Kristin Moyer

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Entries Tagged as 'operations'

Dramatic Social Change is Brewing – the Impact on Banking

November 5th, 2009 · 3 Comments

One of the most dramatic social changes in history is brewing according (see entire article in The Economist: “Go Forth and Multiple a Lot Less”). At some point in the next several years, the fertility rate of half of the world will be 2.1 or below. This is replacement level fertility, where [...]

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Tags: operations

Predicts 2010 2010 for Operational Technologies in Banking and Investment Services

November 4th, 2009 · 1 Comment

Predicts 2010 is hot off the presses (for paying Gartner clients): “Predicts 2010: Operational Technologies Present Threats and Opportunities in Banking and Investment Services.” IT leaders at banks and investment service firms should use this analysis to support their business and IT planning in 2010 and beyond, and to avoid wasted investments.
This year’s predictions [...]

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Tags: operations

Avaya and Mortgage Mods?

November 4th, 2009 · 5 Comments

When I first saw the announcement that Avaya was getting into mortgage mods, my first thought was honestly, “Another provider to jump on the bandwagon.” Then I thought again.
Proactive Outreach for Financial Services is an outbound contact solution that uses voice automation to determine whether or not a borrower qualifies for modification (previously it [...]

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Tags: operations

Loan Portfolio Management, for Mortgage?

November 2nd, 2009 · 14 Comments

Contrasted to credit card issuers and consumer lenders, mortgage servicers are being less aggressive with the use of predictive analytics, optimization and behavior modeling.  For one thing, mortgage servicers have fewer levers to use and less data to leverage in reducing loss compared to issuers of revolving credit.  The cost of servicing has also gone [...]

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Tags: operations

Turning Data into Information – Tracking H1N1

October 27th, 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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Tags: operations

From Orlando to Cannes: Banking in Video and Audio

October 26th, 2009 · No Comments

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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Tags: Customer · Executive Decisions · operations · payments

Credit Card Issuers Further Ahead with Pattern-based Strategies

October 23rd, 2009 · 2 Comments

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 changing, [...]

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Tags: operations

Loan Portfolio Management – A Pattern-Based Strategy

October 21st, 2009 · 4 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 With Pattern-Based [...]

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Tags: Uncategorized · operations

Re-engineering Lending Profitability

October 20th, 2009 · No Comments

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 help [...]

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Tags: operations

More Use Cases for Loan Portfolio Management

October 19th, 2009 · 7 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 [...]

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Tags: operations