Even in periods when credit card delinquencies are low, such as they are now, over 20% of cardholders are late making their monthly payments. Giving them a nudge to take action is the expertise of Symend, which analyzes large amounts of data to create a personalized digital outreach campaign. The aim is to create a positive action and a positive feeling toward the card issuer. Too often, collection efforts leave a cardholder feeling harassed, which can lead to losing future business to a competitor’s card. Symend creates a sequence of personalized communications for cardholders that inclu...