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    Using powerful, data-driven analytics & strategies to improve performance for global financial institutions in Consumer Banking, Credit Cards & Payments

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    Recent Posts
    Driving Earnings Growth

    Improving Card Performance In Challenging Times

    In 2021 financial institutions are experiencing reduced revenue from their card portfolios as balances are paid down by consumers. Looking
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    Customer Experience

    The Evolution Of Credit Cards: 2021 Edition

    In the modern history of credit, we have never seen every component be disrupted and certainly not by a global health crisis? Three big
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    Managing Through Payments Adversity

    What 2020 Taught Us

    Pre-pandemic predictions for 2020 played out in a variety of ways as banks adapted to unfolding events with varying degrees of success. See
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    Managing Through Payments Adversity

    Are you getting the help you need?

    Consumer spending is not expected to recover measurably in the near term so banks now face a longer runway of diminished business activity
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    Managing Through Payments Adversity

    Winning the Transaction

    2020’s holiday shopping experience will be a new normal. Consumers are adapting, embracing new ways of transacting. Are you ready?
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    Customer Experience

    Is your CX truly without friction?

    “Everything can be done online or via mobile” is what customers hear, but actual experiences can quickly become a point of friction.
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    Managing Through Payments Adversity

    Banking...Still at The Crossroads?

    Consumer spending is down. Profits and margins are near all-time lows. What should banks do?
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    Driving Earnings Growth

    Being a Consultant During a Pandemic….

    Just about everyone on our team has been in consulting for many years – in some cases decades - and have seen how markets change,
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    Driving Earnings Growth

    Behavioral Economics or Behavioral Health ?

    In 2002 psychologists Daniel Kahneman and Amos Tversky won a Nobel Price for their work in developing the Prospect Theory in the late 70’s
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    Driving Earnings Growth

    You’ve read so many blogs…now what?

    Four months ago, things seemed good, right? Banks in the U.S. and Canada entered the COVID-19 crisis with relatively strong capital and
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