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Our Focus

Credit Cards

Realize the full potential of your card portfolios. We help maximize the profitability of your credit card portfolios.

Could you be generating improved returns from your card portfolios?

Maintaining and improving the profitability of a credit card portfolio has never been more challenging, due to increased regulation, intense competition and the myriad complexities of the product. Through Performance, Terms and Pricing and Platform Optimization, PROFIT INSIGHT recommends strategies and tactics to help you realize the full potential of your credit card portfolios.

  • Drive sustainable growth
  • Improve net income
  • Increase usage and “top of wallet” position with incentives
  • Reduce overall program operating costs
  • Drive incremental earnings through fee analysis
  • Uncover revenue leakage and prevent future loss

Credit Card Strategic Areas

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    Performance Optimization

    Reduce overall program operating costs, improve efficiency and increase revenue per active account.
    Performance Optimization

    Through revenue enhancement and assurance, we help uncover opportunities to drive incremental growth from within existing credit card portfolios and boost your bottom line. The multiple revenue and cost levers used to successfully manage a credit card portfolio – including interest, fees, interchange, operating and program costs - are reviewed for improvement opportunities and cost-saving systematic efficiencies. We provide insight and strategies for your card portfolios, helping to generate account and spend growth, while increasing revenue per active account and “top of wallet” positioning with valuable incentives.

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    Terms and Pricing Optimization

    Ensure your critical systems are aligned with expected business practices and product agreements.
    Terms and Pricing Optimization
    • Align critical systems - We use an analytical framework to conduct a complete review of critical systems settings and ensure each component reflects management policy decisions.
    • Identify process inconsistencies - We review and compare product features and consumer disclosures to system functionality. We produce a detailed report of any inconsistencies and recommend ways to bring these components back in line.
    • Maintain customer satisfaction - We ensure the customer experience is consistent with your account holders' expectations.
    • Continuously improve your operations - We incorporate management routines into the support of continuous system setting reviews, enhancement of daily processes and self-audits.
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    Platform Optimization

    Realize the full potential of your system from strategies geared to improve the return on investment in your payment processing platform.
    Platform Optimization

    We use an analytic framework developed by processing infrastructure experts, to conduct a complete review of your critical systems and parameter settings and ensure they reflect management policy decisions and provide optimum performance. This program will:

    • Identify process inconsistencies
    • Improve speed to market and gain other operational efficiencies
    • Improve customer experience
    • Improve ROI from existing technology
    • Generate higher ROA from newly implemented strategies 
Performance Optimization

Through revenue enhancement and assurance, we help uncover opportunities to drive incremental growth from within existing credit card portfolios and boost your bottom line. The multiple revenue and cost levers used to successfully manage a credit card portfolio – including interest, fees, interchange, operating and program costs - are reviewed for improvement opportunities and cost-saving systematic efficiencies. We provide insight and strategies for your card portfolios, helping to generate account and spend growth, while increasing revenue per active account and “top of wallet” positioning with valuable incentives.

Terms and Pricing Optimization
  • Align critical systems - We use an analytical framework to conduct a complete review of critical systems settings and ensure each component reflects management policy decisions.
  • Identify process inconsistencies - We review and compare product features and consumer disclosures to system functionality. We produce a detailed report of any inconsistencies and recommend ways to bring these components back in line.
  • Maintain customer satisfaction - We ensure the customer experience is consistent with your account holders' expectations.
  • Continuously improve your operations - We incorporate management routines into the support of continuous system setting reviews, enhancement of daily processes and self-audits.
Platform Optimization

We use an analytic framework developed by processing infrastructure experts, to conduct a complete review of your critical systems and parameter settings and ensure they reflect management policy decisions and provide optimum performance. This program will:

  • Identify process inconsistencies
  • Improve speed to market and gain other operational efficiencies
  • Improve customer experience
  • Improve ROI from existing technology
  • Generate higher ROA from newly implemented strategies 

Credit Card Solutions

Strategies to boost your bottom line.

Earnings Optimization

Revenue leakage in your business can lead to weakened financial performance. Through earnings optimization, we find leakage opportunities in your business activities and take action to correct with the goal of reducing costs and maximizing your financial growth.

Data-Driven Advisory

When it comes to driving future performance and strategic planning for your business, observing and analyzing your data will drive the most successful, consistent results. We work with our clients’ transaction level data to identify and develop customized strategies and market-leading tactical solutions to deliver measurable improvements to the bottom line.

Operations and Platform Efficiency

By delivering exceptional customer experiences and streamlining processing and operations, you are able to run the business more proficiently and efficiently. We take a holistic view of operating components, platform capabilities, customer touchpoints and downstream processes to identify tactical improvements, which produce direct savings and ensure investment is maximized.

Getting Started

It’s easy.
We uncover the growth potential in your existing portfolios.
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Contact Us
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Schedule a Call

We will discuss your portfolios and business challenges to identify areas where we can help.

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Solutions & Implementation

We create a customized set of tactical solutions to help you enhance earnings, and we work alongside your team to ensure a successful implementation.

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Ongoing Partnership

We continue to proactively monitor your portfolios’ performance and bring new ideas to help you thrive. We become a trusted partner invested in your long-term success.

Credit Cards - Client Success

Success stories from a few of our clients

"PROFIT INSIGHT provided $11 million of earnings optimization for a Top 25 North American credit card issuer’s loyalty programs."

A Top 25 North American credit card issuer

Earnings Optimization - Card Loyalty

"PROFIT INSIGHT helped this Eastern European card issuer go from 0% balance growth to sustainable 34.6% balance growth by using data-driven customer-based profitability models."

An Eastern European card issuer

Earnings Optimization - Card
All Case Studies

Our Insights

Stay ahead on the latest trends in financial optimization

September 22, 2020
“Everything can be done online or via mobile” is what customers hear, but actual experiences can quickly become a point of friction. 
September 1, 2020
Consumer spending is down. Profits and margins are near all-time lows. What should banks do?
August 11, 2020
Just about everyone on our team has been in consulting for many years – in some cases decades - and have seen how markets change,

Ready to start improving financial performance?

Schedule a Call