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Competing in telecommunications markets is becoming extremely complicated. Responding to disruptive change from many directions, telecom companies are experimenting with new business models and offering new types of services. With this comes the potential to draw new waves of regulatory oversight, further complicating the picture. To succeed, you must sharpen decisions — in originations, loss forecasting and collections — to accurately reflect the individual profit potential and credit risk of your customers. Do it in a manner that's systematic, efficient, demonstrably fair and defensible, and you'll create a virtuous circle of better decisions propelling profitability by increasing value for customers and from customers.