COOPER’S LIVE READ
More AU→VN senders are
sending less than usual.
1 in 4 now · last check 1 in 6 · usually 1 in 14
Amounts down across 3 consecutive sends.
Cooper expects the next send in 9 days.
FX & money transfer
Know the relationship.
See the change across the book.
Cooper learns each customer’s payment rhythm, checks the wider context
and forecasts what may happen next, from one relationship to a whole network.
EXPLORE BOTH VIEWS · SELECT TO SWITCH · SAMPLE DATA
Dashboard preview · Explore the interactive view on desktop.
Sending less
24,100A$8.6M/mo
OBSERVEDSending later
12,700A$5.1M/mo
OBSERVEDMissed their usual send
21,400A$8.6M/mo
OBSERVEDMissed due to corridor
9,800Corridor event
OBSERVEDMore AU→VN senders are
Cooper’s AI forecast NEXT 14 DAYS
Senders returning to usual
6,300A$2.3M/moSenders moving off pattern
48,200A$19.3M/moActive corridors
AU→VN1 in 4 · usually 1 in 14Sender behaviour
AU→PHContact on holdCorridor event
AU→IDWithin its usual rangeSender behaviour
AU→FJStill learning
AU→NPStill learning
Corridor context Australia-centred · observed
Sender behaviourCorridor eventStill learning
Dashboard preview · Explore the interactive view on desktop.
Stopped sending
26
RELATIONSHIPS · TODAYDrifting
10
6 LATER · 4 SENDING LESSSteady
261
RELATIONSHIPS · TODAYExpected send missing
3
STILL AWAITING PAYMENTCOOPER’S LIVE READ
13 relationships show patterns
seen before clients stopped sending.
These 13 sendA$2.4min monthly payments
Cooper has seen this pattern before.
Cooper’s AI forecast LEARNED
Payments expected · next 14 days
148from each client’s rhythmStill awaiting a send
3relationships todaySEEN BEFORE · SENDING LESS
Most clients who sent less
this way stopped within a cycle.
29of 41Your book · past matching cases
Stopped within a cycleDid not
ON THE BOOK NOW4 sending less
Where it is concentrated
Based on the relationships in your book.
9 of 13
sit at Dealers 2 and 5Five are paying later together. Check for a shared cause.
The individual, in context
A shared change.
Or a personal one.
A change across a corridor can look very different from a change in one customer. Cooper keeps both views connected.
It checks the population, corridor and cohort around each relationship, including market and calendar effects, before deciding what deserves attention.
Shared context helps avoid unnecessary individual contacts.
THE INDIVIDUAL, IN CONTEXT
Whole book
See where behaviour is changing.
Corridor & cohort
Check whether customers are moving together.
Individual
Compare timing and value with their own history.
Evidence
Keep the reason and the outcome in view.
HARBOURLINE · ILLUSTRATIVE TIMING
Expected next send
Last send 19 days ago · usual gap 28 days
9 daysexpected5–13 daysExpected window from today
The next expected send
See the window
before it passes.
Expected payments are learned from each customer’s established history. They are behavioural expectations, rather than invoice due dates.
Cooper considers developing changes and similar historical outcomes, so the team can see what to watch and when a conversation may matter.
The next payment can strengthen or change the forecast.
Ask Cooper
From the book
to the conversation.
Ask what changed across corridors, which senders need attention and what may be explained by a shared event.
Cooper connects individual payment rhythms with corridor events, wider conditions and past outcomes. Your team decides how to respond.
Choose a question to try the conversation.
Cooper
Your read of the network
AU→PH · AU→VNSender network · sample
Two corridors. Different reasons.
A corridor event explains the AU→PH change.
AU→VN senders are moving off their own rhythm.
Scripted concept · Cooper recommends. Your team acts.
Start with one book or one corridor.
Explore the patterns, expected activity and developing change
already present in your payment history.