Earnix 3D Personalization for Commercial Banking

Personalize Commercial Banking Products for Improved Customer and Business Results

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Personalize Commercial Banking Product Rates, Terms, and Fees Translates to Portfolio Growth

Recognizing the complexities of commercial banking products, Earnix provides an end-to-end Pricing, Rating, and Mortgage Product Personalization Software Suite, driven by world-class data science, analytical modeling tools, and integrated machine learning to create the ideal commercial banking package for your customer – small and medium size businesses.

 

The Earnix Solution for Business Banking

The  Earnix 3D Personalization Suite™ empowers commercial banking 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 and product personalization in commercial banking.  Earnix helps you understand your customers’ behavior including their propensity to retain, refinance, or release a commercial banking product - which enables you to personalize products and prices to win and retain their business.

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Solution Highlights

Dynamic Pricing, Rating, and Product Personalization

Earnix helps define, personalize, and deploy commercial banking offerings, allowing financial institutions to increase customer satisfaction while improving business results. With Earnix, you can offer the best commercial banking 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, real-time commercial banking offer across three dimensions. This offer creation is enabled by world-class data science, analytical modeling, and integrated machine learning.

Enterprise-Wide Scalability and Insight

How can you leverage your understanding of commercial rates, terms, and exceptions across 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 your business insurance solutions and opportunities? How will your SME customers respond to a change in interest rates, mortgage terms, or other credit products? With Earnix you will know.

Simplify the Commercial Banking Processes

Move systematically from data management to analytical modeling, to simulation and optimization – all inside single pricing and product personalization software product suite. Operationalize analytical insights in a rapid and consistent manner, resulting in quicker time to market and improved control and governance.

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.

Earnix in Action

Confidence, Compliance, Control

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. With Earnix, the pricing process is systemized, controlled, and governed via a single solution.

Easily Personalize Complex Mortgage Products

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

Proactively Identify Financing Needs

Financial Institutions have volumes of demographic, product, risk, and marketing data. Earnix helps your organization put this data to use through providing the ability to proactively identify and react to SME needs with contextually personalized offers – delivered at the appropriate point in time.

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

"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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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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Let's meet!

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

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