Most collections models answer the wrong question - who is likely to pay? The real collections objective is, given limited resources, where should I focus my efforts to get the highest return on my investment? To answer this question, lenders need two models:The response (incremental $ collected) to various collections treatments.The economics of collections treatments, i.e., incremental $ collected per $ expended.Modelytics will help you optimize your collections function by developing and installing decision models that maximize the incremental $ collected per $ spent.