Abstract: A method and system of payment portfolio optimization that retrieves a plurality of consumer segments of a consumer portfolio from a diagnostics module where the consumer segments have potentially profitable opportunities. The method and system also develop a propensity model on a computer based on at least one performance metric, determine a likelihood from the propensity model that consumers in each of the plurality of consumer segments will perform favorably. The method and system also selects a set of consumer segments from the plurality of consumer segments based on the determined likelihood and designs a plurality of marketing treatments for the selected set of consumer segments.

Abstract: A method and system of payment portfolio optimization that retrieves information associated with a plurality of consumers in a consumer portfolio, separates by a diagnostics module on a computer the plurality of consumers into consumer segments based on segment definitions, analyzes by a diagnostics module on the computer the consumer segments using the retrieved information based on a plurality of performance metrics, and identifies revenue opportunities associated with the plurality of consumer segments based on the results from the analysis.