Case Study: Prominent U.S. Regional Bank achieves $4.5M incremental profit and 80% of broad‑rollout revenue at under 50% cost with Applied Predictive Technologies' Test & Learn®

Prominent U.S. Regional Bank - Customer Case Study

A prominent U.S. regional bank with over 500 branches and a major credit card portfolio was seeing card acquisition plateau despite frequent direct-mail offers. Management couldn’t isolate each campaign’s true impact or answer which offers drove incremental revenue, which offer features worked best, or which customers would respond — particularly for three targeted cards (no-fee miles, annual-fee double miles, and 0% APR).

Using APT’s Test & Learn® to correct sample bias and match controls, the bank demonstrated a significant revenue lift and positive ROI from the test mailings. The analysis showed the no-fee miles card performed best, a supporting mobile message improved results, and middle‑income customers with low deposit growth were most receptive. A predictive model enabled targeted outreach that captured 80% of the revenue upside of a broad rollout at less than half the cost, generating $4.5M in incremental profit.