• True "new money" bank sales analysis

    How important is deposit and loan acquisition ? Purchases of branch networks (not in distress situations) reveal that banks may pay between 5 and 8 percent of balances to acquire retail deposit account relationships. On 10 billion of deposits this translates to 500 to 800 million dollars of acquisition cost. Loan acquisition costs of 1.5% percent are not uncommon. This translates

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  • Attrition-churn-retention analysis - to the instrument level

    How important is deposit and loan attrition ? According to First Manhattan Consulting Group: "Deposit balance erosion results in $20 million to $25 million in pretax income leakage per $10 billion in deposits annually, with as much as 25% of customers’ balances permanently removed from existing accounts. Consistently, the highest-value (top 10%) households account for over 70% of the deposit balance

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  • Precise analysis of cross-sales activity and results

    Deposit and loan product substitution and cannibalization Our research using FlowTracker on US retail bank data has indicated that there are substantial differences in product substitution and corresponding cannibalization activities between deposit and loan products. We had best start with some definitions. What we call deposits in this context are all (customer viewpoint) assets found in a retail financial institution

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  • Trusted metrics that fully reconcile to your Bank's Financials

    Measure what you manage ! Money in motion is THE driver of bank growth. For decades banks have been struggling to overcome the challenges of legacy systems that impede simple, meaningful and critical information about business performance. At the root of all bank growth are three drivers - Sales, Cross-sales and Attrition. It has long been known that these are the keys

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  • Portfolio analytics delivered on your device of choice

    FlowTracker derives flow of funds information from account balances, exposing opportunities for cost savings and revenue growth. It addresses several essential business problems that occur in any business where product substitution is significant, and no other industry has more product substitution than Financial Services. The challenge is separating "the wheat from the chaff" when looking at customer behaviour. There is

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  • Intuitive Business Intelligence for bankers designed by bankers

    Multi-Dimensional Customer Behavior Analysis FlowTracker data can be joined with all of the other rich information you have about customers, products, the market and your bank. This chart illustrates some of the typical reporting dimensions where FlowTracker data illuminates new insights into behavior and performance. For example it is possible to summarize and report FlowTracker information about sales, attrition and

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  • Modern technology architecture for simple and fast integration

    Services Oriented Architecture components enable "Bolt-On" extension of your capabilities without disruption FlowTracker was designed from the very beginning to resolve a specific information challenge faced by banks, with an absolute minimum of effort. This design principle drove our decisions from the initial logical design through to the selection of programming languages. We have made every effort to ensure that

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