Data Strategy & Applied Economics

Horizon Data Partners

Economic analysis for your business.

Most teams are focused on what already happened. Economic analysis helps you see what's past the horizon: why it's changing, what comes next, and what it means for your business.

What Changes

Decisions your team couldn't make before

A biotech CEO discovers that the $12M they're spending on patient acquisition is concentrated in the wrong geographies — and redeploys it before the next board meeting. A CRO at a $4B insurance rollup learns that their fastest-growing segment is also their highest churn risk — and restructures retention before it shows up in the P&L.

Paul Karner · Horizon Data Partners
March 14, 2026

Your fastest-growing carriers are also your most likely to churn.

Carriers in the top growth decile have a 2.4x higher attrition risk than the network average. High-growth carriers hit the VCC payment threshold faster, triggering friction that pushes them to competing networks. Your highest-value acquisition targets need a different retention strategy than your stable base.

Top-Quintile Attrition
7.4%
Revenue at Risk
$18.6M
Time to Churn
4.2 mo
View full Carrier Segmentation analysis in Power BI →

This wasn't in the project brief.

Nobody asked us to find this. It surfaced because an economist was inside the data — someone trained to look for causal structure, not just correlation. Someone who asks “why is this happening?” instead of “what does the chart say?”

A dashboard would have shown carrier attrition at 3.1%. It took an economist to see that the real number was 5.8%, masked by new servicer onboarding — and that the carriers leaving were the ones worth the most.

That's the difference between a reporting tool and a thinking partner. You get both.

How It Works

What it's like to have an economist on your team

01

Your leadership team gets sharper questions

Within the first two weeks, your executive team will be asking different questions than they were before — because someone is inside the data reframing what's worth measuring. The business questions that actually drive decisions replace the ones that just fill dashboards.

Most clients tell us the discovery phase alone changes how their leadership team talks about the business.

02

You stop flying blind on the decisions that matter

The infrastructure gets built — pipelines, models, dashboards — but the outcome is that your team can finally answer the questions that used to end with “we don't have the data for that.” Pricing decisions, retention strategy, portfolio allocation — backed by evidence, not intuition.

Everything is built in your environment. You own it. It keeps running whether we're there or not.

03

The insights keep coming after the project ends

The most valuable finding often surfaces in month four — after the data has been flowing long enough to reveal patterns nobody was looking for. Our ongoing advisory relationships exist because clients learned that having an economist watching their data is worth more than any single engagement.

One client's first post-engagement insight identified $5M in annual revenue at risk that wasn't visible in any existing report.

Perspectives

What the headline doesn't tell you

When the Fed moves, when a market shifts, when a regulation changes — Paul writes what it actually means for the industries his clients operate in. Not commentary. Analysis.

Mar 19
The Southwest Homeowners Insurance Squeeze Has a Rate Problem Nobody’s Talking About
MacroP&CFed Rates
Mar 12
The Fed Held Rates. Here’s What That Actually Means for Insurance Payment Networks.
MacroPayment Networks
Feb 18
Customer Churn Is Chunky — And That’s the Most Important Thing Your Dashboard Won’t Tell You
AnalyticsChurn
Jan 8
What PE Firms Get Wrong About Portfolio Company Data Strategy
Private EquityData Strategy

Published exclusively for Horizon clients. Log in to read.

Client Portal

Your private workspace

Insights, dashboards, and analysis from your engagement — organized, shareable, and always current. The place your leadership team goes when someone asks “what did we learn?”

Insights
The findings that change how your team thinks
Perspectives
What market shifts mean for your business
Progress
Know where we are, what’s next
Reports
The proof behind the insight

What is your data not telling you?

The most expensive insights are the ones you don't have yet.

Paul Karner

Paul Karner

CEO & Founder · Ph.D. Economics

No pitch deck, games, or strings attached. We care and want to hear about the challenges you're facing. Let's spend a few minutes thinking together.