Earnix for Business Banking

Predictive Analytics Drive Better Business Lending

Predictive Analytics is enabling banks, both large and small, to build personalized relationships with their business customers.

If you are still pricing each product independently and not taking a holistic view of your small and medium (SME) business customer relationships, then you may be endangering those customer relationships. Earnix can embed Predictive Analytics within your bank which facilitates better pricing and marketing decisions by helping banks understand and respond to customer behavior. Fees, margin, and volume trade-offs can be modeled and optimized to strengthen the business banking relationships and deliver portfolio growth at the desired risk level.

The Earnix Solution for Business Banking

As new fintech players emerge, banks should improve the sophistication of their offers by using advanced analytics. This is just as important with SME business customers as consumers.
Modeling business customer behavior and incorporating it into the pricing process typically results in higher retention rates, increased margins and bottom line growth.

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Solution Highlights

See the Value of the Whole Relationship

Confidence in decision-making is something banks crave as they determine which rates, terms, pre-approvals and exceptions to offer their SME business customers. Earnix gives them the ability to engage with confidence by predicting how a business customer or segment will respond to a change in an interest-rate, mortgage or credit product.

Integrated with Your Digital Business Processes

Banks can create a real-time and responsive pricing process that supports quick decisions, integrates with existing business processes, and can deliver decisions to market rapidly. Decision-makers can simulate and then make changes to respond to market conditions, competition and other factors.

Advanced Analytics Beat “Gut Feel”

Confidence in decision-making is something banks crave as they determine which rates, terms and exceptions to offer their business customers. Earnix gives them the ability to engage with confidence by predicting how a business customer or segment will respond to a change in an interest-rate, mortgage or credit product.

Serve all Analytical Minds in the Organization

Earnix provides the answers banks need, whether they are executives or data scientists. Executives get insight into the best strategies, trade-offs and pricing paths. Data scientists receive one of the most modern and fit-for-purpose analytical solutions - designed for today and tomorrow's banking market.

Earnix in Action

Governance, Compliance, Control

As new regulatory requirements are introduced, the Earnix Platform provides a clear and detailed trail for tracking analytic decisions. There are no black boxes and questions around risk, compliance and regulations can be answered with confidence. Analysts can easily source and deliver information in a variety of formats.

Easy Deployment

Earnix can be deployed in the cloud or on premise, providing flexible options to meet immediate and future needs. Using the Earnix cloud option, you can instantly make the solution available across your organization and establish a unified analytical platform.

Industry Professionals

Earnix Professional Services supports banking customers at every stage of the implementation and deployment process. Our industry experts are available to instruct users on leveraging all the benefits of the platform. The Earnix support model is designed to provide as much or as little assistance as required.

Our Experts at your Service

Earnix Professional Services support banking customers at every stage of the implementation and deployment process. Our industry experts are available to instruct users on leveraging all the benefits of the platform. The Earnix support model is designed to provide as much or as little assistance as required.

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Improving Results — What Customers Say

"Using Earnix led to an increase of 3.5% in the relative conversation rate and 10% in the relative booked volume.”
– Large Northern European Bank

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Earnix's Annual Analytics and Innovation Summit 2017

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