• Dave Kerstein_resized
    David Kerstein Aug 30, 2019

    Lose limitations, find the money: a roadmap for growth

    How to overcome the growth challenge? Run with these five strategies—and walk the talk.

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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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  • Reality Check on Service Fees

    Dan Geller May 2, 2012

    When deciding whether to impose service fees, banks need to consider consumer preferences as well as the competitive landscape.

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  • Certificates of Deposits Out of Favor

    Dan Geller Mar 21, 2012

    Consumers fled most types of CDs in the wake of the financial crisis and are unlikely to favor them again until the economy returns to a more ‘normal’ state.

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  • The Case for Regional Deposit Pricing

    Dan Geller Feb 13, 2012

    Institutions that are not practicing regional pricing are very likely mispricing their deposits, even in a low-rate environment.

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