Original studies from the platform's payment and engagement data, written for the people who run collections. Read them, argue with them, use them on Monday.
A random pull of payments matched to the hourly weather at every consumer's zip code, compared with what that place, weekday, hour and month normally produces.
The same payments laid out on the calendar: day of the month, day of the week, month of the year, and the days around each holiday.
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