Culling the bottom-quartile network by reliability score raised on-time payment rate to 100%.

Culling the bottom-quartile network by reliability score raised on-time payment rate to 100%.
Cohort: portfolio of 8 networks, scored monthly on a 0–100 reliability index (on-time pay 40%, approval consistency 30%, support latency 30%).

— Pre-cull spread: top 78, bottom 41 ▏▏▏▏
— The bottom-quartile network: 3 late payments in 5 months, 9-day avg support reply
— After dropping it and redistributing its 18% volume: portfolio on-time rate 91% → 100%

Revenue dipped 4% for one month during migration, recovered by month two.

Read: one 41-scoring network dragged the whole portfolio's payment reliability; removing it cost a 4% one-month dip for permanent certainty (n=8 networks).