Earnix 3D Personalization for Auto Finance

Personalize Auto Financing to provide the fuel that drives Increased Customer Satisfaction and Improved Business Results

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Personalizing Auto Finance Packages to Meet Consumer and Dealer Needs While Managing Risk Translates to Portfolio Growth

Recognizing the complexities of auto financing packages, Earnix provides an end-to-end Pricing, Rating, and Product Personalization Software Suite, driven by world-class data science, analytical modeling tools, and integrated machine learning to create the ideal auto finance package for your customer. The Earnix solution helps you navigate risk management, subprime customer segments, and off-lease vehicle inventory. With Earnix, independent and captive lenders can personalize and deliver the right loans at the right price, one transaction at a time.

 

The Earnix Solution for Auto Finance

The  Earnix 3D Personalization Suite™ empowers auto finance professionals to offer the right product, at the right price, at the right time, while optimizing business results, maintaining governance & compliance, and improving the enterprise-wide process of pricing, rating, and product personalization.  Earnix helps you understand your customers’ behavior including their propensity to retain, refinance, or release an auto loan - which enables you to personalize products and prices to win and retain their business – while appropriately managing risk.

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Solution Highlights

Dynamic Pricing, Rating, and Product Personalization

Earnix helps define, price, personalize, and deploy auto finance packages, allowing financial institutions to increase customer satisfaction while improving business results. With Earnix, you can offer the best consumer lending package for your customer and for your business.

Sell Like a Digital Leader

Through the Use of 3D Personalization, financial institutions can deliver a recommended, personalized auto finance offer across three dimensions. This offer creation is enabled by using predictive analytics in auto finance – including world-class data science, analytical modeling, and integrated machine learning. This personalized offer is created while managing trade-offs across origination volumes, market share, loss rates, margins and ROA/ROE.

Enterprise-Wide Impact

How can you leverage auto finance insights for other lines of business? What personalization opportunities do you have across these lines of business – and how do your pricing and product personalization software and strategies impact these opportunities? With Earnix you will know.

Operationalize Insights in a Rapid Fashion

Move systematically from data management to analytical modeling, to simulation and optimization, to online, real-time price deployment – all inside single pricing and product personalization software suite. Know the ideal price and terms to provide to customer segments, which will create loyal brand advocates over time.

Earnix in Action

Dynamic Rating Agility

Banking and Insurance Companies can now predict and simulate the impacts of price-changes and product bundling decisions in real-time, and instantly deliver personalized rates to the market as soon as approved by local regulators.

Easily Personalize
Complex Lending Products

For consumers, auto finance packages can be difficult to understand, and often too many options or choices often lead to confusion and indecision. With Earnix, you can define, personalize, and deploy complex auto finance bundles in a simple manner, giving consumers a limited number of individually tailored choices instead of a large number of standard options.

Proactively Identify Mortgage Needs

Auto Financiers have the data to identify life stage needs. Earnix helps your organization put this data to use through providing the ability to proactively identify and react to life stage and lifestyle needs with contextually personalized auto loan offers.

The Earnix Products

Earnix Price-it

Predict, simulate, decide and instantly deliver rates to market in a systematic, consistent, and governed manner.

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Earnix Personalize-it

Define, personalize, and deploy financial product bundles or variances that perfectly match each customer’s unique needs.

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Earnix Detect-it

Proactively identify patterns that suggest life event occurrence and react by delivering the right financial product at the right price.

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Our Experts at Your Service

Earnix consulting teams are comprised of analytics experts and data scientists with deep domain experience in financial services. Our trusted advisors will work closely with you to define and develop models tailored to your specific needs and instruct you on leveraging all the benefits of the platform.

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Improving Results — What Customers Say

"Using Earnix Increased initial gross margin by 6-8 basis points and allowed us to reconstruct our rating structure which led to a 2X margin improvement, and reduced total pricing analytics cycle time by >80%.”
– Leading US Bank

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New at Earnix

Earnix Price-it Rating Engine Brochure

Read about the Earnix Price-it capabilities as a product pricing engine for insurers around the world.

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Our Latest Blog

Blog: From Analytics-Driven Pricing to 3D Personalization

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Check out where you can meet Earnix in the coming months.

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