Value Stream:
Grow
Track merchant activity, revenue performance, and risk trends to uncover growth opportunities, enhance competitiveness, and drive smarter business decisions.
Overview
Growth starts with clarity. Centric helps payment providers gain a clear view of market dynamics with merchant lifecycle data, usage frequency metrics, revenue share insights, competitor pricing trends, and risk-tier performance, empowering smarter strategy, pricing, and portfoli
Key Statistics
Up to 70% of churn occurs within the first 90 days of merchant activation — Bain & McKinsey CX Studies
AI-driven churn models can reduce retention costs by 20–40% — Deloitte Banking CX Report
Personalized engagement increases merchant activity and usage by 2–3× — Accenture Payments Insight 2024
Businesses using dynamic pricing analytics see 15% higher portfolio profitability — McKinsey Pricing Benchmark 2023
Fragmented Performance Data
Merchant growth, risk, and transaction metrics live in disconnected dashboards.
Static Engagement Models
No predictive intelligence to flag merchants likely to churn or underperform.
Reactive Decisioning
Teams spot attrition or pricing gaps only after revenue impact.
One-Size-Fits-All Pricing
Lack of risk-adjusted or performance-based pricing strategies.
Limited Behavioral Insight
Poor visibility into merchant lifecycle health, usage depth, and product adoption.
Early Merchant Drop-Off
High churn within the first 60–90 days of activation.
Revenue Leakage
Underpriced or inactive segments draining margins.
Competitive Pressure
PSPs and banks offering smarter, data-led pricing models.
Rising Acquisition Costs
Retaining merchants is cheaper — but current systems don’t predict churn early enough.
Regulatory Oversight
Analyze competitor performance and market positioning to uncover opportunities and inform future growth strategies.
Churn Risk Prediction
Identify merchants likely to disengage based on behavior, transaction velocity, and support activity.
Next-Best-Action Logic
Recommend retention or upsell actions driven by usage, revenue trends, and lifecycle stage.
Performance-Based Pricing
Dynamically adjust pricing plans based on merchant performance, volume, and risk tier.
Revenue Intelligence Dashboard
Monitor merchant profitability, volume growth, and product adoption in real time.
Closed-Loop Learning
Every churn, upsell, and retention outcome refines predictive models, improving accuracy and portfolio returns.
