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It
is very important to check and understand the results
of a query. For instance, if you submit a
Dormant Checking Account Query and it finds 310
accounts in 308 households that match your criteria,
do you then send out 308 Dormant Warning Letters, or
do you dig deeper? Reviewing
the hits can be a very good idea. Looking at a
Profitability distribution report, you might find some
very profitable households own dormant accounts.
Here's what such a distribution report might show:
| Profitability |
A |
B |
C |
D |
E |
| # of HHs |
19 |
23 |
25 |
62 |
179 |
While
the standard Dormant Warning Letter
you use may be perfect
for 266 of the accounts (the C, D and E households
combined) it may not be suitable for the A and B
households. You may decide to leave the A and B
households alone and not send or do anything -- after
all, they are profitable. Or you may decide to
call the 19 A households, and send a different letter
to the 23 B households. Regardless of what you
might do, additional research revealed 42 accounts that
belong to profitable or very profitable
households. 42 households that you do not want
to alienate in any way. Other
report types can also help you to understand the
results of a query better. For instance, it may
be prudent to run a distribution report on
balances. Some E households may be high balance
CD or MMA households that you want to retain. You
can also use iNTEGRATOR's Data Browser to drill down
into specific checking accounts. Activity detail
is available at the Account Data level: 
Using
the Delivery Channel Data (Account) menu choice, you
will be able to see exact expenses and income for the
account, as well as get transaction counts by channel
(checks, ATM, phone banking, etc.). Sorting on a
detail field like Teller_MonthlyAvg in descending
order (largest number to smallest) you may discover
secondary information that helps you decide how best
to market to the target audience. Or it may help you
to segment your marketing to different sub-groups
within the target population. Click
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