This document discusses how First Data's customer analytics and decision management platform helps businesses make faster, data-driven decisions across the customer lifecycle. The platform combines analysis, prediction, strategy and reporting capabilities to ensure better business outcomes. It analyzes costs and expected outcomes of actions, drives specific customer communications, records action results, and reduces reliance on resources through a hosted environment. This helps businesses accelerate profits through actionable customer insights, increase collections rates at lower costs, and build competitive intelligence through continuous refinement.