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eBureaus Buy-Now Pay-Later eScore Enables Direct Marketers to Maximize Profits from Expanded Payment Options

New Predictive Scoring Service Increases Marketing Response Rates, Reduces Payment Risk

ST. CLOUD, Minn., eBureau, an innovative provider of custom predictive scoring and information solutions, today announced a powerful new predictive scoring service, under its eScore brand, that allows leading consumer-focused direct marketing companies to more profitably offer deferred payment options to consumers as part of their online marketing and e-commerce programs.

eBureaus Buy-Now Pay-Later eScore delivers statistical scores that accurately measure the payment probability associated with individual online consumer sales transactions. This allows direct marketers to confidently make deferred payment and pre-qualified marketing offers up front techniques proven to increase consumer response rates and boost average order value while minimizing the risk of non-payment and subsequent bad debts. eBureau will demonstrate results of its eScore offerings to direct marketers during DM Days New York Conference & Expo, June 19-21, 2007, booth #1000, at the Jacob K. Javits Convention Center in New York, N.Y.

Marketing and advertising budgets continue to shift from offline to online media, and many direct marketers now secure a majority of their new sales leads from the Internet. Pay-later enticements can be key marketing techniques for boosting response rates from online marketing efforts.

Although 2006 online retail sales surpassed $136 billion in the U.S., a significant percentage of Internet users are unwilling to provide credit card information for Internet purchases. Therefore, offering several easy payment options is becoming an important ingredient for further growth among multichannel marketers. For buy-now, pay-later direct marketers, Internet-based sales orders create additional risks beyond traditional credit card not present mail order and telephone order (MOTO) transactions.

eBureaus Buy-Now Pay-Later eScore is an ideal solution for companies with in-house credit programs, or those offering deferred payment terms. It is also suitable for merchants currently relying on traditional credit and debit card transactions, but seeking to broaden customer payment options.

eBureaus Buy-Now Pay-Later eScore tackles three very important issues faced by direct marketers: is this person real or a fraudster?; what is the likelihood this person will pay for the order?; and what is the likelihood this person will return the order? said Jeff Liebl, vice president of marketing and business development for eBureau. In this way, our clients both increase their sales while reducing losses thereby maximizing overall profitability.

eBureau is applying a new, reinvented approach to predictive scoring across multiple markets, including direct marketing, e-commerce retailing, credit and collections, and online advertising. Today, more businesses can realize the benefits of predictive scoring in real-time marketing and e-commerce processes. eBureau is making predictive analytical scoring a widespread, mainstream tool for helping companies make smarter decisions throughout their customers lifecycles to improve profitability and gain important competitive advantages.

About eBureau

eBureau provides a suite of precision marketing, risk management, and fraud prevention information solutions to multichannel marketers, financial services companies, online retailers, and agencies today. Founded in 2004, eBureau has designed and built its patent-pending xTech(SM) platform, a proprietary, state-of-the-art data warehouse and real-time analytical scoring system. The company is headquartered in St. Cloud, MN and has received $16 million in funding from its founders and Split Rock Partners. For more information, please visit



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