RED.cloud Use Case: LOW MONEY Credit Advance

Some prepaid mobile customers are about to run out of airtime credit (monetary balance).

If they run out, it won’t be good for anyone:

All their outbound mobile services will be cut off. Customers won’t be happy and you’ll be losing revenue
If they have to top up, they’ll need to have enough funds and access to a top-up voucher or online channel. You could lose them at any stage.

With this RED.cloud Use Case, you could interact with them before their credit runs out, and:

Offer a credit advance for airtime or a specific service (data, minutes or SMS), based on credit worthiness
Gain incremental revenue that you’d otherwise not get
Add pure profit revenue from loan charges on their next recharge
Retain more customers and increase their ARPU, without cannibalising revenue.

Your Online Charging System (OCS) sends a trigger to RED.cloud when each customer’s balance reaches a preset Low Credit level.

RED.cloud instantly analyses each customer’s:

Profile, history, habits, offers made and accepted or not.
Credit worthiness via RED.cloud’s own credit score modelling or by query to one of your databases.

In a sub-second, RED.cloud predicts for each customer:

The precise moment to engage before the balance reaches zero.
Whether the customer is eligible to receive an advance
The ideal advance product (money, data, SMS, voice, VAS, hybrid)
The ideal package (denomination/size, validity, cost, admin fee etc.) with the greatest chance of acceptance.

Based on its analysis and prediction, for each customer RED.cloud tailors individual offers like:

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