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OUR METHODOLOGY

The module we propose is Brand Scheme Cost Analysis for Credit Cards. Our strategies arise from all the income levers the bank has in its products. First strategies are presented just four weeks after project start.   

WHAT WE ANALYSE?

A

BRAND INVOICES

Segmentation of the various invoicing concepts according UPITE Consulting's criteria.

B

PRICING SCHEMES

Detail of the price evolution and its correct application, identifying possible pricing errors.

C

TRANSACTIONAL DATA

Analysis of the database about bank events that assume cost center and confirmation of the correct application of volumes in collections by the brands.

D

MONITORING TOOLS

Description of the process, areas involved and support tools in the control and continuous cost monitoring of the brand's costs.

REVIEW OF SETTLEMENT PROCESS AND CALCULATION ROUTINES OPTIMIZATION

We contribute to increase financial revenues through the application of profitability variables that are, without jeopardizing the use of the respective products, notably raising the revenue from active accounts. The end-user clients are not usually sensitive to these kinds of measures, yet they yield a high impact for the client. Therefore, they often top the list of recommendations in terms of priority for implementation and economic value added.

 

FEE AND COLLECTION PROCESS REVIEW

Our team of specialized analysts carries out a research on the client’s payment behavior of the financial institution and how a range of changes that results from our proposed strategies may affect the payment behavior. Such analysis contributes to securing a substantial increase in revenue without affecting the structure or global behavior of the client portfolio, guaranteeing that other revenue variables are not affected.

 

LEAKAGE DETECTION

We analyze existing deficiencies and establish suitable mechanisms to correct and avoid the revenue leakage caused by the application of an incorrect price. This approach guarantees revenue that would have been otherwise lost.

  • CREDIT CARDS

    We help issuers maximize their income and reduce their cost through multiple implementable measures with substantial and sustainable results. 

  • DEBIT CARDS

    We increase the profitability of current accounts and its main associated product, the debit card. 

  • OVERDRAFTS

    A product that ofers many areas of aditional income oportunity often overlooked by banks. 

  • CONSUMER & CAR LOANS

    We help maximize the profitability of loans products, through out the products live circle with little to no impact on customers. 

  • CURRENT & SAVINGS ACCOUNTS

    We maximize profitability by increasing the operational efficiency of all associated products.

  • PAYMENTS & TRANSFERS

    We increase efficiency of payments and transfers to increase the profitability of these services. 

PRICE STRUCTURE OPTIMIZATION

Our price optimization module contributes to the generation of additional revenue from fees by revising the leakage of revenue from those fees already in place and introducing new alternative sources of revenue.

 

FLOAT OPTIMIZATION

All our recommendations are aimed at improving the client’s Cash Flow, analyzing all the variables that may influence the generation of funds and their use.

 

CONTACT US

We will show you the path to additional revenue.

WE EARN IF YOU EARN

Our offer is mainly centered around improving the profitability of retail banking products with high transactional volumes.

 

To attend the needs of our clients we have developed two major approaches: Revenue Intelligence (RI) and Brand Scheme Optimization (BSO).

Revenue Intelligence®

Using our proprietary methodology we identify additional income opportunities for Consumer Finance products with high transactional volume.

Our strategies stand out due to their fast and minimally-intrusive implementation delivering verifiable and measurable positive results.

 

Therefore we offer our clients a success-based fee.

UPITE Consulting Services SL

Calle del Golfo de Salonica, 27

28033 Madrid, España​

+34 91 345 1747 • info@upiteconsulting.es

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© UPITE Consulting 2020