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Displaying "Personalization" articles (36)

One Black Chess Piece Separated From Red Pawn Chess Pieces

Personal Lending: The Fundamentals of Digital Loan Personalisation

After a rapid growth in interest rates for personal loans in 2023 despite a lagging increase in deposit rates, UK banks will face mounting margin pressures in 2024. On top of tighter margins, lenders will have to navigate a complex matrix of intensifying regulatory initiatives such as the Consumer Duty Act.

Unsecured Loans: Price and Product Personalization Are the Name of the Game

Lenders wanting to maintain their competitive advantage and capitalize on the healthy demand for unsecured loans need to be looking for ways to stand out in a crowded marketplace. Additionally, there is a need to consider pricing competition amid market volatility, rising interest rates, and increasing cost of funds.

Consumer Loan Personalization: Why Now

Lenders wanting to maintain their competitive advantage need to be looking for ways to stand out in a crowded marketplace. So then, how do you cut through the noise to reach those buyers trying to find the loan that’s just right for them? The answer - loan personalization - and it’s exactly why personalization has been gaining popularity in the past several years across all consumer lending lines including unsecured personal loans, auto, and mortgage.

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Behind the Scenes with Earnix Price-It

The White Paper is intended for banking business and technical leaders who are evaluating ways to vastly improve their pricing strategies and operations. It will assist senior management, pricing groups, analytics teams, and IT in their quest for the best in proven, modern pricing technology.

Seizing Opportunities in Digital Automotive Finance

With shrinking profit margins, auto manufacturers and lenders are embracing complementary products and services as never before. This has forced their thinking to evolve away from closed, legacy technology architectures and standalone software applications to a strategy that accommodates flexible connections with those partners.

The need for Personalization in Insurance

Customers now demand personalized experiences. They’ve grown accustomed to personalization from so many companies they now do business with, across industries – from retail to travel to entertainment to banking and finance – and they’re increasingly expecting them from insurers.

Delivering Personalized Customer Experiences with Earnix

Why should Insurers consider personalization strategies and tactics? Can’t they continue to price and deliver products and services in the same way they always have? The simple answer is that Personalization has the potential to deliver superior results. For example, early personalization programs have already shown they can increase total sales, improve customer engagement and loyalty, create more successful cross-selling efforts, and deliver the most appropriate insurance bundle to customers.

Empowering Relationship Managers in their Digital Journeys

Throughout its history, banking has relied heavily on personal relationships to achieve many of its business goals. Relationship managers (RMs) have served as the “face” of the bank in providing sound business advice, acquiring new customers, and uncovering new sources of revenue within existing accounts. The most powerful combination for banks’ success is to equip Relationship Managers (RMs) with technology that allows them to extend the personal touch customers crave, the power of satisfying customer experiences (CX).