Abstract: In one embodiment, a computer accessible medium stores a plurality of instructions which, when executed: receive account data corresponding to a plurality of accounts at a financial institution; and generate a retention score for each account. The retention score comprises a numerical value that indicates a relative likelihood of retention of that account by the financial institution. In some embodiments, the retention score also comprises a component indicator field that indicates one or more components that are affecting the numerical value. In one embodiment, the numerical value of the retention score may be used to affect an overdraft limit for the account. Some embodiments generate a profit score for each account, and divide the plurality of accounts into subsets based on the retention/profit scores. Different subsets may have different marketing strategies. Retention scores calculated before and after a marketing campaign may be used to evaluate the campaign.

Abstract: In one embodiment, a computer accessible medium stores a plurality of instructions which, when executed: (i) statistically analyze account data corresponding to a plurality of accounts at a financial institution to determine which account data items are most strongly correlated to a charge-off event in an account (and/or a fee revenue event, in some embodiments); (ii) generate one or more factors for one or more equations corresponding to the plurality of accounts, the one or more factors weighting the account data items according to relative correlation to the charge-off event; and (ii) evaluate the one or more equations for the plurality of accounts and establish an account feature for each of the plurality of accounts responsive to the evaluation. For example, the account feature may be the overdraft limit.