Cardholder segmentation, transactional trigger analytics, channel and vintage analysis, portfolio valuation, KPI accountability. Analytically-driven companies look to these and other measures to out-do their competition and generate above-average profits for their shareholders. Do you look at your business this way? Do you have that nagging feeling that you should know more about your cardholders, their usage patterns and their lifetime value?

Processing platforms are designed to be rock-solid transaction engines, but they are not designed to generate the insight and business intelligence needed to make your business a successful profit machine. Our integrated dashboards, business intelligence reporting and analytic services are designed to work seamlessly together turning your raw data into actionable information.

ARM combines technology with industry expertise to shine a light on your complex cardholder base, allowing you to create the segmentation to drive maximum portfolio profitability and valuation. Utilizing ARM's transactional trigger data as well as predictive analytics, we will bring your program a new level of efficiency to marketing, operations, and segmentation.

Loyalty is more than a merchant discount or cash-back program! A successful retention strategy is one that rewards your most valuable customers and connects them to your product on an emotional level, so that they want to continue their relationship with you, despite competitive pressures to the contrary.

This presumes that you can properly analyze the mountains of underlying data to recognize, communicate with, and reward your most valuable cardholders. Do your existing systems allow you to do that? How long does it take you to identify and engage your most stable and valuable customers?

ARM's Web 2.0 approach to retention is built on a solid base of analytics and loyalty best-practices, to help you recognize your most stable customers at the earliest possible stage, and to take action to begin your long-term relationship with them. We will help you identify the Word of Mouth champions within your portfolio, and give them the reasons and tools to help spread your message to their network, and become a virtual customer acquisition machine for you.

The math is simple. Depending on the efficiency of your customer acquisition program, you probably need to develop new revenue streams to drive long-term sustainable profitability. Successful monetization of your portfolio is the most effective way for you to create additional revenue streams from your existing portfolio.

Successful monetization, however, requires you to be able to properly segment your cardholders by a variety of factors, utilizing sophisticated analytic tools and methods. Chief amongst these are ARM's Stability and Behavioral profiling that allow you to segment your cardholders in sub-groups, as opposed to treating them all as one giant monolithic ball.

ARM's integrated analytics and loyalty programs are designed to give you the business intelligence and tools to create new revenue streams, resulting in significant incremental profitability. Whether partnering with your bank to market low dollar loans, or with merchants to deliver targeted offers, leveraging ARM's platform will allow you to generate more revenues per month, for more months, from your active cardholder base than you thought possible.