PT dominates the Earnings Enhancement Advisory market for Credit Card. PT has developed Value Creation StrategiesTM that have created hundreds of millions of dollars for institutions around the world; ranging from the largest institution to the smallest issuers. In doing so, PT has amassed a database in Credit Card alone of over 150 million accounts.
Enhancement areas include: Operations, Marketing, Credit and Collections.
Engagement Activities:
- Product Line Evaluation and Analysis
- Competitive Comparisons
- Review of Fee Initiation Practices
- Profitability Audits of Systems
- "Hidden Profits"
- Marketing Opportunities
- Optimising Processing Routines
- Review of Fee Collection Practices
- Interest Calculation Methods
- Compliance with Disclosures
Engagement Results:
- Improved Net Interest Margin/Net Interest Income
- Increased Revenue/Gross Active Account
- Increased Average Balances
- Increased Non Interest Income
- Reduced Net Operating Expense
- Improved Efficiency Ratio
- Improved Customer Satisfaction
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