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Next-Best-Action model (sample)

Suggest edit Updated on January 22, 2021

Pega Customer Decision Hub for Financial Services provides a robust Next-Best-Action model, which includes strategies, offers, as well as AI models in the sample application.

PriorityBusiness objectiveBusiness groupProposition exampleDescription
1CollectionsPreCollectionReduceBalanceReturns actions for customers who are high collections risk or are currently in collections.
PostCollectionArrearsHighRisk
PaymentPlansWeeklyPayments
2ServiceAccountCreditLineManagementReturns servicing activities appropriate or pending with this customer as this time.
CustomerUpdateContactAddress
3UpsellCreditCardsWorldMastercardReturns offers promoting customers to upgrade into higher value products for an existing Line of Business (that is, upsell Free Checking to Premium Checking).
DepositAccountsPremiumChecking
BrokerageRolloverIRA
4CrossSellHomeLoansHELOCReturns offers promoting customers to open new accounts in a Line of Business not currently held (that is, cros-sell a checking account to a Credit Card-only customer).
AutoLoansUsed48Mo
DepositAccountsPremiumChecking
BrokerageRolloverIRA
5SalesHomeLoansFirstMortgage30yrReturns offers for customers and prospects using standard offer messages, small or medium business (SMB), and commercial loans, including secured loans.
BusinessLoansSBA Express Loan
AutoLoansUsed48Mo
PersonalCardsWorldMastercard
BusinessCardsBusiness Platinum Card
PersonalDepositsPremiumChecking
BusinessDepositsStandard Business Checking
BrokerageRolloverIRA
6NegotiationHomeLoansFirstMortgage30yrReturns product packages for customers who are candidates for right-sizing.
AutoLoansUsed48Mo
CreditCardsWorldMastercard
DepositAccountsPremiumChecking
BrokerageRolloverIRA
7NurtureHomeLoansFirstMortgage30yrRetuns messages that enhance the relationship with customer by highlighting benefits of current product holdings.
AutoLoansUsed48Mo
CreditCardsWorldMastercard
DepositAccountsPremiumChecking
BrokerageRolloverIRA
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