Member attrition is rarely sudden. Long before a SACCO member formally exits, their behaviour has already shifted — contributions slow, logins taper, engagement fades. The signal is there; most institutions simply aren't listening for it.
A churn model turns that quiet drift into an early warning, ranking members by risk so retention effort lands where it still matters — not after the member has already gone.
The most reliable churn signals appear 60–90 days before exit. That window is the whole opportunity — early enough to act, late enough to be confident.
You can't retain a member you noticed leaving on the day they left.
Espero Research
The Espero AI team builds and deploys production-grade credit, fraud, and customer-intelligence systems for financial institutions across East Africa — with explainability and governance built in from the first line.