processors across the globe to host TRIAD on behalf of their clients. While each of our processor partners offers their own unique services, all provide the three main TRIAD components: predictive analytics, adaptive control software and strategy consulting. Implementation is usually fast and inexpensive because the TRIAD system is already installed on the processor’s network and integrated with production systems. Predictive analytics may be in the form of pooled models, which are built using data from all of the processor’s clients and which can be tailored to your requirements, or they may be custom models based exclusively on your data. Processor TRIAD enables you to control the specific treatment of your accounts while not having to worry about the maintenance of the system.
Related Products
Evaluate

Two Canadian banks improve performance by connecting decisions

Banque Nationale du Canada / National Bank of Canada is expanding its implementation of the TRIAD system to drive innovations in its business practices for performance improvement. Decisions in credit line management, delinquent collections, overlimit collections, performance-based pricing, authorizations and reissue have all been brought into the loop of analytics-based automated decisioning.

>> Read the full success story

TD Canada Trust is extending analytics-based automated decisioning across not only account management functions for multiple lines of business, but the account lifecycle. An integrated implementation of TRIAD adaptive control system and Fair Isaac Capstone Decision Manager for originations is enabling the bank to make faster decisions while improving both the customer's experience and the bank's control over risk. For customers seeking higher limits on new accounts, for example, a preapproved TRIAD system limit can be called by Capstone Decision Manager. Early results include a 60% increase in new unsecured credit volume along with better management of the bank's provision for credit losses in this area.

"We wanted a vendor with expertise in decision systems and credit to give us advice and make sure we set up our strategies correctly. Speed was also of the essence."

Louise Nicholson, AVP Credit Infrastructure, TD Canada Trust

>> Read the full success story


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Conference

InterACT 09: The New Face of Risk

March 10-13, 2009, New York City
Hear customer successes, exchange ideas and see
new product releases at the Decision Management conference.
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Tradeshow

CCSA Credit & Collection Symposium of the Americas (tradeshow)
October 28-30, 2008, Miami, Florida, USA
Conference and exhibition.

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Providing credit education for your customers—a win-win-win proposition
November 12, 2008, 10:00AM - 11:00AM Pacific Time (US & Canada)
Ways to create a less risky customer base, and even turn customer demand for credit education into revenue.
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