Earnix 3D Personalization for Consumer Lending

Personalize Loan Packages for Increased Product Uptake and Improved Customer Delight

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Personalizing Across All Lending Lines Translates to Portfoilo Growth

Recognizing the complexities of lending products like loans and credit cards, Earnix provides an end-to-end Pricing, Rating, and Lending Product Personalization Software Suite, driven by world-class data science, analytical modeling tools, and integrated machine learning to create the ideal lending package for your customer.

 

The Earnix solution for Consumer Lending

The  Earnix 3D Personalization Suite™ empowers lending 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 in lending.  Earnix helps you understand your customers’ behavior including utilization, prepayment, credit payment propensity, attrition, and loan loss metrics - which enables you to personalize products and prices, improve customer experiences, and ultimately win and retain more business.

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Solution Highlights

Dynamic Pricing, Rating, and Product Personalization

Earnix helps define, price, personalize, and deploy lending solution offerings, 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 the Digital Leaders of Today

With Earnix, banks can create real-time and responsive pricing and personalization programs that support quick business decisions, integrate those decisions into existing business processes, and deliver those decisions to the market. Three-dimensional personalization enables this - by configuring the right product, at the right price, delivered at the right point in time. This offer creation is enabled by consumer lending analytics – including world-class data science, analytical modeling, and integrated machine learning.

View Your Enterprise with Confidence and Control

How can you leverage lending 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? How can consumer lending analytics and personalization help you achieve your origination and margin goals? With Earnix you will know.

Simplify the Lending Process

Loans and Credit Cards are large decisions — for both the bank lender and the individual consumer. With Earnix, you can 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. By operationalizing analytical insights in a rapid and consistent manner, end customers get a personalized offer in a rapid fashion while lenders experience quicker time to market and improved governance and control.

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, lending 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 lending bundles in a simple manner, giving consumers a limited number of individually tailored choices instead of a large number of average and sometimes irrelevant options.

Proactively Identify Lending Needs

Financial institutions 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 respond to life stage and lifestyle needs before they may occur - with contextually personalized 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 pricing and product personalization processes tailored to your specific needs and instruct you on how to leverage all the benefits of the platform.

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Improving Results — What Customers Say

"The implementation of Earnix’s customer centric pricing strategy resulted in a net interest margin increase of 2 million Euros month over month and provided a value of 57 million Euros over a 3 year time period."
– Leading European 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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