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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.
Four Critical Pricing Use Cases for Auto Lenders
Auto lenders around the world continue to face real pressure to remain profitable. This means developing and deploying more intelligent pricing strategies that can successfully reduce risk, increase profitability, and help auto lenders gain and maintain market share.
Transformieren Sie die Underwriting-Funktion Ihres Unternehmens mit Underwrite-It
Um echte agilität zu erlangen und ihre KPIs zu erreichen, müssen die versicherer das underwriting umgestalten und es vollständig in das pricing und rating integrieren.
Pricing Analytics for Auto Lenders: Four Critical Use Cases
While there are multiple applications of AI-powered pricing analytics solutions in the auto lending industry, this eBook showcases some of the most common use cases that helped Earnix customers create cutting-edge, competitive pricing strategies and meet their spread targets and KPIs.
A Guide to Unsecured Lending Growth
This Earnix guide takes a closer look at this emerging opportunity and offers six ways lenders can win more business and increase growth in unsecured personal lending – without losing sight of profitability.
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.
Industry Trends Report: Insurance Operations in a Changing Industry
To say that the insurance industry is currently changing would be vastly understating the impact of so many new developments and market conditions. Insurance carriers today are confronted by unprecedented change, coming all at once and from a wide range of factors. Earnix partnered with the Market Strategy Group, LLC to conduct a comprehensive independent research survey to uncover all these issues and more.
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Europe’s Big Bang on Pricing
EIOPA recommended in March 2023 a ban on price walking – the practice of increasing premiums on renewals based on non-risk factors. European insurers will need best-in-class pricing systems that can adapt quickly to the volatile and unpredictable market that will follow.