1. Payment Pattern Segmentation
Duquesne Light Company
Roger D. Colton
April 27, 2000

2. Chronic Payment Problems
Late (but full) payment
Nonpayment
Intermittent payment
Incomplete payment
Pay “something” but not full
9/19/2018

3. Predictable Episodic Payment Problems
Seasonal nonpayment (bill-related)
Seasonal nonpayment (income-related)
“Special” event nonpayment (Christmas, school)
Wait for LIHEAP
End of moratorium
9/19/2018

4. Unpredictable Episodic Payment Problems
Competing expenses (medical)
Loss of income (decreased hours)
Trade-off with electric/gas
9/19/2018

5. Change in Payment Patterns
Good paying to bad paying
Substantial increase in number of late payments
Substantial increase in level of arrears
Substantial increase in “depth” of treatment allowed
“Cascading” arrears
9/19/2018

6. No Effort Customer Game player No payment but public assistance
9/19/2018

7. Payment Segmentation Summary
Chronic payment problems
Predictable payment problems
Unpredictable payment problems
Change in payment patterns
No-effort customer
9/19/2018

8. For more information:
9/19/2018