Accelerating Revenue with Customer Centric Offers
|
|
- Dwayne Dean
- 6 years ago
- Views:
Transcription
1 Accelerating Revenue with Customer Centric Offers The evolution of customer-centric cross-sell Chandresh Modi, Equifax Vice President, Professional Services Technology and Analytical Services May 2012
2 Table of Contents 3 The evolution of customer-centric cross-sell 3 A new approach to cross-selling 4 Better customer insight 5 Analytics to translate data into intelligent product offers 6 Optimizing business processes 6 Evolving to customer-centric cross-selling 7 The Equifax solution About Equifax Equifax is a global leader in consumer, commercial and workforce information solutions, that provides businesses of all sizes and consumers with insight and information they can trust. Equifax organizes and assimilates data on more than 500 million consumers and 81 million businesses worldwide, and uses advanced analytics and proprietary technology to create and deliver customized insights that enrich both the performance of businesses and the lives of consumers. Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is a member of Standard & Poor s (S&P) 500 Index. Its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. For more information, please visit Equifax Inc. Accelerating Revenue with Customer Centric Offers 2
3 Accelerating revenue with customer centric offers The evolution of customer-centric cross-sell Banks are facing a cross-sell crisis. According to a 2012 survey from research firm Aite Group, just one in 10 consumers increased the number of products or account balances they have with their primary bank, while 6% decreased balances or accounts, and nearly 10% left their bank altogether. In other words, cross-selling efforts are unsuccessful with about 90% of a bank s customer base. Fueling this lack of cross-sell success are factors like historically low levels of consumer trust in banks, and regulatory issues that have resulted in new and higher fees on banking products and services. A new approach to cross-selling Banks now realize they need to transform their approach from a product-centric focus to a more customer-centric view in order to have more success. Making relevant product offers is key to building successful customer relationships and maintaining a competitive edge. A customer-centric cross-sell approach is built on three principles: 1) Better customer insight 2) Analytics to translate data into intelligent product offers 3) Optimizing business processes Equifax Inc. Accelerating Revenue with Customer Centric Offers 3
4 1) Better customer insight Banks need the right data in order to provide relevant offers. Despite the volume of customer-related data that banks collect, the types of data collected is limited. While nearly nine in 10 banks have demographic data about their customers and prospects, and twothirds have credit data, only 30% have customers purchase data available for predictive modeling purposes, and less than one in five use customer interaction data as an input to their cross-selling efforts. Figure 1. Many Data Types Are Underutilized Q. Which of these types of data do you use for marketing models? Demographic 88% Credit 67% Survey 61% Psychographic 54% Behavioral 43% Purchase 30% Co-operative 23% Customer interaction 17% Source: Aite Group report Marketing Analytics Trends In Retail Financial Services Today s data sources for customer insight go far beyond a traditional credit score and demographic data. New data sources such as wealth and income data, and alternative scores for the under-banked and thin-file populations, have increased the insight and complexity of working with external data sources. Transactional information, purchasing behavior and an understanding of how consumers are using their financial assets, also can factor into segmentation for product offers. Equifax Inc. Accelerating Revenue with Customer Centric Offers 4
5 2) Analytics to translate data into intelligent product offers Banks need customer-centric analytics that show purchase propensity and eligibility, combined with consumer risk and profitability. Again, many banks lack these capabilities. Of banks surveyed by Aite Group, nearly half said their analytical models are out of date, and that their process for identifying and implementing new models is broken (see Figure 2). Figure 2. Analytical Capabilities Need Refreshing Completely out-of-date Always too long Untimely, inaccurate Never Mostly out-of-date Usually too long Untimely, accurate Infrequently Mostly up-to-date Timely, accurate Completely up-to-date Our analytical models are. 13% 33% 42% 13% The process for identifying and implementing new models is. Our model development cycle is. Campaign performance reporting is. We are able to conduct quick and accurate campaign sizing scenarios. Undefined Challenging Mostly Very up-to-date effective 46% 17% 25% 13% Timely, inaccurate Acceptable Often Best in industry 29% 33% 29% 8% 25% 25% 17% 33% Always 21% 38% 25% 17% Source: Ibid. Leveraging analytical techniques and behavioral models gives banks an ability to profile consumers in real-time for better offers. For example, purchase propensity models enable banks to arbitrate between different products, to determine the next-best-offer, based on an individual s likelihood of acceptance and product profitability. These models are built by analyzing existing cross-sell interactions, and correlating those interactions with actual purchasing characteristics for consumers. Behavioral analytics help you better digest the wealth of information at your disposal. This enables you to better engage your customers with intelligent offers at the point-ofinteraction. Equifax Inc. Accelerating Revenue with Customer Centric Offers 5
6 3) Optimizing business processes A customer-centric cross-sell approach requires orchestration of data, analytics and software that not only identifies the best offer in real-time, but incorporates a lessonslearned component so ongoing interactions can be refined and improved over time. These interactions need to be managed in a centralized multi-channel, multi-product decisioning environment that enables banks to engage their customers with consistency, and track ongoing learnings. Evolving to customer-centric cross-selling The maturity model below illustrates the evolution of cross-sell from a one size fits all product offer strategy through to a customer-centric, personalized offer management approach (see Figure 3). Figure 3. Figure The 3 The offer Offer management Management maturity Maturity model Model Offer management capability Level 4 Level 3 Level 2 Level 1 Offer Management Maturity Model (OM 3 ) Personalized offer management optimization past response rates segmentation customer needs current relationship Targeted offer management segmentation driven risk profile wealth profile Qualified offer management risk profile driven All are welcome offer management same offer for all consumers Customer lifetime value Ad fatigue Attrition Competitive advantage Level 2, labeled as Qualified offer management, is traditionally known as prescreenof-one or making offers based on a consumers risk profile. Level 3 factors in more than just risk; it incorporates other consumer dimensions such as wealth and employment to help with targeting offers through segmentation. Within Level 4, banks move towards delivering offers based on more personalized insight such as current banking relationships, offer history, response rates and customer need. As you go up in offer management maturity, you increase competitiveness by maximizing customer lifetime value, minimizing ad-fatigue and reducing attrition. Equifax Inc. Accelerating Revenue with Customer Centric Offers 6
7 The Equifax solution The Equifax offer management solution leverages data, analytics and software to rank order the next-best-action for every customer interaction. Data, analytics and software Equifax come together offer management to deliver the solution right product offer at the right time Action Advisor platform DATA Your own customer data Past offers & responses Credit Capacity Collateral Behavioral data ANALYTICS Customer propensity profiles Purchase propensity models Optimization algorithms Fused scores Ongoing segmentation Offer assignment Behavior classification Event monitoring Offer eligibility Business rules engine Offer decisioning services Optimization engine Learning/reporting Strategy management Algorithm refinement Assessment of propensity & profitability Real-time automation Self learning RANKED NEXT BEST ACTION HELOC Card DDA overdraft No action Auto Money Market Credit line increase Savings Loyalty program Investment account Customer interactions (multi-channel) Equifax Inc. Accelerating Revenue with Customer Centric Offers 7
8 Below is a sample business process that highlights how the system determines product offers in a multi-product environment: The system determines product offers in a multi-product environment DDA Request Duplicate Check Get Data workflow Equifax credit TeleCheck Return DDA Response Return DDA w/ Cross-sell Response Customer Disposition Request Generate DDA Decision Generate DDA Decision Capture offer response Execute Multi-product Pre-screen Policies Pre-approved product(s) do not exist And Add Rank Ordered Products Pre-approved product(s) exists Consumer offer history and disposition Execute DDA Policy Execute Customer Lifetime Value Models Determine rate, term, limit Business rules execute in real-time Interrogate credit file to determine if customer has established credit history If little or no history exists, then access TeleCheck to establish identity Example products prescreened Overdraft protection Home equity HELOC, Fixed loan Auto loan Models designed to make an offer that is in the best interest of both the consumer and the bank Product purchase propensity models Product life-time value models Rank order product offers Data is used for reporting offer effectiveness and to ensure that analytical models remain effective Take the next-best-action and contact Equifax The evolution of cross-sell gets back to the basic 4P s of marketing: product, price, promotion, place. A best practices offer management strategy will offer consumers the right product at the right price, and allow front-line employees, in every channel, to clearly communicate the value proposition around why this is the best offer at this time. The fruits of a customer-centric cross-sell program include higher acceptance rates, greater share of wallet, and happier customers. Whether you are looking to present the best offer in a single product environment, or the next-best-action in a multi-product environment, Equifax can help. Equifax Inc. Accelerating Revenue with Customer Centric Offers 8
9 References For more information on how you can take your cross-sell program to the next level, please contact Chandresh Modi at About the author Chandresh Modi, Equifax Vice President, Professional Services Technology and Analytical Services Chandresh Modi has over 12 years of experience in information systems engineering, mostly in the area of customer strategy management, business process management, software architecture and decision support systems. Mr. Modi has worked with several of the top 20 retail banks on projects to maximize customer lifecycle relationships in a multiproduct, multi-channel environment. His experience spans both financial services and the telecommunications industry. Prior to joining Equifax, Mr. Modi worked at JP Morgan Chase and Lehman Brothers delivering technology solutions for Private Client Services and Equity Derivatives verticals. Mr. Modi received his Bachelor of Science with honors in Information Systems Engineering from the University of Manchester (U.K.). Contact Us Today For more information, please contact: There are references throughout this publication/website to various trademarks or service marks and these, whether registered or not, are the property of their respective owners. Equifax is a registered trademark of Equifax Inc. Inform > Enrich > Empower and Action Adviser Pare trademarks of Equifax Inc. Copyright Equifax Inc., Atlanta, Georgia. All rights reserved. Equifax Inc. Accelerating Revenue with Customer Centric Offers 9
10 EFX-USA /04/12
Identifying High Spend Consumers with Equifax Dimensions
Identifying High Spend Consumers with Equifax Dimensions April 2014 Table of Contents 1 Executive summary 2 Know more about consumers by understanding their past behavior 3 Optimize business performance
More informationThe Unique Credit Characteristics of Healthcare Patients. An Equifax Predictive Sciences Research Paper December 2003
The Unique Credit Characteristics of Healthcare Patients An Equifax Predictive Sciences Research Paper December 2003 Executive Summary As today s healthcare payment trends shift toward an ever increasing
More informationUNDERSTAND & PREDICT CONSUMER BEHAVIOUR WITH TRENDED DATA SOLUTIONS
UNDERSTAND & PREDICT CONSUMER BEHAVIOUR WITH TRENDED DATA SOLUTIONS PREDICT RISK AND REVENUE POTENTIAL WITH PRECISE, TARGETED INSIGHTS The best predictor of future behaviour is often past behaviour. That
More informationAutomotive Services. Tools for dealers, lenders and industry service providers that drive profitable results in today s economy
CONSUMER INFORMATION SOLUTIONS Automotive Services Tools for dealers, lenders and industry service providers that drive profitable results in today s economy Reach the right prospects Automotive solutions
More informationEquifax Canada Reports-National Delinquency Rates Decline to Their Lowest Levels Ahead of the Holidays
December 2, 2015 Equifax Canada Reports-National Delinquency Rates Decline to Their Lowest Levels Ahead of the Holidays Delinquency Rates Continue to Increase in Oil-Producing Provinces TORONTO, ONTARIO--(Marketwired
More informationAttract and retain more high-quality customers while reducing your risks.
HOW TO ASSESS THE CREDIT RISK OF NEW IMMIGRANTS Attract and retain more high-quality customers while reducing your risks. EXECUTIVE SUMMARY With approximately 250, new immigrants arriving in Canada every
More informationMaking Predictive Modeling Work for Small Commercial Insurance Risk Assessment
WHITE PAPER Making Predictive Modeling Work for Small Commercial Insurance Risk Assessment Best practices from LexisNexis Risk Solutions AUGUST 2017 Executive Summary While predictive modeling has proven
More informationWHITE PAPER. Tech Trends in Debt Collection Software that are Personalizing the Debt Collection Process and Helping Enterprises Protect Their Brands
WHITE PAPER Tech Trends in Debt Collection Software that are Personalizing the Debt Collection Process and Helping Enterprises Protect Their Brands DIGITAL TECHNOLOGY AND CHANGE IN DEBT COLLECTION The
More informationHow much can increased predictive power impact profits?
How much can increased predictive power impact profits? Expand market share across the consumer continuum, from full-file to no-file, with LexisNexis RiskView. LexisNexis RiskView Solutions Risk Solutions
More informationGet Smarter. Data Analytics in the Canadian Life Insurance Industry. Introduction. Highlights. Financial Services & Insurance White Paper
Get Smarter Data Analytics in the Canadian Life Industry Highlights Several key findings emerged from the SMA research: The primary focus for sophisticated analytics in L&A has traditionally been in the
More information2017 VANTAGESCORE MARKET STUDY REPORT. AUTHOR Peter Carroll, Partner
2017 VANTAGESCORE MARKET STUDY REPORT AUTHOR Peter Carroll, Partner CONTEXT AND RETENTION Oliver Wyman was retained by Berens & Miller, P.A. to conduct primary research into the use of VantageScore ("VS")
More informationEmpowering the customer journey in retail banking
Empowering the customer journey in retail banking Introducing: Rob Parker Australia and New Zealand Banking Group (ANZ) Stephanie Leroy Experian Name: Stephanie Leroy Role: Director Originations products
More informationThe money in motion opportunity. Capturing the opportunities for increasing assets and enhancing relationships as investors move into retirement
The money in motion opportunity Capturing the opportunities for increasing assets and enhancing relationships as investors move into retirement Look for the other publications in this series: Goals-based
More informationEquifax Canada Reports: Consumer Appetite for Credit Grows as Total Debt Climbs to $1.718 Trillion
March 15, 2017 Equifax Canada Reports: Consumer Appetite for Credit Grows as Total Debt Climbs to $1.718 Trillion TORONTO, ONTARIO--(Marketwired - March 15, 2017) - (NYSE:EFX) - Total consumer debt held
More informationPIONEERING WORKPLACE FINANCIAL WELLNESS
PIONEERING WORKPLACE FINANCIAL WELLNESS It s no secret that workers are shouldering more responsibility and risk for their healthcare and retirement expenses. Coupled with higher costs for buying a home
More information2018 VANTAGESCORE MARKET STUDY REPORT. AUTHORS Peter Carroll, Partner Cosimo Schiavone, Principal
2018 VANTAGESCORE MARKET STUDY REPORT AUTHORS Peter Carroll, Partner Cosimo Schiavone, Principal CONTEXT AND INTRODUCTION Oliver Wyman was retained by Berens & Miller, P.A. to gather and benchmark objective
More informationThe Indigo Group at Morgan Stanley. Indigo Sustainable Portfolios
The Indigo Group at Morgan Stanley Indigo Sustainable Portfolios 3280 Peachtree Road, NE Suite 1900, Atlanta, GA 30305 404-264-4288 / MAIN 800-421-2741 / TOLL-FREE 470-558-3536 / FAX The Indigo Group at
More informationThe role of an actuary in a Policy Administration System implementation
The role of an actuary in a Policy Administration System implementation Abstract Benefits of a New Policy Administration System (PAS) Insurance is a service and knowledgebased business, which means that
More informationInnovation in the insurance and automotive sector
Overview Octo Telematics is the Number 1 global provider of telematics and data analytics solutions for the auto insurance industry. Founded in 2002, it has been a pioneer in the insurance telematics industry.
More informationThe value of a stand-alone rating engine
WHITE PAPER The value of a stand-alone rating engine As more carriers move from legacy policy administration systems (PAS) to newer technologies, critical choices must be made: Do they choose an all-in-one
More informationAUSTRALIAN BUSINESS BANKING SUMMIT 2017
AUSTRALIAN BUSINESS BANKING SUMMIT 2017 = Business Banking An evolution through digital transformation Thursday 17 th August 2017 Hyatt Regency, Sydney This agenda is subject to change www.australianbusinessbankingsummit.com.au
More informationThe agent of the future
The of the future Korea EY survey highlights need for customer-centric innovation and personalized sales support The of the future is emerging as a proactive advisor in a digital world. ii The of the future
More informationWhy Evolution Private Managed Accounts?
Advisor Guide Why Evolution Private Managed Accounts? Be empowered by an innovative solution tailor-made for your clients. Experience holistic wealth management customized to meet your clients needs today
More informationImplementing a New Credit Score in Lender Strategies
SM DECEMBER 2014 Implementing a New Credit Score in Lender Strategies Contents The heart of the matter. 1 Why do default rates and population volumes vary by credit scores? 1 The process 2 Plug & Play
More informationRunning Your Business for Growth
Accenture Insurance Running Your Business for Growth Could Your Operating Model Be Standing in the Way? 1 95 percent of senior executives are not certain their companies have the right operating model
More informationCapabilities that set us apart
Mika Panganiban About Compuscan A leader in the ability to provide Credit Management data and solutions to markets internationally with focus on emerging markets. A recognized provider of innovative Risk
More informationFROM 12 TO 21: OUR WAY FORWARD
FROM 12 TO 21: OUR WAY FORWARD MESSAGE FROM THE BOARD Weldon Cowan, chair of the board of directors The board of directors shares the corporation s excitement about the next phase of the From 12 to 21
More informationCREDIT REPORT USER GUIDE
Page 1 of 17 ABOUT EQUIFAX CREDIT REPORT USER GUIDE Equifax Canada Inc. Box 190 Jean Talon Station Montreal, Quebec H1S 2Z2 Equifax empowers businesses and consumers with information they can trust. A
More informationCREDIT SCORE USER GUIDE
Page 1 of 11 ABOUT EQUIFAX Equifax empowers businesses and consumers with information they can trust. A global leader in information solutions, we leverage one of the largest sources of consumer and commercial
More informationAffordable Care Act Management Platform
WORKFORCE SOLUTIONS More Equifax Workforce Solutions that save time and money > Employment Verifications Offer your employees automated employment and income verifications. > Unemployment Cost Management
More informationInvestor Presentation
Investor Presentation September 2016 2016 Actua Corporation / All Rights Reserved / 1 Forward-Looking Statements The statements contained in this presentation that are not historical facts are forward-looking
More informationPEGA SALES AUTOMATION for INSURANCE
PEGA SALES AUTOMATION for INSURANCE Product Overview Version 7.21 May 2016 Pega Sales Automation for Insurance 7.21 Product Overview i Copyright 2016 Pegasystems Inc., Cambridge, MA All rights reserved.
More informationOpening Remarks. Tim Sloan Chief Executive Officer and President. May 10, Wells Fargo & Company. All rights reserved.
Opening Remarks Tim Sloan Chief Executive Officer and President May 10, 2018 2018 Wells Fargo & Company. All rights reserved. Wells Fargo Vision We want to satisfy our customers financial needs and help
More informationTHE ACORD GLOBAL LIFE INSURANCE VALUE CREATION STUDY SPONSORED BY
THE ACORD GLOBAL LIFE INSURANCE VALUE CREATION STUDY SPONSORED BY June 2018 ABOUT ACORD CORPORATION ACORD, the global standards-setting body for the insurance industry, facilitates fast, accurate data
More informationActionable Intelligence December 2017
Actionable Intelligence December 2017 2014 Verint Systems Inc. All Rights Reserved Worldwide. Disclaimers Forward Looking Statements This presentation contains "forward-looking statements," including statements
More informationThe Analytical Life Insurer
The Analytical Life Insurer Profitable Analytic Strategies for Life and Annuity Carriers WHITE PAPER SAS White Paper Table of Contents Executive Summary....1 Introduction....1 Distribution and Producer
More informationThe Indigo Group at Morgan Stanley. Indigo Sustainable Portfolios
The Indigo Group at Morgan Stanley Indigo Sustainable Portfolios 3280 Peachtree Road, NE Suite 1900, Atlanta, GA 30305 404-264-4288 / MAIN 800-421-2741 / TOLL-FREE 470-558-3536 / FAX The Indigo Group at
More information2014 EY US life insuranceannuity
2014 EY US life insuranceannuity outlook Market summary Evolving external forces and improved internal operating fundamentals confront the US life insurance-annuity market at the onset of 2014. Given the
More informationThe Innovation Opportunity in Commercial Real Estate:
The Innovation Opportunity in Commercial Real Estate: A Shift in PropTech Adoption and Investment 1 ALTUS GROUP CRE INNOVATION REPORT The Innovation Opportunity in Commercial Real Estate: A Shift in PropTech
More informationUniverse expansion. Growth strategies in the evolving consumer market
Growth strategies in the evolving consumer market Executive summary As the economy gains strength, lenders are engaging in an increasingly fierce competition to entice the best candidates to their portfolios
More informationOPERATIONS AND PROCESSING COLLATERAL MANAGEMENT
FIS Apex Collateral 1 OPERATIONS AND PROCESSING COLLATERAL MANAGEMENT FIS Apex Collateral 2 OPERATIONS AND PROCESSING FIS APEX COLLATERAL 1 FIS Apex Collateral Global regulations have fundamentally transformed
More informationDon t Run in CECLs: Rise to the Challenge of Impending Current Expected Credit Loss Requirements O R A C L E W H I T E P A P E R M A Y
Don t Run in CECLs: Rise to the Challenge of Impending Current Expected Credit Loss Requirements O R A C L E W H I T E P A P E R M A Y 2 0 1 7 Table of Contents Introduction 1 A New Standard 2 Will DFAST
More informationOverview of the Key Findings
Overview of the Key Findings Each year Capgemini, in co-ordination with Efma, publishes insights on the Insurance sector through its World Insurance Report Theme - Claims Transformation Theme- Multi- Distribution
More informationTranslating Strategic Objectives into Individual Decisions
Translating Strategic Objectives into Individual Decisions The Emerging Landscape of Decision Optimization Scott Horwitz Fair Isaac Ian Brodie Fair Isaac Session: UND-1 AGENDA Three Key Insurer Challenges
More informationIntroduction to WealthBench:
Introduction to WealthBench: The Premier Wealth Management Platform March, 2009 Copyright 2009 by RiskMetrics Group. All rights reserved. No part of this publication may be reproduced or transmitted in
More informationOracle Banking Enterprise Collections O R A C L E W H I T E P A P E R S E P T E M B E R
Oracle Banking Enterprise Collections O R A C L E W H I T E P A P E R S E P T E M B E R 2 0 1 7 Disclaimer The following is intended to outline our general product direction. It is intended for information
More informationDigital insurance: How to compete in the new digital economy
Digital insurance: How to compete in the new digital economy The traditional insurance company is set up to best serve a type of customer that, in the very near future, may no longer exist. Demographic
More informationINVESTOR PRESENTATION
INVESTOR PRESENTATION Fourth Quarter 2018 Conference call December 5, 2018 at 11:00 am lbcfg.ca1 Caution Regarding Forward-Looking Statements In this document and in other documents filed with Canadian
More informationVIEW POINT. The insurance advisor of the future. How robots are set to reshape the value framework in insurance. Abstract
VIEW POINT The insurance advisor of the future How robots are set to reshape the value framework in insurance Abstract Imagine getting insurance advice from a bunch of mathematical algorithms, aka a robo-advisor!
More informationHarnessing Traditional and Alternative Credit Data: Credit Optics 5.0
Harnessing Traditional and Alternative Credit Data: Credit Optics 5.0 March 1, 2013 Introduction Lenders and service providers are once again focusing on controlled growth and adjusting to a lending environment
More informationBuilding the Healthcare System of the Future O R A C L E W H I T E P A P E R F E B R U A R Y
Building the Healthcare System of the Future O R A C L E W H I T E P A P E R F E B R U A R Y 2 0 1 7 Introduction Healthcare in the United States is changing rapidly. An aging population has increased
More informationOverview. With the property & casualty solution from TCS BaNCS, your insurance firm can gain from:
Property & Casualty In today's competitive environment, insurers seek technology solutions that help them stay tuned to evolving customer needs and afford them with the flexibility to respond to regulatory
More informationBusiness Transformation: Navigating a Path Forward
Business Transformation: Navigating a Path Forward Summary Guide The financial services industry is undergoing sweeping transformation, presenting challenges and opportunities. How can the financial services
More informationData analytics making fitter life insurers
Data analytics making fitter life insurers Nicholas Warren, Stephen Lee, John Yick Finity Consulting Pty Ltd This presentation has been prepared for the 2016 Financial Services Forum. The Institute Council
More informationA credit score that means more. To lenders, borrowers and the nation.
A credit score that means more. To lenders, borrowers and the nation. Driven by a mission VantageScore Solutions is the independently managed company behind the VantageScore model, an advanced credit scoring
More informationCUSTOMERS ARE CHANNEL SURFING. WHAT ARE YOU DOING TO RETAIN YOUR INSURED? by Gordana Radmilovic, Reva Busby
CUSTOMERS ARE CHANNEL SURFING. WHAT ARE YOU DOING TO RETAIN YOUR by Gordana Radmilovic, Reva Busby In a fast-changing and increasingly competitive insurance marketplace, carriers are forced to put the
More informationTake the lead on user experience, speed to market and upselling.
Take the lead on user experience, speed to market and upselling. Enhance user experience in all distribution channels, from traditional face-to-face to direct online distribution. Available disconnected
More informationAn Oracle White Paper November Enhancing Customer, Distributor and Auto Lender Delight
An Oracle White Paper November 2012 Enhancing Customer, Distributor and Auto Lender Delight Disclaimer The following is intended to outline our general product direction. It is intended for information
More informationThomson Reuters FX Answers, Advanced.
Thomson Reuters FX Answers, Advanced. Trusted Solutions for Every Stage of the Trade Thomson Reuters is a leading, independent source of trusted foreign exchange market insight, interbank and dealer-to-client
More informationTRANSUNION ADFUEL Audience Buying Guide
TRANSUNION ADFUEL Audience Buying Guide TU AdfuelSM Make the Right Impressionsm The Financial Services and Insurance Industries trusted source for consumer finance and small business audiences Q2, 2016
More informationWELCOME. TSYS Investor Day. May 24, Total System Services, Inc. Proprietary. All rights reserved worldwide.
WELCOME TSYS Investor Day May 24, 2017 2017 Total System Services, Inc. Proprietary. All rights reserved worldwide. Forward-Looking Statements This presentation and comments made by management contain
More informationInsurance Program Benchmarking Methodology July 2015 Global Headquarters 1430 Broadway, 8th Floor New York, NY
Insurance Program Benchmarking Methodology July 2015 Table of Contents Table of Contents Overview 4 Why Insurance Program Benchmarking? 4 Advisen Patent US8762178 B2 4 What Insurance Program Data is included?
More informationFinancial Indices. An Overview. Michael Walker
Financial Indices An Overview Michael Walker The objective of this white paper is to provide an introduction to financial indices. This includes a discussion on the basics of financial indices, an overview
More informationFour key capabilities for the future of underwriting. Findings from the EY-CPCU Society underwriting survey
Four key capabilities for the future of underwriting Findings from the EY-CPCU Society underwriting survey Executive summary An expanding value proposition for underwriting As the insurance industry continues
More informationBridging the gap between 401(k) sponsors and participants. Turning differing views about retirement planning into shared solutions
Bridging the gap between 401(k) sponsors and participants Turning differing views about retirement planning into shared solutions For 30 years, 401(k) plan sponsors have been working hard to help employees
More informationHow Advanced Pricing Analysis Can Support Underwriting by Claudine Modlin, FCAS, MAAA
How Advanced Pricing Analysis Can Support Underwriting by Claudine Modlin, FCAS, MAAA September 21, 2014 2014 Towers Watson. All rights reserved. 3 What Is Predictive Modeling Predictive modeling uses
More informationWOTC: Fact vs. Fiction
WORKFORCE SOLUTIONS WOTC: Fact vs. Fiction Busting the top six myths that keep companies from big savings WOTC: Fact vs. Fiction 1 The biggest WOTC myth of all: The Work Opportunity Tax Credit (WOTC) won
More informationReducing the cost of compliance: A bold move towards Know Your Customer (KYC) managed services
Reducing the cost of compliance: A bold move towards Know Your Customer (KYC) managed services 2 Contents Introduction...3 Evaluating the drivers behind financial institution KYC expenditure...4 An investigation
More informationTARGET DATE COMPASS SM EVALUATE AND SELECT TARGET DATE FUNDS WITH GREATER KNOWLEDGE AND CONFIDENCE SM
TARGET DATE COMPASS SM EVALUATE AND SELECT TARGET DATE FUNDS WITH GREATER KNOWLEDGE AND CONFIDENCE SM Helping plan sponsors navigate an increasingly complex path SELECTING A TARGET DATE FUND CAN BE ONE
More informationInvested in Our Clients
Invested in Our Clients Annual Meeting of Shareholders April 11, 2017 Cautionary Statement A number of statements in our presentations, the accompanying slides and the responses to your questions are forward-looking
More informationIt s time to work harder AND smarter
_experience the commitment TM It s time to work harder AND smarter By Bob Landry, Director of Strategy for CGI s Banking & Financial Market Sector Originally published by FST (Financial Services and Technology)
More informationTransforming the Insurance Enterprise through Adaptive Systems. An Oracle White Paper December 2009
Transforming the Insurance Enterprise through Adaptive Systems An Oracle White Paper December 2009 Transforming the Insurance Enterprise through Adaptive Systems By Chuck Johnston TRANSFORMATION: BUSINESS
More informationGoldman Sachs U.S. Financial Services Conference 2018
Goldman Sachs U.S. Financial Services Conference 2018 Andy Cecere Chairman, President and Chief Executive Officer Terry Dolan Vice Chairman and Chief Financial Officer December 4, 2018 U.S. BANCORP Forward-looking
More informationWe Provide the Insights. You Invest in the Right Opportunities. Solutions for Private Equity
We Provide the Insights. You Invest in the Right Opportunities. Solutions for Private Equity S&P Global Market Intelligence offers private equity practitioners access to essential information about companies,
More informationUBS Global Financial Services Conference
Todd Maclin, Chief Executive Officer Consumer & Business Banking May 8, 2012 UBS Global Financial Services Conference Consumer & Business Banking is a strong franchise today Strong profitability in a flat
More informationUsing data mining to detect insurance fraud
IBM SPSS Modeler Using data mining to detect insurance fraud Improve accuracy and minimize loss Highlights: combines powerful analytical techniques with existing fraud detection and prevention efforts
More information2015 Letter to Our Shareholders
2015 Letter to Our Shareholders 1 From Our Chairman & CEO Pierre Nanterme DELIVERING IN FISCAL 2015 Accenture s excellent fiscal 2015 financial results reflect the successful execution of our strategy
More informationDFAST Modeling and Solution
Regulatory Environment Summary Fallout from the 2008-2009 financial crisis included the emergence of a new regulatory landscape intended to safeguard the U.S. banking system from a systemic collapse. In
More informationBancAnalysts Association of Boston 31 st Annual Bank Conference: Operating in a Suboptimal Environment
N O R T H E R N T R U S T C O R P O R A T I O N Service Expertise Integrity BancAnalysts Association of Boston 31 st Annual Bank Conference: Operating in a Suboptimal Environment Michael G. O Grady Executive
More informationInvestment Consulting Advice for Your Retirement Plan
401(k) consulting august 2013 Investment Consulting Advice for Your Retirement Plan Summary The BenefiTS of a Proven ProceSS An employer sponsored retirement savings plan gives those who work for your
More informationBUZ. Powered by Artificial Intelligence. BUZZ US SENTIMENT LEADERS ETF INVESTMENT PRIMER: DECEMBER 2017 NYSE ARCA
BUZZ US SENTIMENT LEADERS ETF INVESTMENT PRIMER: DECEMBER 2017 BUZ NYSE ARCA Powered by Artificial Intelligence. www.alpsfunds.com 855.215.1425 Investors have not previously had a way to capitalize on
More informationL E A D I N G T H R O U G H D I S R U P T I O N W E B I N A R :
H E A L T H W E A L T H C A R E E R L E A D I N G T H R O U G H D I S R U P T I O N W E B I N A R : B U I L D I N G A H U M A N - C E N T E R E D T E C H N O L O G Y T A L E N T M O D E L W E L C O M E!
More informationOVERVIEW LORING WARD. A Better Wealth Experience FINANCIAL PROFESSIONAL USE ONLY
OVERVIEW LORING WARD A Better Wealth Experience FINANCIAL PROFESSIONAL USE ONLY A Comprehensive Advisor Solution for Your Practice Today s Advisors and their clients require a comprehensive approach. Build
More informationStrategic Plan Foundation to Transformation
Strategic Plan 2015 2018 Foundation to Transformation INTRODUCTION FROM THE CEO The new strategic plan aims to be an ambitious program of business transformation to enable the corporation to shift from
More informationVendor Disclosure Page
Vendor Disclosure Page 2017 Thomson Reuters. All rights reserved. Republication or redistribution of Thomson Reuters content, including by framing or similar means, is prohibited without the prior written
More informationAbstract. Estimating accurate settlement amounts early in a. claim lifecycle provides important benefits to the
Abstract Estimating accurate settlement amounts early in a claim lifecycle provides important benefits to the claims department of a Property Casualty insurance company. Advanced statistical modeling along
More informationExperience the power of FENICS Professional TM
Experience the power of Professional TM The platform that set the standard in FX options is setting a new one. The entire FX options lifecycle. All on one platform. For the past 23 years, we ve been listening
More informationUnlocking insights. Brave new world Megatrends and long term themes: sustainable investing for the future has come of age
Unlocking insights Brave new world Megatrends and long term themes: sustainable investing for the future has come of age Bruno Bertocci is a managing director and senior portfolio manager at UBS Asset
More informationCOMPANY PROFILE.
COMPANY PROFILE www.zagtrader.com What is ZagTrader? ZagTrader is a superior global Order Management and routing platform featuring rich front ends with tight integration to its powerful back office and
More informationBoost Collections and Recovery Results With Analytics
Boost Collections and Recovery Results With Analytics As delinquencies continue to rise, predictive analytics focus collections and recovery efforts to maximize returns and minimize loss Number 31 February
More informationINNOVATING IN THE NEW
2018 LETTER TO SHAREHOLDERS INNOVATING IN THE NEW NEW APPLIED NOW DELIVERING IN FISCAL 2018 Accenture delivered outstanding financial results in fiscal 2018, reflecting excellent demand for our differentiated
More information1Q 2018 Investor Presentation. May 2018
1Q 2018 Investor Presentation May 2018 Forward-Looking Statements This presentation, including the accompanying oral presentation (collectively, this presentation ), does not constitute an offer to sell
More informationGeneral Shareholders Assembly
BRD General Shareholders Assembly BRD stand alone, according to IFRS Banking and economic environment Macroeconomic Scenario GDP growth picked up to a robust 4.8% in 2016 (up from 3.9% in 2015), mostly
More informationFourth Quarter 2018 Earnings
Fourth Quarter 2018 Earnings John Visentin, CEO Bill Osbourn, CFO January 29, 2019 http://www.xerox.com/investor Forward-Looking Statements This presentation, and other written or oral statements made
More informationReal-time Driver Profiling & Risk Assessment for Usage-based Insurance with StreamAnalytix
Real-time Driver Profiling & Risk Assessment for Usage-based Insurance with StreamAnalytix The auto insurance industry is rising up to meet consumer expectations of personalization and flexibility in all
More informationGlobal Transaction Services Vision, Mission and Bold Ambition
Global Transaction Services Vision, Mission and Bold Ambition Francesco Vanni d Archirafi Client Advisory Board for Investment Managers March 11, 2010 High expectations are the key to everything. Sam Walton
More information4Q 2017 Investor Presentation
4Q 2017 Investor Presentation Forward-Looking Statements This presentation, including the accompanying oral presentation (collectively, this presentation ), does not constitute an offer to sell or the
More informationImplementing behavioral analytics to drive customer value: Insurers cannot afford to wait.
Implementing behavioral analytics to drive customer value: Insurers cannot afford to wait. 2 A case for behavioral analytics and automated response imagine Two customers phone into your call center. One
More informationThe Rise of the Exponential Actuary TM
The Rise of the Exponential Actuary TM Actuaries have the opportunity to spend more time as business strategists and offering voices to the C-suite. Opportunity: The transformation of the actuarial profession
More informationREDUCING P&L VOLATILITY AND PROTECTING CAPITAL AN INTEGRATED APPROACH TO HEDGING VARIABLE AND FIXED INDEX ANNUITIES
WHITE PAPER INSURANCE REDUCING P&L VOLATILITY AND PROTECTING CAPITAL AN INTEGRATED APPROACH TO HEDGING VARIABLE AND FIXED INDEX ANNUITIES ADRIAN HOLT STRATEGY OWNER, FRONT ARENA, INSURANCE, FIS 1 INSURANCE
More information