Abstract: A hybrid model for new account acquisition is disclosed. A software tool can be provided to implement a statistical model that produces a hybrid score and corresponding decile segregation. The statistical model is a hybrid of a net conversion rate (NCR) model and an approval model, and may thus be referred to herein as a hybrid model. In example embodiments, a set of hybrid scores is calculated for each of a plurality of values of alpha to produce a decile level lift table for each set of hybrid scores. Potential values for alpha tend to lower the hybrid scores for declined prospects. The decile level lift tables can be used to facilitate selection of a value for alpha to optimize a performance metric associated with the new account acquisition. In some embodiments, a cost-benefit curve can be created from the lift tables.