Capital Services White Paper Focuses on Importance of Big Data Analysis to Credit Card Programs

The white paper, Turning Data into Action: How Credit Card Programs Can Benefit from the World of Big Data, is now available from Capital Services. The white paper looks at the critical role of data analytics and credit card profitability.

Sioux Falls, SD, November 20, 2013 --( The success and profitability of credit card programs are often directly related to how well a bank or credit union analyzes data amid the deluge of information they face today. A new Capital Services white paper addresses the challenges facing financial institutions in a world of Big Data.

The white paper, titled Turning Data into Action: How Credit Card Programs Can Benefit from the World of Big Data, looks at the critical role that data analytics plays. It is aimed at educating banks and credit unions about scorecards – prediction tools derived through analytics – and how they enable smart, data-driven strategies.

Capital Services is known for its data analysis capabilities, which ensure precise, consistent segmentation, modeling, and forecasting in the areas of asset origination, portfolio management, customized programming, technology, and customer service. The company's emphasis on account-level profitability utilizes vast volumes of historical and current account data to deliver the greatest returns for financial institutions.

"Using analytics to make data-driven decisions is a proven strategy for success," said Chuck Hendrickson, CEO of Capital Services. "Analytics that examine the right data and interpret it can provide empirical guidance on what is and is not working within a card program.”

The white paper explores how analytics not only provide a roadmap to previously untapped markets, but also guide a financial institution's ongoing decisions regarding its credit card portfolio marketing, risk, and underwriting. Analytics remove the guesswork and replace it with guidance based on proven empirical performance, enabling a bank or credit union to turn its card program into a high-performing asset.

Capital Services, Hendrickson said, provides the ultimate in visibility into a credit card portfolio. The company's ViPRsm Vintage Profitability Reporting system, he noted, "enables financial institutions to analyze their portfolios at a very granular level, develop market-proven scorecards, and make changes to the programs that maximize returns."

The white paper is available at

About Capital Services
Capital Services is a leading payment portfolio management and servicing company that creates, evolves, and services profitable payment programs in partnership with our clients. Focused on financial strength, we successfully originate and manage card assets and provide a unique and innovative set of services in the payments industry for more than 670,000 accounts from over 150 financial institutions. Capital Services began operation in 1998 with a focus on the management and servicing of credit card portfolios. The company was built by executives with years of experience in the financial services and credit card industries and has grown beyond credit cards to include a full range of payment products and services. Capital Services has two locations, in Sioux Falls and Brookings, South Dakota. For more information, visit
Capital Services
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