New Software allows Bankers to Manage Relationships better

   Software Helping Banks Manage Relationships with Customer!

All bankers today want to put credible, useful and timely information into the hands of employees who can turn it into a competitive advantage .... as soon as possible .. before the next guy figures out how to do it.

With the pace of mergers and acquisitions in the Banking Industry increasing, more and more institutions are finding they are truly unable to come up with a complete picture of the total relationship their customer has with them. If their competitor can do it, they are at a definite disadvantage...

Recent articles have been written addressing a desire to take best of breed banking industry software and create "templates" which when modified (to address the specific needs of the institution) will jump start the traditional system development process.

It's been a secret!.until now!.this software ( now with an oracle eng. ) has already been installed for three large banking customers. It is the most comprehensive customer profitability/marketing cif/portfolio management system available. Furthermore, it's the only full function system now running under unix. Unix allows you more hardware choices at low costs, truly fantastic connectivity software providing an easier fit with existing sytems, and excellant price/performance.

This solution oriented customer information repository software addresses the banker's thirst for information by providing:

1. Customer, customer segment, product, product line, distribution channel, officer, team and organizational profitablility information. (the software contains shareholder value, matched and pooled fund transfer pricing, risk allocations, service allocations, the capability to include both high level and detail level product costing principles, historical profitablity as well as " what if " profitablity at the account and relationship level).

   Consistent measurements of ROE and ROA at all levels

2. Credit portfolio analysis information to identify opportunites and

   better manage risk exposure.

3. Decision support in providing a multitude of views on just what

   business your customers are doing with you. This information is    crucial to providing excellent customer service and in supporting    rightsizing, and other strategic intiatives

                ( i.e. merger, divestiture and
                  re-engineering analysis )

4. Cross legal entity customer information. The software supplies trend

   and current information about customers, officers, products,    business units, subsidiaries, etc. across all of your legal entites.

5 Productivity enhancement information permitting management to see

   where relationship officers spend their time most effectively.

6. Cross sell product/service information. Who are your most profitable

   customers? who are least profitable? What services do they buy?    What services do you want them to buy?

7. Prospecting information. By combining purchased data about prospects

   with in-house data on customers - effective prospect lists are created    quickly providing profitable results with minimal effort.

These are just a few of the informational needs addressed by the software. For more complete information please contact:

For more information contact:

      Kim E. Kerns
                 e-mail  applied_at_richmond.infi.net
                 voice    1-804-378-8050