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Analyze of the consumer`s value

Analyze of the consumer`s value. Case study of the segmentation. subject: Revenue of the credit cards tools: combination of Income and Risk. Set up marginal values. Income: 150$ (sum of monthly transactions)

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Analyze of the consumer`s value

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  1. Analyze of the consumer`s value

  2. Case study of the segmentation • subject: Revenue of the credit cards • tools: combination of Income and Risk

  3. Set up marginal values • Income: 150$ (sum of monthly transactions) • Risk Score: 650 (average number of depreciations, which is bank willing to accept)

  4. Our task • Excellent costumers • Risk Income • Not restore credit costumers • Ticking time bomb

  5. Excellent costumers • Best costumer • Low risk, high revenue • Banks can provide favorable services and lower interest rates

  6. Risk Income • Create high level of revenue • High level risk • Bank loans/credits offers them less. • If this group gave higher fees, it might become the most profitable, because this group is the least likely to pass the competition

  7. Not restore credit costumers • From the viewpoint of marketing this group has the biggest challenge • these customers pay their installments on time. Are called "makers feared transactions". • These customers can become excellent customer and it may be for the bank eventually loss. • It is necessary to offer creative products at reduced rates and other benefits

  8. Ticking time bomb • these customers nobody wants. • Are risky and not renewed loans. • Banks are trying to get rid of the remaining interest rates.

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