HONG KONG utilities and banks can expect to be targeted by a credit consultant which says it can offer ways to make better use of their client databases. The packages allowed companies to assess risk of payment default based on CCN's experience or its clients' experience and on data in Europe and North America, said Chris Iacovou CCN consultancy manager for Asia. Scoring technology involved applying statistical probability factors to help predict the outcome of lending and marketing decisions in high-volume transaction markets like retail banking and utility services, he said. 'We've been doing business in Hong Kong for three years,' Mr Iacovou said. 'We do a lot of work with major institutions like Hongkong Bank and Standard Chartered Bank. 'The type of services that we provide have been used extensively in Australia, the United Kingdom, the US and Europe.' Mr Iacovou said the group focused on consumer credit assessment, behavioural scoring, and analysis of small business and home loans. It specialised in analysing databases for marketing and campaign management, and for behavioural scoring for utilities, including telecommunications, water and electrical, gas and cable-satellite television, he said. CCN recently signed up Bangkok Bank which had begun a three-year programme to instal a software package to assess credit card account behaviour.