Banking & Financial Services

For over 25 years we have worked with many of the top global and regional financial institutions to support their profitable growth. We serve as specialists in front-office strategy and marketing consulting, helping our clients to develop new products, analyze customer behavior, integrate channel dynamics and optimize sales processes. Pricing is always a key feature of our projects and we are experts at identifying what (and how) customers will pay for new and existing products and services. We use a broad range of methods and techniques to deliver behavior-based insights and are the only global consultancy dedicated to fact-based revenue growth and profit enhancement. We serve all segments including retail banking, asset management, private banking, wealth management, corporate banking and broader financial services such as FS IT solutions, financial information, payments and receivables management.

Like never before, the banking and financial services industry has to manage the conflicting needs of everyone. How can customers make a high return on savings and investments  and access cheap lines of credit? How should banks deal with increasingly higher costs through regulation, stringent capital adequacy requirements and historically low interest rates? What are the products, services and prices that succeed in an increasingly complex, commoditized and dynamic market environment? And when new propositions are designed and priced effectively, how can sales processes be fine-tuned to ensure that the value of the propositions are communicated to pinpoint the needs of target customer segments? If summarized, the top challenge of any financial institution today is to reach an optimal point of “fair value exchange” with their customers.

  • Product portfolio and pricing optimization (checking and savings accounts) for large and medium retail banks
  • Pricing process redesign (roles, responsibilities, pricing organization, supporting pricing tools and models) for a major retail bank
  • Optimization of product offering for the wealth management arm of a leading bank
  • Margin optimization through better differentiation of pricing processes by segment in equipment finance
  • Benchmark and growth strategy in prepaid cards
  • Operational efficiency program for major investment fund provider, incl. assessment of core marketing/pricing processes, reallocation of FTEs, definition of qualification requirements etc.

Selected clients

  • American Express
  • Barclays
  • BNP Paribas Cardif
  • Citi
  • Credit Suisse
  • Deutsche Bank
  • Equens
  • First Data
  • GE Capital
  • Goldman Sachs
  • HSBC
  • MoneyGram
  • Société Générale
  • Union Investment
  • USAA
  • Virgin Money
  • Western Union