Systems and methods for migrating customers to alternative financial products

摘要

Systems and methods for migrating customers to alternative financial products are provided. A set of customers of a financial institution may be identified by a financial system that includes one or more computers. Each of the customers may be eligible for a migration from a first financial product to a second financial product. A pre-migration test may be conducted for a subset of the set of customers to determine an attrition risk associated with the migration of the set of customers to the second financial product. Based upon a determination that the attrition risk is acceptable, the migration of the set of customers from the first financial product to the second financial product may be directed.

主权项

1. A method, comprising:
identifying, by a computerized financial system comprising one or more computers, a set of one or more customers of a financial institution, wherein each of the one or more customers is eligible for a migration from a first financial product to a second financial product; identifying, by the computerized financial system, a subset of one or more customers of the set of one or more customers; conducting, by the computerized financial system, a pre-migration test for the subset to determine a migration risk metric associated with the migration of the set of one or more customers to the second financial product, wherein conducting the pre-migration test comprises:
determining, by the computerized financial system, one or more pre-notice attrition risk values, wherein each pre-notice attrition risk value is associated with a respective customer in the subset,directing, by the computerized financial system, communication of one or more migration notices, wherein each migration notice is communicated to a respective customer in the subset subsequent to determining a respective pre-notice attrition risk value associated with the respective customer, anddetermining, by the computerized financial system, one or more post-notice attrition risk values, wherein each post-notice attrition risk value is associated with a respective customer in the subset and is determined subsequent to directing communication of the respective migration notice to the respective customer; determining, by the computerized financial system, the migration risk metric based at least in part upon the one or more pre-notice attrition risk values and the one or more post-notice attrition risk values; determining, by the computerized financial system, that the migration risk metric does not exceed a risk threshold value; and directing, by the computerized financial system and based at least in part upon a determination that the migration risk metric does not exceed the risk threshold value, the migration of the set of one or more customers from the first financial product to the second financial product.