Value Proposition canvas- Customer needs and pains
Bank data managment
1. We Make Bank Data Insightful
The war for talent in banking risk management
Risk and compliance are core to financial institutions’ operations, and critical to their business
models, yet a “war for talent” exists, and is intensifying, in today’s changing marketplace.
3. Account Profitability
Every deposit account, loan, credit card and safe deposit box is shown in income statement format
using all customer activities which are downloaded from the bank’s core system. These activities
are monetized using each bank’s own costs.
4. Customer Profitability
The entire customer relationship is shown including related affiliates and the ability to “drill
down” to the account level is enabled.
5. Checking Account Modeling
Opa’s program points out that most banks have a problem with checking and savings account
in that the majority of them lose money even with NSF fees included.
6. Most Profitable Customers
High/Low CIF Profits
Banks will be able to see that the top 10% of profitable customers provide almost all of the profit.
The bank ’s calling efforts will be directed to those at the top and those at the bottom will
receive attention to stop the losses.