LUMINNOVATE

Insights

How do you know acting on an alert changed anything?

10%Simulation

Proving an alert is worth sending

of non urgent alerts held back is enough to detect a 30% cut in arrears

What was observed
An early warning system raises alerts, and a team works them.
What a generic approach says
Arrears fell after the calls, so the calls worked.
What the engine read
Holding back a random 10% of non urgent alerts for a year detected a 30% cut in later arrears in every simulated run. Urgent alerts are never held back.
What it meant for the decision
The value of acting is measured against borrowers who were not worked, not assumed from what happened next.

Figures are reproduced from Luminnovate's research records. Data sources are available on request; methods are proprietary.

Every decision that moves money should be able to show its working.

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