Business accounts & payment platforms

Understand the customer.
Across every product.

Cooper brings account, FX and payment activity into one view
of the relationship, so meaningful changes are easier to see.

Explore the relationship

APPLICATION CONCEPT · SYNTHETIC DATA

Business accounts dashboard comparing incoming funds, FX, supplier payments and card spend. — Cooper · Business accountsILLUSTRATIVE DATA

Requiring review

13RELATIONSHIPS · TODAY

Explained by context

24WIDER CONDITIONS

Steady

263WITHIN THEIR USUAL RANGE

Products in view

4ONE CUSTOMER RELATIONSHIP

COOPER’S LIVE READ

NEW READ

13 customers need
a closer look.

Start with Atlas Supply. Incoming funds remain near usual;
FX and supplier payments are stepping down together.

2products changing
together at Atlas

Cooper’s forecast

ATLAS SUPPLY

Next supplier payment expected

5–8 days

A$130k–155kusual cycle · A$200k

FROM THIS CUSTOMER’S RHYTHM

One relationship. Four product rhythms.

Atlas Supply

Each product compared with its own usual cycle. Values are not additive.

Incoming funds

A$480k −4%

usually A$500k / cycle

Within usual

FX conversions

A$126k −30%

usually A$180k / cycle

Sending less

Supplier payments

A$140k −30%

usually A$200k / cycle

Sending less

Card spend

A$38k −5%

usually A$40k / cycle

Within usual

The whole relationship

Same customer.
Different rhythms.

Account activity, FX conversions, card spend and supplier payments each tell part of the story.

Cooper connects those signals while comparing each product with the customer’s own usual behaviour. A change across products can reveal more than any one total.

Connected context, without adding unlike product values together.

ONE RELATIONSHIP · DISTINCT PRODUCT RHYTHMS

Each product against its own usual.

Current activityGap to usual

Incoming funds

A$480k / usual A$500k

FX conversions

A$126k / usual A$180k

Supplier payments

A$140k / usual A$200k

Card spend

A$38k / usual A$40k

Compare each product with its own history. Values are not additive.

ATLAS SUPPLY · ILLUSTRATIVE FORECAST

Supplier payments

Expected next payment

A$130–155k

5–8 daysExpected timing

Observed cyclesLatestForecast range

The next event can confirm, deepen or reverse the read.

Expected activity

Know what to
watch next.

A quieter period means more when you know when a customer would normally act.

Cooper learns expected timing and value, giving the relationship team a window to review and a next observation that can strengthen or change the read.

Timing and value, learned for this customer.

Ask Cooper

A reason to look.
A place to ask.

Ask what changed, whether the wider market explains it and what to discuss with the customer.

Cooper keeps the observed activity separate from possible explanations. The relationship team decides what to do next.

Choose a question to try the conversation.

Cooper

Your read of the relationship

WATCHING

ATLAS SUPPLY4 products connected

Cooper

I’d take a closer look at Atlas Supply.

The change is across FX and supplier payments.
Incoming funds remain near their usual level.

What changed?

Cooper

Incoming funds are only 4% below usual and card spend is within its normal range. FX and supplier payments are both 30% lower. I’d review the relationship as a whole, then ask whether their payment arrangements have changed.

Scripted concept · Cooper recommends. Your team acts.

Start with the history you already have.

A private data study can explore how Cooper reads behaviour
across your customer relationships and products.

Discuss a private data study

RELATIONSHIP	WHAT CHANGED	CONTEXT	NEXT STEP
Atlas Supply	FX + payments ↓	Receipts remain near usual	Review relationship →
Northline Studio	Payment later	Outside its usual window	Check timing →
Cedar Commerce	FX use changed	Same funding pattern	Review product mix →

Understand the customer.
Across every product.

13 customers need
a closer look.

Cooper’s forecast

One relationship. Four product rhythms.