PositivityTech® Offerings

From predictive algorithms to benchmarking and analytics, PositivityTech offerings empower organizations to transform customer feedback into data-driven foresight and competitive advantage.

PositivityTech® AI Predictive Algorithms

Integrating AI-powered predictive algorithms with human expertise, the PositivityTech Platform uses customer narrative data to break down complaint language, derive variables, and rank risk.

PositivityTech’s AI algorithms:

  • Provide early warnings of customer complaints and illuminate pain points.
  • Highlight topics that provide deeper meaning into existing complaints.
  • Improve segmentation and offer strategies to get ahead of risks and impact net income.
  • Prioritize and adopt actions to inhibit future complaints.

Our algorithms isolate high-risk customer interactions and help you prioritize where business actions will matter most.

Severity Score: A proprietary domain-specific algorithm and lexicon that identifies severe complaints and future risk based on customer narratives.

Sentiment Score: An open-sourced algorithm and lexicon that identifies sentiments expressed in customer narratives.

Bias Index: A tool that identifies prejudice within customer complaints and makes it possible to prevent three types of biases that lead to systemic discrimination:

  • Explicit bias
  • Implicit bias
  • Suggested bias

Triggers: Algorithms that reveal leading indicators of environmental risks, and pinpoint timely issues that may require preemptive management actions.

Debt Collection Model: Predicts the likelihood of non-payment of debts owed.

Categorization: Consistent and multifaceted grouping of customer complaints provides insights to identify relevant resolutions across all customer touchpoints, from digital to in-person.

Make complaints a critical part of your success and transform negatives to positives with PositivityTech.

PositivityTech® Benchmark Platform

Predict future risks and reveal unexpected opportunities to stay ahead of your competition.

The PositivityTech Benchmark Platform is a key part of an institution’s risk management framework. Using market comparisons, industry trends, proprietary company segmentation and algorithms, the Benchmark Platform reveals business insights as well as opportunities to act.

Featuring:

  • Industry benchmarking of financial institutions using custom segmentation
  • Detailed industry analysis of customer complaints to the Consumer Financial Protection Bureau (CFPB) using PositivityTech’s proprietary tools
    (Severity Score, Bias Index, Debt Collection Model, Categorization)
  • Frequency Distributions, Observations and Comparisons of issues and companies of particular interest to clients
  • Summary of themes and recommendations
  • Option to add curated intelligence session about the “High-Risk Interactions” facing your institution, your peers, and the industry

AI-powered predictive insights enable a deeper understanding of customer frustrations.

Uncover your “complaint share” and get the information you need to understand where you’re leading and where you might be losing your edge.

Complaint Analytics Database

The PositivityTech Complaint Analytics database uses advanced proprietary AI algorithms to provide deep analytics on historical and ongoing customer complaint data from the CFPB.

This intelligence allows institutional investors, traders, analysts, and portfolio managers to benefit from unique, predictive sentiment analysis on the banking and financial sector, uncovering hidden risks and investment opportunities through early signals embedded in customer feedback.

Key Use Cases

  • Due diligence
  • Alternative data analysis
  • Exposure modeling
  • Indicators of regulatory, reputational, and operational risk
  • Predictive and applicative sentiment analysis

Key Features

  • Historical daily data for backtesting: 14 years of CFPB raw customer complaints with sentiment and proprietary severity scores.
  • Ongoing daily updates: Stay ahead of future opportunities and risks with daily data refreshes.
  • Advanced AI models: Proprietary algorithms for bias, debt collection, attrition, fraud, and more.
  • Benchmarking & metrics: Compare key sentiment and complaint metrics across multiple companies.
  • Customization: Integrate your own proprietary data with our algorithms to tailor solutions.

Why PositivityTech

By combining alternative data with proprietary AI algorithms, PositivityTech helps investment firms:

  • Detect early indicators of regulatory, reputational, performance, and operational risk.
  • Access unique predictive signals not found in traditional financial disclosures.
  • Enhance portfolio management, trading, and research strategies with customer voice intelligence.

Tap into AI-driven insights to reveal weak signals, quantify company resilience, and pinpoint latent risk across industry peers — before they affect balance sheets or public reputation.

PositivityTech® Risk Indicators

Our newest groundbreaking solution, PositivityTech Risk Indicators, tracks and monitors threats to your financial growth and stability.

Balance Sheet Risk Indicator (BSRI)

The BSRI focuses on risks to account volume, which can lower key balance sheet items.

Revenue Risk Indicator (RRI)

The RRI signals issues that may impact fees and interest, likely to drive reduced revenues.

Fraud Risk Indicator (FRI)

The FRI captures trends in customer complaints relating to theft and scams, signaling an increase in fraud losses.

Credit Risk Indicator (CRI)

The CRI identifies payment challenges, a leading trigger of potential increases to credit losses.

Whether assessed individually or used in tandem, these indicators are reliable signals for future financial performance and investments.