1. Using Predictive Analytics to mitigate the impact of Welfare Reform Chris Colbert | Mobysoft

2. Founded in 2003 About Mobysoft 70+ Landlords Processing over 1 million tenant records

4. Welfare Reform Rent ReductionUniversal Credit Benefit Cap Right to Buy

5. New Operating Environment 1% Annual Rent Reduction By 2045/46 £176.3m cumulative shortfall By 2019/20 Annual Shortfall £5.11m * http://www.socialhousing.co.uk/has-ordered-to-cut-social-housing-rents-by-1-per-year-for-four-years/7010692.article & OBRhttp://www.socialhousing.co.uk/has-ordered-to-cut-social-housing-rents-by-1-per-year-for-four-years/7010692.article

6. New Operating Environment Typically 60% of rental income from HB

7. Digital Age & Big Data More Technology = More Data Need to understand & interpret data Insurers 85% accuracy on customers that will leave Look outwards & not just inwards

8. Predictive Analytics Satellite Navigation Influencing Habits - Retail Sector Protection - Identifying Potential Fraud Saving Time – Online Banking

9. Meet Jane….. 24 Years Old Single Mother of Two Payment History – Head in the sand Contact History – Only Visits Effective 5% of Tenants 20x More Likely to Fail their Tenancy 4 Payment Agreements Set Up Over Last 18 Months – Typically Defaults Before 3 rd Expected Payment

10. The Future Satellite Navigation Housing Management SystemPredictive Analytics & Behavioural Analysis Driven by escalation processDriven by historical behaviour Recommendation based on escalation process Recommendation based on historical most successful form of contact Prioritised by housing system/income processes Prioritised based on level of importance Would only recommend when tenant is in arrears Highlight risk at specific times (eg. If they historically go into arrears at Christmas) Likely first phone call – Week 2-3Likely first phone call – Day 1

11. Thank You Chris.Colbert@Mobysoft.com Chris Colbert