Case Study IV - PayPal

The Client

PayPal, an eBay Company, enables any individual or business with an email address to securely, easily and quickly send and receive payments online.

Business Need

PayPal's service builds on the existing financial infrastructure of bank accounts and credit cards and utilizes the world's most advanced proprietary fraud prevention systems to create a safe, global, real-time payment solution. In order to increase usage amongst its customer base, Paypal wants to embark on strategic products and services to enhance their core online payment service.

The Solution

1) Merchant Services
Design and implement a system for computing variable compensation for sales representatives using data from SalesForce.com. This project required the extraction of data from SalesForce.com into a local database. The extracted data was then cleansed and integrated with existing data in the datawarehouse to determine status of sales for each of the sales rep and also to compute the compensation for the sales rep. The system had to account for several complex scenarios including account transfers, upsells and rep terminations.

2) Risk & Fraud Management
The goal of this project is to create a datamart that accurately and definitively captures all of the loss events and thus help compute the total loss on an ongoing basis. This loss actuals data is used to compute forecasted loss and also the necessary reserves for future losses. Further, this data will be mined and analysed to determine the drivers that lead to such losses. The goal is that by better understanding of such loss drivers, it will be possible to better forecast losses and also to help minimize the net loss.

3) Campaign Management
The marketing group wanted to conduct targeted marketing campaigns which would allow them to selectively address users, based upon their usage habits, type of account etc. The data was extracted in multiple batches to comply with update cycles from the transaction system and privacy laws. The data was then obfuscated to remove all of the user’s identifying characteristics. The data was then securely transmitted to Yesmail using powerful encryption. An equally secure feedback loop was set up to receive feedback from the campaign back into Paypal’s data warehouse. The solution involved manipulating a large volume of data (59 million users, each with multiple transactions), encryption and error correction

Business Benefits

Working with a reliable partner like Caarma, it was required to complete comprehensive preliminary activities that would promote Marketing Operations Operational Excellence by establishing business process continuity, enhanced governing compliance, and metrics driven for the upcoming year.  The automated solution will provide the organization the ability to improve product visibility, reduce service product time-to-market, increase PM and Marketing Operations productivity, and improve policy compliance, reporting capability and overall communication. 

Caarma Value

• Experience of working with all levels of management within client, influencing them in automating and changing their business processes as needed in support of new programs being brought to market.
• Partnering with implementation teams to drive broad-based/cross functional changes to automate current ordering, contract management and entitlement systems with a focus on optimizing efficiency and increasing customer satisfaction.
• Training client employees, customers and Partners on changes to existing systems and business processes.