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Payment Pattern Segmentation

Payment Pattern Segmentation. Duquesne Light Company Roger D. Colton April 27, 2000. Chronic Payment Problems. Late (but full) payment Nonpayment Intermittent payment Incomplete payment Pay “something” but not full. Predictable Episodic Payment Problems.

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Payment Pattern Segmentation

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  1. Payment Pattern Segmentation Duquesne Light Company Roger D. Colton April 27, 2000

  2. Chronic Payment Problems • Late (but full) payment • Nonpayment • Intermittent payment • Incomplete payment • Pay “something” but not full

  3. Predictable Episodic Payment Problems • Seasonal nonpayment (bill-related) • Seasonal nonpayment (income-related) • “Special” event nonpayment (Christmas, school) • Wait for LIHEAP • End of moratorium

  4. Unpredictable Episodic Payment Problems • Competing expenses (medical) • Loss of income (decreased hours) • Trade-off with electric/gas

  5. Change in Payment Patterns • Good paying to bad paying • Substantial increase in number of late payments • Substantial increase in level of arrears • Substantial increase in “depth” of treatment allowed • “Cascading” arrears

  6. No Effort Customer • Game player • No payment but public assistance

  7. Payment Segmentation Summary • Chronic payment problems • Predictable payment problems • Unpredictable payment problems • Change in payment patterns • No-effort customer

  8. For more information: roger@fsconline.com

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