A process for determining an ATM pricing strategy

Article Abstract:

Automated teller machines (ATMs) have not yet been able to fulfill their promise of cutting transaction costs. If banks can impose charges for their use successfully, however, these ATMs may yet serve as revenue generators. A process that can be employed in examining whether or not banks should charge for the use of proprietary ATMs is described. In particular, the process developed by a retail banking institution which provided the needed information to implement a decision regarding a proprietary ATM pricing strategy is used as example.

Automated teller machines

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Who wins in consumer lending - and why?

Article Abstract:

The performance of banks in the area of consumer lending has generally been lackluster although some individual banks have shown that they can post two-digit growth rates as a result of their effective marketing strategies. These successful banks emphasize specialization and a correct identification of eligible customers as the keys to effective lending strategies. These banks are either card companies or involved in other specialized activities. Their customer analysis methodology uses tested scientific and statitistical techiques.

Commercial Banking, Retail Banking Services, Research, Retail banking, Personal loans

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The bittersweet future of loan securitization

Article Abstract:

An unbiased credit model for reducing underdiversification of bank portfolios through securitization is tested. Results show that the model addresses the adverse-selection problem by enabling the remote risk assessment of expected and unexpected loan losses that could lead to bank failure. However, the model enables borrowers to access public markets without the intervention of banks.

Models, Asset-backed securities, Asset backed securities, Credit management

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