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Power Your Auto Loan Forecasts with Pricing Science
Power Your Auto Loan Forecasts with Pricing Science

September 20, 2022

By Equipo de Earnix

Rising inflation, supply challenges and a decline in new automobiles available for sale are challenging the traditional Captive OEM business. Fierce competition from banks, credit unions and data savvy Fintechs is contributing to the plunging new car loan volume and the overall Captive’s market share erosion.

Pricing Personalization
Driving Financial Service Excellence Through Dynamic Decisioning & Analytics
Driving Financial Service Excellence Through Dynamic Decisioning & Analytics

August 15, 2022

By Equipo de Earnix

In order to capture the full business value of their efforts, financial services firms need to take a more holistic view of transformation. They need to ensure that they are covering the entire customer lifecycle, and that the effort encompasses the entire organization. Only then can they become truly connected, agile, and resilient.

Analytics Pricing
Driving Car Loan Volume And Gaining A Competitive Advantage In A Rapidly Changing Environment: A Captive Lender Perspective
Driving Car Loan Volume And Gaining A Competitive Advantage In A Rapidly Changing Environment: A Captive Lender Perspective

August 8, 2022

By Will Ely

The traditional Captive OEM business model is being challenged by several disruptive forces simultaneously, including changes in customer preferences towards personalized, all-digital car buying experience and digitally savvy competitors who bypass the dealer networks and approach customers directly. These trends result in a market share erosion for Captives, sliding profitability, and greater risk exposure in today’s volatile economy.
Pricing Customer Centricity
Modernizing Financial Services Through Composable Solutions
Modernizing Financial Services Through Composable Solutions

July 4, 2022

By Equipo de Earnix

The terms “composable” and “composability” are gaining momentum in financial services, as insurance firms and banks work to eliminate silos, quickly implement new capabilities, and actualize robust strategies across the business, all without introducing added risk, or inefficiencies.  That’s a tall ...
Transformation Pricing
How to Remain Price Competitive While Optimizing Profitability
How to Remain Price Competitive While Optimizing Profitability

May 10, 2022

By Equipo de Earnix

Like all segments of the banking industry, automotive lending software is in the midst of tremendous change, driven not just by the effects of the COVID-19 market shock, but also from structural changes in the market such as online car buying, and resulting changes in dealer behavior.  At the recen ...
Pricing
Avoiding the Banking Commoditization Trap & Gaining an Advantage
Avoiding the Banking Commoditization Trap & Gaining an Advantage

April 7, 2022

By Equipo de Earnix

For many financial services customers, there is little differentiation between rival banks and their products and services. In these consumers’ view, financial products are truly commodities, and with those products widely available from traditional banks, neo-banks and non-bank sources, competition ...
Pricing
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