• Victoria Lubnik
    Victoria Lubnik Dec 7, 2018

    How to drive your bank’s growth with the right product portfolio

    Success is a three-part process: Define your strategy, learn your customers’ needs and size up the competition’s offerings.

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  • From Commoditized to Customized Deposits

    Neil Stanley_resized
    Neil Stanley Feb 1, 2013

    As baby boomers retire, they are likely to avoid the traditional time deposit in favor of customized solutions that address their needs more directly.

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  • Time is Money in Deposit Pricing

    Dan Geller Jan 14, 2013

    Timely information about competitor deposit pricing behavior can save a bank substantial interest expense.

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  • The Limited Impact of Unlimited Deposit Insurance

    Dan Geller Nov 9, 2012

    The soon-to-expire unlimited deposit insurance coverage for noninterest-bearing transaction accounts had a marginal impact on balances over $250,000.

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  • Segment-based Deposit Pricing

    • Sherief Meleis
    • Rich Solomon
    Aug 24, 2012

    In a world of excess deposits, banks must price for quality over quantity, with effective customer segmentation analytics the key to achieving that.

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  • Helping Consumers Build Credit

    Kate Marshall Dole Jun 20, 2012

    Rather than simply turning away consumers with poor or no credit histories, financial institutions should take the lead in helping those people improve their credit for profitable, long-term relationships.

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  • Crowdsourcing the Credit Card

    Phil English Jun 19, 2012

    With its new ‘crowdsourced’ credit card, Barclays Bank is hoping to use social media to create a kind of ‘virtual’ credit union, says bank executive Paul Wilmore.

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  • New Directions in Unsecured Consumer Credit

    • Rick Spitler
    • Jim Bramlett
    Jun 15, 2012

    To restart growth in consumer credit, retail banks need to look at nontraditional products such as the unsecured line of credit and the dynamic liquidity line; the key is to organize offers around essential customer needs.

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