How a Bank Generated 25% Additional Revenue by Activating Its Customer Portfolio

Context

For more than ten years, a major consumer finance institution has relied on Armatis to manage its outbound commercial calling campaigns focused on revolving credit.
The goal is to activate unused credit reserves, reconnect with inactive or dormant customers, and convert these contacts into additional revenue while maintaining a high‑quality customer experience and full compliance.

Results

Better monetization of the existing portfolio, thanks to the transformation of previously dormant customers into active ones.

A measurable ROI on revolving credit, with a 20% to 25% increase in activated reserves.

Industry

B2C Financial Services

Scope and Channels

  • Sales, loyalty, and customer portfolio management
  • Multichannel

Client Challenges

  • Maximize portfolio yield while ensuring flawless compliance on revolving credit.
  • Unlock more available reserves and generate additional revenue.
  • Re-engage dormant customers without creating negative reactions or brand risk.
  • Protect brand image and reduce margin exposure through compliant and controlled execution aligned with brand and regulatory requirements.

The Challenge

Balancing commercial intensity with strict regulatory requirements in a sector where revolving credit is highly sensitive in terms of perception and reputation.

All of this, while maintaining an outbound strategy that remains effective, personalized, and respectful of customer contact preferences.

Objectives

  •  Significantly increase the utilization rate of revolving credit reserves.
  • Boost revenue contribution from outbound campaigns while controlling costs.
  • Deploy a sustainably optimized setup capable of testing, learning, and industrializing best practices.

Solutions Implemented

Human, Technological, and Regulatory Expertise

A unique blend of human expertise, advanced technology, and regulatory rigor.

Specialized Operational Team

Outbound specialists trained specifically on revolving credit and the regulatory framework.

Advanced Technology & Automation

Robust configuration, campaign automation, smart database pooling, and precise reporting for optimal daily performance management.

Strict Compliance

Full adherence to decrees and legal requirements, with scripts and contact flows aligned with the client’s compliance standards.

Ongoing Optimization

Fine‑tuned management of timing, frequency, and targeting, with continuous adjustments to calling strategies.

Activities Delivered

Outbound Telemarketing Campaigns

Targeted campaigns on dormant customers and warm leads.

Full Technical Management

Tools configuration, automation, database pooling, and shared performance tracking.

Strategic Campaign Steering

Precise parameter settings, call strategy definition (frequency, time slots), and proactive SMS sending.

Real‑Time Monitoring

Continuous performance analysis and dynamic adjustment of call plans.

Tangible Results

A measurable ROI on revolving credit, with an estimated 20–25% increase in activated reserves.

Improved value extraction from the existing portfolio, turning former dormant customers into active users.

A stabilized 10‑year partnership with a continually optimized system capable of integrating new innovations over time.

Key Success Factors

Innovation & Continuous Optimization

Tests, POCs, and ongoing adjustments identify the best practices prior to scaling.

Clear & Measurable ROI

Concrete KPIs that maximize revolving credit utilization and activated reserves, delivering +20–25% incremental gains.

Long‑Term Strategic Partnership

10 years of collaboration to co‑build increasingly efficient campaigns.

Tangible Customer Value

Real financial gains, reduced churn, and a secure experience within a fully controlled framework.

The Armatis Difference

A Structured Test & Learn Approach

Ability to combine innovation (POCs, new calling strategies, proactive SMS) with strict regulatory compliance.

Real‑Time Precision Management

Continuous adjustments to frequencies, schedules, and targeting to maximize performance while avoiding over‑solicitation.

An Engaged Partnership

Co‑construction of campaign scenarios, full transparency on KPIs, and a constant focus on performance and brand protection.

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