Business Analytics is Part of the Full Lending Performance Cycle On several occasions I’ve spoken about the “Full Lending Performance Cycle” (FLPC). This cycle is comprised of several steps aligned with the origination process and aftermath when evaluating a portfolio. One tool for evaluating the portfolio is business analytics. As CECL adoption comes closer to reality, the lending process becomes even more interconnected. For simplicity purposes, the FLPC […]
Understanding your Institution’s Unique Profitability As the leader of your financial institution, do you know which products or branches are profitable, break–even, or struggling? Is marketing looking for direction on what products to emphasize, or who should be targeted? Should pricing be altered or tiered, and at what levels? How does your financial institution use “big data” to make informed decisions? Are you growing in the […]
Millennials – the most digitally-savvy and computer-literate generation of our time – are opting for digital experiences over branch ones. This is not surprising and banks are taking note. While the branch may not go away, it is transforming. Some branches today have more of a Starbucks look and feel, as it appeals more to […]
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