Kristin Moyer

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Archives for October, 2009


Social Networking for Insurance Depends on a More Concrete Commitment to Achieve Business Value

by Kristin Moyer  |  October 30, 2009  |  2 Comments

Steve Leigh from the insurance team here –   I wanted to let everyone know that I along with two colleagues here at Gartner (Juergen Weiss and Stephen Forte), will be talking about social networking for insurance in our upcoming teleconference on November 6th.   It seems to me that there remain considerable questions about what [...]

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Category: Customer insurance social networking     Tags: , ,

Turning Data into Information – Tracking H1N1

by Kristin Moyer  |  October 27, 2009  |  1 Comment

In financial services, data has become the differentiator in payments.  Financial institutions struggle to differentiate with payment products, but they can differentiate by using data for value added purposes (for Gartner clients, please see Banks Must Invest in Payment Systems to Win Back Customer Trust, Payment Information Value-Added Services: The Cornerstone of Customer Loyalty and [...]

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Category: operations     Tags: ,

From Orlando to Cannes: Banking in Video and Audio

by Kristin Moyer  |  October 26, 2009  |  Comments Off

From Peter Redshaw.  I’m just back from the hugely successful Gartner Symposium in Orlando, USA, so now I have only the one week to help make final preparations for its sister event in Cannes, France! Orlando provided lots of evidence that confidence in the IT industry is starting to grow again and the banking and [...]

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Category: Customer Executive Decisions operations payments     Tags: , , , , ,

Credit Card Issuers Further Ahead with Pattern-based Strategies

by Kristin Moyer  |  October 23, 2009  |  1 Comment

Mortgage servicers have been slow to adopt loan portfolio management (a technology that supports pattern-based strategy) and continue to suffer heavy losses.  Contrasted to this, credit card issuers have been aggressive with adopting loan portfolio management to seek, model and adapt. For example, credit card issuers are reducing limits on consumers whose risk profile is [...]

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Category: operations     Tags:

Loan Portfolio Management – A Pattern-Based Strategy

by Kristin Moyer  |  October 21, 2009  |  3 Comments

Gartner has been writing about Pattern-Based Strategies for some time now.  It’s an existing body of research, here are some examples (for paying customers): “Introducing Pattern-Based Strategy“ “Balance Investment in Four Categories to Support Pattern-Based Strategy” “Five Eras of IT Business Value Add: From Automation to Pattern-Based Strategy” “CEOs and Chief Strategy Officers: Balance Investments [...]

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Category: operations Uncategorized     Tags: ,

Re-engineering Lending Profitability

by Kristin Moyer  |  October 20, 2009  |  Comments Off

In addition to dealing with delinquency and supporting other risk management capabilities, loan portfolio management can also be used to rebuild portfolio profitability and growth in the face of volatile conditions and regulatory change. Regulatory change, falling balances, record delinquencies and general recessionary stress require a new approach to credit cards.  Loan portfolio management can [...]

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Category: operations     Tags:

More Use Cases for Loan Portfolio Management

by Kristin Moyer  |  October 19, 2009  |  5 Comments

We’ve previously posted on use cases for loan portfolio management.  We know extend this list.  Loan portfolio management can reduce credit loss in the following ways: Distressed portfolio management – ability to determine the optimal treatment strategy: Loan modification Short sale Third party sale Foreclosure Loan modification risk – ability to analyze the risk of [...]

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Category: operations     Tags:

“Who” is Important, but “Why” Shows the Way Forward for Delinquency Treatment Strategies

by Kristin Moyer  |  October 16, 2009  |  2 Comments

One thing loan portfolio management can do is to identify borrowers in distress.  This is very important for revolving lines of credit, as it enables lenders to take action on credit lines before problems go deeper.  But what about non-revolving credit, like mortgage for example?  Does identifying borrowers in distress really help?  Yes, but “why” [...]

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Category: operations     Tags: ,

Let’s Meet in Cannes!

by Kristin Moyer  |  October 15, 2009  |  4 Comments

From Peter Redshaw> Within the Banking and Investment Services team, we continue to receive a wide range of enquiries from our financial services clients. What is clear from these ongoing interactions with clients is that time is of the essence – time to plan and form strategies is in short supply, and clients are increasingly [...]

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Category: Executive Decisions     Tags: , , , , , , , , , ,

Communicate, Communicate, Communicate

by Kristin Moyer  |  October 15, 2009  |  1 Comment

Bank bashing continues.  UK consumer group Which? has launched a campaign dubbed “Britain Needs Better Banks.” Which? says that three quarters of consumers they have surveyed think banks aren’t genuinely sorry for causing the financial crisis.  Which? is inviting consumers to vote for theme songs for this campaign such as “Gold Digger,” “Take the Money [...]

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Category: Customer Uncategorized     Tags: ,