Digital customer service technology from Personetics, first deployed three years ago, helps payment card issuers cut costs through predictive models that anticipate a cardholder’s question or problem when they make initial contact in an online session. Predicting accurately requires a considerable amount of data about the cardholder, which Personetics receives from issuers and supplements with third-party data. All issuer data remains on the issuer’s site. Data from Personetics and third parties is stored offsite. Personetics’ model predicts more than 200 customer problems or question...