If it started to look like a problem was developing for a certain member, DTCU could offer individual counseling services in-house, refer them to an outside agency or offer alternate payment plans.
Through EZMart, DTCU has been able to run segmentation models on its customer base to see which segments should receive specific promotions.
To help it in cross-selling certificates of deposit, individual retirement accounts and other investment vehicles, DTCU is using Unica Corp.'s Affinium predictive modeling suite to determine which product information and promotions are most likely to meet members' needs.
The next phase of the program implementation will allow DTCU to offer truly customized one-to-one service to its members.
Thompson admits it all would have been out of reach for a smaller financial institution like DTCU without exceptional circumstances: The organization had agreed to be the test site for the IBM pilot program.
Before the Dallas Teachers Credit Union (DTCU) could use mapping and sophisticated business intelligence to make the most of its database, it needed to convert all the data into one data warehouse.
Then using transformation and loading components through IBM's Visual Warehouse, the DTCU loaded the data into a homogeneous format within IBM's DB2 Universal Database.