Online Program

Testing at Capital One - Part 1
*Rose Brunner, Capital One Services 


The Capital One Auto Finance (COAF) Price Plus test aimed to reveal how three critical profitability factors drive dealer behavior in auto finance, for the purpose of expanding thin margins in this competitive arena. The test has several interesting features including a split plot design, unbalanced sampling due to cost constraints, power limitations and computations, concurrent testing, and early shut-down of some high-cost treatment combinations. In this session, we will outline the critical business dynamics and provide overview of how the technical issues were addressed. Following the in-depth treatment of this particular test, we will generalize the approach to other applications at Capital One.