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OUR METHODOLOGY

Our proprietary approaches lead to measurable and sustainable results 

To attend the needs of our clients we have developed two major approaches:

Revenue Intelligence® and Brand Scheme Optimization.

Revenue Intelligence®

REVENUE ENHANCEMENT

In our Revenue Enhancement module we perform an extensive review of the banks processes, practices, and business rules to identify potential leakages and areas of improvement, resulting in the presentation of actionable recommendations with a direct impact on the bank's income levers. 

REVENUE ASSURANCE

 

The modules we propose are Revenue Intelligence & Brand Scheme Cost Analysis for Credit Cards. Our strategies arise from all the income levers the bank has in its products and the first ones are presented just 4 weeks into the project.  

REVENUE STRATEGIES

Revenue strategies is the 3rd module we are offering which has its focus on growing balances of products / gaining customers. 

Revenue Enhancement

A

CALCULATION ALGORITHMS

 

System failures detection

B

SETTLEMENT PERIODS

 

Settlement periods adjustment

C

FEE CHARGING CONCEPT

 

Fine tuning of existing fees and charges

REVENUE ENHANCEMENT • WHAT WE ANALYSE

D

PRICING CONCEPT

 

Tariffs optimization

E

MARKET ANALYSIS

 

Competitive analysis with statistical benchmarking

F

COSTS INVOLVED

 

Cost optimization

1

DATA GATHERING

The first step is the information assembly. All information we ask for is already available within the bank in the form of reports, client statements or contracts. 

2

ANALYSIS & DETECTION OF OPPORTUNITIES

The second step is the start of the project on the client's premises. We start the analysis of the products in scope and detect first opportunities.

3

PROFITABILITY DIAGNOSIS

The third step is critical for the decision of moving forward with a strategy or not. In this step we assess the annual impact of each strategy for the bank.

4

PRESENTATION OF STRATEGIES

The fourth step consists of the presentation of the strategies and the start of the decision process of the bank. 

5

IMPLEMENTATION PROCESS

In the fifth step of the process the bank has already taken the decision regarding implementation. UPITE and the bank agree on the tracking models for measurement. 

6

SYSTEM AUDIT & BILLINGS

In the sixth step of the process implementation has already taken place. UPITE will check the implementation based on specific statement information.

REVENUE ENHANCEMENT • HOW WE DO IT

Revenue Assurance

A

SYSTEM & TOOL REQUIREMENTS

 

  • System upgrades & migrations

  • Integration of new reporting tools

  • Changes in Data warehouse

B

BUSINESS REQUIREMENTS

  • New risk strategies

  • New operational strategies

  • New collections & marketing requirements

C

REGULATORY & PROCESSES CHANGES

  • Changes in T&Cs

  • Changes in claims dealing process

  • Changes in operational & billing process

D

BUSINESS EXPANSION

  • Portfolio mergers and acquisitions

  • New products launched & available channels

  • Special promotion & sale initiatives

REVENUE ASSURANCE • WHAT WE ANALYSE

GENERATE SEVERAL LEAKAGES

  • Reporting & IT application’s errors

  • Interest & fees calculation errors

  • Dates & billing cycle errors

  • T&C’s & special condition applicability errors

1

DATA GATHERING

The first step is the information assembly. The structure of the data model will be defined ad hoc so that it is very easy to export it for the purposes of the RA project. 

2

DATABASE ANALYSIS

Correct design of the database through the information requirement allows the analysis of the entire portfolio. Any inconsistency is recorded and mapped for later follow-up. Real transactions are contrasted with the parameterization made by UPITE from the terms and conditions, of both the P&L account and the MIS reports.

3

LEAKAGE DETECTION

The third phase involves distinguishing leakages from accepted inconsistencies. This step is crucial to understand what can be optimized.

4

STRATEGY DESIGN & PRESENTATION

The fourth step consists of the presentation of the strategies and the start of the decision process of the bank. 

REVENUE ASSURANCE • HOW WE DO IT

6 REASONS FOR WORKING WITH US

Our consultants' experience and the speed of project execution are just two of them.  

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