Analyst Speak

Waiting for the (Payments) Hub: A Play in Three Acts, June 29, 2009 - Andy Schmidt

"Given that the payments hub is intended to be the foundation for the delivery of products and services, banks need to also consider new revenue streams that a payments hub can create, whether in the form of new pricing tiers or of new value-added services."

Decision Management in Consumer Banking: Slowly Moving Toward an Integrated Supporting Framework, July 6, 2009 - Kathleen Khirallah

"Larger banks are adopting profitability-based pricing for their deposit portfolios, and TowerGroup believes that they will eventually move toward customer relationship pricing."

Deposit Rewards Programs: It Takes All Kinds, 14 September, 2009 - Kathleen Khirallah

"TowerGroup believes that programs that reward the entire customer relationship (although expensive) are consistent with the strategic, longer-term goals of fostering customer-centricity."

Super-community Banks Announce Plans to Replace Core Systems: New Trend in Core Systems Market?, 14 September, 2009 - Robert Hunt

"Banks have to purchase or develop additional software to provide greater integration for functions such as viewing an entire customer relationship on a single screen or providing relationship-based pricing."

The Fantastic Future of Financial Planning in the US Wealth Management Industry, 7 September, 2009 - Sean Cunniff

"Clients are realizing more and more that investment management is becoming a commodity and that poor planning mistakes can more than offset good investment performance. This change will force the business model and pricing structure at many firms to shift to fees based on assets under management fees or to variable or fixed price planning programs based on the scope of the plan."

Customer Lifetime Value: Can Insurance Carriers Bring Home the Love?, July 13, 2009 - Karen Pauli

"The insurance industry has always been leery of differentiating service and pricing for fear of being accused of discriminating against individuals. Customer value initiatives are not about treating one customer badly and one customer well. Timely and fair service is the baseline. However, customers who bring the most value to a carrier financially warrant additional attention."

Positive Deposit Flows Happen: Hot Money or the Start of a Beautiful Relationship?, May 4, 2009 - Kathleen Khirallah

"The time has clearly arrived for bankers to enhance their understanding of consumer behavior and to develop pricing capabilities and relationship strategies."