Loan Pricing Optimization and Decisioning Engine

How do you price your consumer loans today?

Are you using manual revisions of pricing tables? Not able to deploy price updates as often as you need? Unsure if you are making the optimal decisions? If any of this sounds familiar, you are in need of a pricing operation revamp.

Discover AI-backed analytics, pricing optimization and decisioning engine. Increase profitability and create a well-rounded and turbulence-proof portfolio.

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What Is Your Challenge?

Earnix equips you with insights into what a dynamic pricing engine can do for you, key features and functionalities to look for, and how you can best leverage these to solve your challenges, no matter how complex they are.

Unprofitable Loans?

Earnix Customer Results

Achieved a 65% reduction in unprofitable loans and a 10-15bp lift in profitability.

A 65% reduction in unprofitable loans and a 10-15bp lift in profitability

This is what Earnix was able to deliver for a Tier-1 Bank in North America. With real-time pricing optimization backed by AI analytics, you can deploy price updates to the market daily, before the competition can even schedule a meeting between their data scientists and the pricing team.

Falling Loan Volume?

Earnix Customer Results

Loan bookings are up by 9% within the 1st year. Increase in all-in revenue by 17% over 2 years.

Loan bookings are up by 9% within the 1st year. Increase in all-in revenue by 17% over 2 years.

These are the results that Earnix delivered for an Italian Retail Bank. With real-time optimization, scenario simulation, dynamic A/B testing capabilities, and ongoing monitoring, you can predict market reaction to your proposed pricing changes and find that sweet spot to balance out volume and profitability.

Slow Pricing Updates?

Earnix Customer Results

Replaced quarterly manual price updates with automated 2-3 times a week deployments.

Replaced quarterly manual price updates with automated 2-3 times a week deployments.

This is what Earnix did for a large US Retail Bank. Our code-free SaaS pricing engine enables business-led deployments without overly depending on IT. Rates can be deployed faster and with the understanding of how price adjustments will impact volume, spread, and pull through.

Siloed Systems?

Earnix Customer Results

Using integrated systems, introduced personalization to differentiate rate cards. Achieved a 29 bps uplift.

Using integrated systems, introduced personalization to differentiate rate cards. Achieved a 29 bps uplift

These results were made possible for a leading UK Bank thanks to Earnix modern analytical infrastructure. Legacy technologies constructed of numerous systems, are not up to the task. An AI-based solutions is essential to saving you from spreadsheets, slow manual processes, data silos and granular data preparation for your pricing committee.

Are Your Making Optimal Decisions When Pricing Your Consumer Loans?

Consumer Loan Personalization: Why Now

Lenders wanting to maintain their competitive advantage need to be looking for ways to stand out in a crowded marketplace. So then, how do you cut through the noise to reach those buyers trying to find the loan that’s just right for them? The answer - loan personalization -  and it’s exactly why personalization has been gaining popularity in the past several years across all consumer lending lines including unsecured personal loans, auto, and mortgage.

Webcast with Consumer Bankers Association

Discover Earnix Price-It™

A single platform for price modeling, optimizing, simulating, and deploying, so you can react quickly to changing market conditions and bring new products to market faster.

Understand Earnix Pricing Accelerator

A simulation and reporting module with a simple UI, designed to complement the Price-It solution by simplifying complex data and analytics and turning them into easy-to-understand, actionable insights.

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About Earnix

Earnix is a global provider of real-time, AI-driven dynamic pricing, product personalization, and digital decisioning solutions for financial services industry including consumer lending, auto finance, mortgages, and more. Our agile pricing engine makes personalized offers a reality, shortening time to value and closing the business before competition can react.