IBM Accelerator Catalog
IBM Accelerator Catalog

Credit Card Default

Identify at-risk credit card holders and reach out proactively with account-saving promotions.

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Key Challenges

What is an accelerator?
Industry Accelerators are a packaged set of technical assets used to help you tackle your next data science project by addressing your most pressing business challenges. With sample data, notebooks, scripts, a sample application and more, you can kickstart your own implementation and leverage the power of Cloud Pak for Data.

  • Of the American families that spend more than they receive each month, 43% borrow and use credit cards to finance the shortfall
  • 48% of credit card users make minimum payments on their credit cards and have an amount roll over to the next month
  • In its annual stress tests, the Federal Reserve models credit card loss rates for large banks to be 11.3% in an adverse scenario and 16.35% in a severely adverse scenario

Get personal with your banking and insurance clientele

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Expected Business Outcome

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Expedite on-ramp

Offer targeted assistance

Mitigate credit loss

Get your credit card default prediction models up and running faster

Use predictions to identify potential defaulters and provide tailored offers to help customers manage their debt

Take proactive measures to limit the occurrences of defaults and prevent potential losses

Reskill or upskill to simplify your decisions from predictions to mitigate loss from credit card default.



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Video

Key Features

Information architecture

End-to-end AI Ladder application

Modular framework

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An architecture enabling you to extract meaning from your data to prediction and prevent loss around credit card default

From cataloging data through a glossary of terms to model development and deployment, simplify the lifecycle of your AI project

Composable and extensible pattern that can be applied to new data and industries

Get Started

Start experimenting today. Request a test run to get started.

Kick-start your data science solution with this accelerator.

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Highlighted Products for this Accelerator

IBM Cloud Pak for Data

Built on Red Hat OpenShift Container Platform, IBM Cloud Pak for Data accelerates your journey to AI to transform how your business operates with an open, extensible data and AI platform that runs on any cloud.

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Watson Knowledge Catalog

Help your data users quickly find, curate, categorize and share data, analytical models and their relationships with other members of your organization.

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Watson Studio

Empower your data science and AI teams to refine data and visually build and deploy models, using data on the desktop for anytime, anywhere access.

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AutoAI

An award-winning development capability to automate Data preparation and Model development, and help simplify AI lifecycle management cycle.

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SPSS Modeler

You can use SPSS Modeler flows to build machine learning pipelines that you can use to iterate rapidly during the model building process.

ViewLearn More

Cognos Analytics on Cloud Pak for Data

An AI-infused business intelligence solution that accelerates data prep, analysis, and reporting for smarter business.

ViewLearn More

IBM Db2 on Cloud

A fully managed cloud database with AI capabilities that keep your business running 24x7..

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Related Accelerators

Loan Default

Mitigate loan defaults by anticipating at-risk accounts early on.

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Customer Segmentation

Identify patterns of behavior to boost your accuracy, target the right potential customers and improve customer journeys.

ViewLearn More

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Additional details

  • Accelerator typeCloud Pak for Data industry
  • IndustryFinancial Markets
  • Business functionAny
  • Product and version Cloud Pak for Data,Watson Knowledge Catalog,Watson Studio,Cognos Analytics - Current
  • Author typeIBM
  • Company nameIBM Data Science and AI Elite Team
  • Author nameData Science and AI Elite Team
  • Last modifiedSeptember 17th, 2020
  • Language English