Realize the full potential of your card portfolios. We help maximize the profitability of your credit 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.
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.
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:
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.
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.
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.
We will discuss your portfolios and business challenges to identify areas where we can help.
We create a customized set of tactical solutions to help you enhance earnings, and we work alongside your team to ensure a successful implementation.
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.
"PROFIT INSIGHT provided $11 million of earnings optimization for a Top 25 North American credit card issuer’s loyalty programs."
"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."