Profiling

Solvency assessment is a form of automated processing of personal data. Its aim is to show us how likely it is that an individual will cease to meet their obligations towards One Crna Gora.

The outcome of solvency assessment involves an analysis of historical data regarding individuals who are existing customers of One Crna Gora (if the company possesses such data). Personal data is also compared with aggregate statistical data about customers who regularly pay for services or are late with payments.

In cases of lower solvency scores, individuals may be required to prepay one or more monthly subscriptions (when purchasing a device at a discounted price with an appropriate tariff plan) or pay a certain percentage as a down payment (when it comes to purchasing a device in installments).

In order to determine the best offer for the customer, the preparation and selection of suitable offers are conducted through automated analysis of their personal data (e.g., data related to the current contract, aggregate usage, etc.). This process is based on collected statistical information about other current or former customers. The purpose of such analysis is to ascertain which product (or service) would, in our opinion, be the most suitable for the customer and tailored to their user habits.

During the conduct of internal analyses, customers are grouped based on their basic information, contract data, as well as their aggregate usage, in order to establish possible connections between their data and the usage of specific products or services. This approach helps identify reasons for service rejections, tariff plan changes, or the continuation of using specific services. Based on this information, One Crna Gora develops its product portfolio, takes care of customers, assesses the company's performance, and plans its future activities.

In order to prevent, detect, and investigate abuses, One Crna Gora conducts automated analysis of user data. Based on this analysis, certain instances of atypical behavior can be identified, which are then individually examined by our employees to determine the presence or absence of abuse.