Banking growth needs a new playbook
Retail and business banks are facing a fundamental shift in how they compete and grow. Rising customer expectations, margin pressures, and competition from digital-first challengers are challenging traditional business models. Customers expect more personalized, seamless experiences, while banks must balance acquisition, retention, and profitability. Winning requires moving beyond individual products and transactions to deliver greater value across the entire customer relationship.
Simon-Kucher helps retail and business banks turn these challenges into opportunities for sustainable, profitable growth. We combine deep customer insights, advanced analytics, and commercial expertise to design compelling propositions, optimize pricing and monetization, and unlock the full value of customer relationships. From everyday banking and lending to business deposits, payments, lending and cash management, we help banks build differentiated growth strategies and the capabilities to execute them.
Services & capabilities
01
Growth strategy & new business models
Core and adjacent market growth strategies, organic and inorganic growth opportunities, market entry and expansion, competitive positioning, new business models, strategic partnerships, and growth opportunity assessment.
02
Pricing & monetization excellence
Deposit and lending pricing, fee strategy, relationship pricing, price optimization, customer-level elasticity modeling, and pricing governance.
03
Product & customer proposition strategy
Customer segmentation, value proposition development, product innovation, portfolio strategy, differentiated product offerings, and customer-centric proposition design.
04
Bundling, loyalty & relationship growth
Product and service packaging, relationship-based benefits, loyalty and rewards programs, cross-sell and deepening strategies, and customer lifetime value optimization.
05
Distribution & commercial effectiveness
Omnichannel distribution strategy, customer acquisition and retention, sales and relationship manager effectiveness, next-best-action strategies, sales incentives, and go-to-market execution.
06
Digital, data & AI-enabled growth
Digital banking propositions, advanced customer analytics, AI-driven personalization, pricing decision engines, digital customer journeys, and commercial capability building.
How we've helped in the Americas
Insights
Our latest thinking on strategy, growth and market disruption.
Who we are
Simon-Kucher is the world’s leading commercial growth and pricing specialist, with deep payments expertise. We help payment providers, fintechs, banks, merchants, and technology platforms across the Americas and globally identify growth opportunities, build winning propositions, optimize pricing and monetization, and strengthen go-to-market and sales execution.
Our team
Aman Shrivastava
Contact us
Our experts are always happy to discuss your opportunities. Reach out, and we’ll connect you with a member of our team.