Selling financial products (insurance, assistance, etc.) is very relevant when monetizing credit card portfolios. However, informing all customers at all times about the full range of products is not profitable, and the oversupply can become annoying, which burns communication channels.
Propensity models were developed in order to decide which financial products to offer to which customer, obtaining significant results. The models and indicators were implemented and systematically monitored. This process generated databases to feed Business Intelligence (BI), presenting performance indicators with impact measurement for the business’ day-to-day and intelligent management of sales channels.