Leading companies today are trying to gain this insight by analyzing transaction data in varying ways, looking for "trigger events" that might indicate a change in customer behaviour that they can respond to in a relevant fashion.

Unfortunately there is a problem with this approach... in some industries like Banking, Telecommunications and Retail, transactions alone cannot identify what a customer is doing because transaction analysis can't tell the difference between business switched from product to product, versus new business or attrition. It all looks the same in transaction analysis.

We have developed a unique method and system that solves this problem. It provides accurate measurement of business flows, identifying changes in customer-level behaviour at the account level which fully explains changes in your portfolios. This IP is now being commercialized as a software product by FlowTracker Analytics Inc. and as a service by Objective Business Services Inc. A detailed discussion of this solution is presented at the FlowTracker Analytics website.