Depending on the needs of your business, you may leverage the entire PowerCurve platform, or just focus on the area where you need the most help. This platform has the ability to make application decisions across multiple channels, enrich applicant data, and integrate with credit bureau data sources during the originations process. Once a customer is in your portfolio you can execute a coordinated set of account-level treatment strategies to effectively cross-sell and up-sell, proactively reach out to accounts with untapped potential or with increasing risk, and reduce customer attrition with targeted incentives. You have the flexibility to incorporate new decisioning capabilities into your existing environment, perform Champion/Challenger testing, and adapt and maneuver in changing environments. We know that customers can fall on hard times, when this happens you can leverage unified collections management capabilities. Data is combined from a range of sources to segment accounts and workflow assignments to drive specific, targeted, and proven collections actions, while remaining compliant.