Automated billing sequences, real-time delinquency intelligence, and a member self-pay portal that recover Local Chamber's $26k in outstanding dues and reduce churn from 15% to under 8% — with zero additional staff time.
Live Billing Data$26k Recovery TargetAutomated 6-Touch SequencesRetention Intelligence
$284k
Dues collected YTD
$26k
Delinquent — 37 accounts
94%
Retention rate
15% → 8%
Churn reduction target
6h → 0h
Staff renewal time
Current State
The Dues Recovery Gap
9.2% of annual dues revenue is delinquent, recovery is ad hoc, and every day past 90 days reduces collection probability by 40%.
Baseline: Local Chamber collects $284k in annual membership dues but $26k (9.2%) is currently delinquent across 37 accounts. Renewal reminders sent manually via email. No systematic recovery sequence, no self-pay portal, no predictive lapse model. Staff spend 6–8 hours/month on renewal follow-up with inconsistent results. Industry data: 60%+ of dues unrecoverable after 90 days without automation.
No automated sequences
Renewal outreach is sent manually and inconsistently. There is no standardized 6-touch sequence to maximize recovery before accounts age past the 90-day window.
No self-pay portal — friction = churn
Members who want to pay must call or email to arrange it. Every additional step increases abandonment. An estimated 20–30% of delinquencies are friction-driven, not intent-driven.
No lapse prediction
There is no early-warning model to identify at-risk members before they lapse. Intervention only happens after a payment is already missed — not before.
$26k aging past the 90-day recovery window
Without automation, 8 accounts are already 30+ days overdue and approaching the point at which recovery becomes statistically unlikely without direct escalation.
Revenue Intelligence
Dues Pipeline Dashboard
Live view of Local Chamber's billing state — from on-time renewals through delinquency recovery and forward forecast.
Local Chamber Revenue Intelligence — NarrioOs Finance
1,847 members · $310k annual target
Live
Dues Pipeline
Delinquent Accounts
Renewal Forecast
Collections
$284,120
Collected YTD
↑ 91.6% of $310k target
$26,480
Delinquent — in recovery
↓ 37 accounts · Sequences started day 1
94%
Retention rate
↑ Up from 89% same period last year
Renewal Pipeline
On-time (sequence active)
1,732 members (93.8%) — auto-sequenced
In recovery (delinquent)
37 members — avg sequence day 12
Churned YTD
78 members (4.2%) — exit survey auto-sent
Delinquency Aging Snapshot
37 accounts · $26,480 outstanding · All in active 6-touch sequence
8 accounts: escalation
Bucket
Accounts
Balance
Status
Share of delinquent
0–15 days
18
$12,888
Sequence day 1–15
16–30 days
11
$7,876
Escalated sequence
31–90 days
8
$5,716
Director outreach
60%+ of dues are statistically unrecoverable after 90 days without direct outreach. Narrio's automated sequence targets the critical 0–30-day window where recovery rates exceed 80%.
Automated 6-Touch Renewal Sequence
Triggers at day −60 for renewals, day 1 for delinquencies · Self-pay link in every touchpoint
1
Day −60
Advance notice + value recap
2
Day −30
Invoice + self-pay portal link
3
Day −7
Final reminder + benefits highlight
4
Day +1
Overdue notice + payment plan option
5
Day +14
Escalated outreach + member benefits at risk
6
Day +30
Director-level call + final resolution offer
Touch 4 is the current stage for most delinquent accounts (avg day 12). Touches 1–3 are complete for the 37 active delinquencies. Touches 5–6 pending for the 8 accounts approaching 30 days.
Narrio Solution
Four Modules, One Recovery Engine
Narrio turns Local Chamber's dues process from manual to automatic — from invoice to payment, with zero staff involvement for the standard recovery path.
Module 01
Renewal Sequences
Six-touch automated cadence triggered 60 days before renewal date. Each message includes a one-click self-pay link with the member's invoice pre-populated. Sequence escalates automatically if no payment is detected.
Module 02
Self-Pay Portal
Branded member portal where dues can be paid in under 90 seconds. Accepts card, ACH, and payment plans. No login friction — members reach their invoice via a tokenized link direct from any renewal email.
Module 03
Lapse Prediction Scoring
Behavioral model that scores each member's churn risk 90 days before renewal based on engagement signals — event attendance, portal logins, email opens, advocacy activity. High-risk members get an early intervention sequence.
Module 04
Delinquency Recovery Engine
All 37 currently delinquent accounts are in an active recovery sequence. Payments detected automatically — sequence stops the moment a member pays. Staff are only notified at touch 6 for accounts that have not responded after 30 days.
Implementation
Three-Phase Rollout
From configuration to full predictive recovery in under six months — with revenue impact visible in the first 30 days.
Phase 1
Week 0 – 1
Setup
Connect Local Chamber AMS billing records
Configure 6-touch sequence templates
Launch self-pay portal with Local Chamber branding
Enroll all 37 delinquent accounts in recovery sequence immediately
Target
All sequences live, self-pay portal live, 37 delinquencies in active recovery
Phase 2
Weeks 1 – 4
Recovery
Monitor sequence delivery and open rates
Track self-pay portal conversion (target: 1.3 min to pay)
Escalate 8 accounts at 30+ days to director outreach
Offer payment plans to accounts that have not converted by touch 5
Target
$26k → −60% delinquency: recover $15,600+ within 30 days
Phase 3
Months 1 – 6
Prediction
Deploy lapse prediction model against full member base
Activate early-intervention sequences for high-risk members
A/B test messaging to improve renewal conversion by tier
Build churn dashboard with 90-day forward forecast
Target
Annual churn: 15% → 8% — protecting $19k+ in dues revenue per year
Projected Impact
What This Unlocks
Conservative projections based on Local Chamber's member profile and Narrio benchmarks from comparable chamber and association deployments.
$15,600+
Dues recovered within first 30 days
1.3 min
Average time to pay via self-pay portal
6h → 0h
Monthly staff time on renewal follow-up
15%→8%
Annual churn reduction target
Recovery figures based on Narrio benchmark: 59% of delinquent balance recovered within 30 days via 6-touch automated sequence. Churn projections modeled against 1,847-member base at $310k annual dues target. Staging environment — indicative data only.
Recover the $26k. Protect the next $310k.
Narrio's dues recovery engine is configured in under a week. Every day without automation is another day delinquencies age past the recovery window.