OUR LATEST INSIGHTS

The Plato Insights

Deep dives into AI, machine learning, and the future of lead management. Discover how we're reshaping the lending ecosystem.

Affiliate Marketing

Multi-Armed Bandits for Affiliate Offer Testing

A/B testing is too slow. Learn how multi-armed bandit algorithms balance exploration and exploitation to optimize affiliate offers in real-time.

Affiliate Marketing

Attribution Windows: Finding the Optimal Lookback

Set windows too short and undervalue partners. Too long and overpay. Here's the data-driven approach to optimal attribution lookback periods.

Lead Gen

Attribution Models for Multi-Touch Lead Journeys

Last-click attribution is broken for complex lead journeys. Learn how AI-powered multi-touch attribution assigns credit based on actual influence.

Lead Gen

Real-Time Lead Verification: Reducing Fraud with ML

Lead fraud is a $50B problem. Discover how ML fraud detection learns and evolves alongside sophisticated bot and fraud farm tactics.

Lending

Using AI to Predict Loan Default Risk Before Purchase

Stop overpaying for risky leads. AI pre-bid default prediction lets lenders bid precisely what each lead is worth—no more, no less.

Lending

Personalization at Scale: AI-Powered Loan Offer Matching

Generic loan matching loses deals. Learn how AI matches borrowers to the right product—personal, HELOC, auto—maximizing conversion.

Direct Mail

Lookalike Modeling for High-Value Direct Mail Prospects

Find your next best customers with AI. Lookalike modeling identifies prospects who will behave like your highest-value households.

Direct Mail

Seasonal Timing Optimization in Direct Mail Campaigns

A perfectly targeted mail piece at the wrong time underperforms 4x. AI timing optimization identifies exactly when to mail each segment.

Strategy

The ROI of Real-Time Decisioning in Lead Marketplaces

Speed is a competitive weapon in lead marketplaces. Quantify the revenue impact of sub-100ms scoring and 60-second callbacks.

Strategy

Data Enrichment: When Third-Party Signals Pay for Themselves

Not all data enrichment is worth it. Learn the AI framework for buying third-party signals only when value exceeds cost.

Bidding

The Winner's Curse: Avoiding Overpayment in Lead Auctions

In the high-stakes world of lead auctions, winning can sometimes be a loss. Learn how AI-driven bid shading prevents the 'Winner's Curse'.

Bidding

First-Price vs. Second-Price Auctions: Strategies for the Modern Lead Buyer

The industry is shifting from waterfalls to first-price auctions. Learn how AI-driven bid shading protects your margins in this new programmatic reality.

Strategy

Latency is Revenue: The High-Frequency Trading (HFT) of Lead Gen

Every millisecond counts. Learn how sub-100ms lead scoring separates market leaders from those who lose deals to slower competitors.

Bidding

The End of Fixed Bidding: Why Dynamic Pricing is the Future of Lead Gen

Understand why tier-based pricing is inefficient and how AI-driven dynamic pricing can boost EBITDA by 20-30%.

Lead Gen

Smart Routing: How to Sequence Lead Offers to Maximize Yield per Click

Static waterfalls leave money on the table. Discover how AI-driven sequence optimization maximizes Yield per Click across every session.

Lending

Predicting Intent: Using Behavioral Data to Identify High-Value Borrowers

Go beyond FICO scores. Discover how micro-behavioral signals can predict borrower intent with 85% accuracy.

Lending

AI for Debt Consolidation: Why Lead Scoring is More Than Just Credit Scores

Move beyond binary credit filters. Learn how AI uses micro-signals and alternative data to score debt consolidation leads with 85-92% accuracy.

Bidding

Placing the Winning Bet: Real-time Bid Optimization for Affiliates

Stop over-bidding for low-intent clicks. Use machine learning to calculate the perfect bid for every impression.

Affiliate Marketing

The Offerwall Engine: Using ML to Order Affiliate Offers for Maximum EPC

Static offerwalls waste revenue. Learn how ML-powered dynamic ordering can boost EPC by 5-30% per session.

Direct Mail

Digital Intelligence for Physical Mail: How AI Predicts Response Rates

Slash mail waste and double ROI. Learn how AI Household Response Modeling achieves 135% higher total returns through omnichannel attribution.

Direct Mail

Optimizing the Cadence: Using AI to Determine the Perfect Frequency

Find the 'Golden Cadence'. Use AI to model customer fatigue and optimize mailing frequency for maximum ROI.

Strategy

Build vs. Buy vs. Partner: Why Your In-House AI Team is Struggling to Ship

Only 22% of in-house AI projects deliver value. Discover why partnering accelerates revenue by years, not months.

Strategy

From Heuristics to Algorithms: Moving Beyond 'If-Then' Rules

Intuition gets you started, but algorithms get you to the finish line. Transition your marketing from rigid rules to fluid models.

Lending

How online loan lead brokers can grow

Lead brokers can boost revenue by 30-60% through AI-driven matchmaking. Learn how to grow in the complex online lending ecosystem.

Lead Gen

AI in lead optimization

Lead optimization is the core profit driver for brokers. Learn how AI replaces brittle manual rules with data-driven routing and pricing.

Lending

AI for lending: An overview of possibilities

AI's biggest impact in lending is solving information asymmetries. Explore how it transforms fraud detection, underwriting, and customer personalization.