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Recently, the Commerce Department reported that consumer spending levels continued to rise in February, increasing for the fifth straight month *, while flat income...
In the past few days I’ve read several articles discussing how lenders are taking various actions to reduce their exposure to toxic mortgages –...
By: Tom Hannagan An autonomic movement describes an action or response that occurs without conscious control. This, I fear, may be occurring at many...
By:Wendy Greenawalt In my last few blogs, I have discussed how optimizing decisions can be leveraged across an organization while considering the impact those decisions...
By: Wendy Greenawalt Marketing is typically one of the largest expenses for an organization while also being a priority to reach short and long-term...
By: Tom Hannagan While waiting on the compilation of fourth quarter banking industry results, I thought it might be interesting to relate the commercial...
By: Amanda Roth Last week, we discussed how pricing with competition is important to ensure sound decision practices are being implemented in the domains of...
By: Amanda Roth Doesn’t that sound strange: Pricing WITH competition? We are familiar with the sayings of pricing for competition and pricing to be...
By: Tom Hannagan Apparently my last post on the role of risk management in the pricing of deposit services hit some nerve ends. That’s...
By: Amanda Roth The reality of risk-based pricing is that there is not one “end all be all” way of determining what pricing should...
By: Tom Hannagan This blog has often discussed many aspects of risk-adjusted pricing for loans. Loans, with their inherent credit risk, certainly deserve a...
By: Amanda Roth The final level of validation for your risk-based pricing program is to validate for profitability. Not only will this analysis build...
By: Amanda Roth To refine your risk-based pricing another level, it is important to analyze where your tiers are set and determine if they...
By: Amanda Roth As discussed earlier, the validation of a risk based-pricing program can mean several different things. Let’s break these options down. The first...
By: Roger Ahern It’s been proven in practice many times that by optimizing decisions (through improved decisioning strategies, credit risk modeling, risk-based pricing, enhanced...
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