White Label
Accommodation
Acquisition
BaaS
PRODUCT/SALES CENTRIC
CUSTOMER/SERVICE CENTRIC
COST PER LOAN
REVENUE PER LOAN
Accommodation
Efficiency*
Commodization
*Efficiency plays pose a risk to long-term success and are not sustainable for most banks
INNOVATIVE
Extending products and services beyond traditional channels drives new customer segments and revenue and expands market share.
Driving cost containment efforts
by focusing on more efficient
processes; Lack of differentiation in product and service.
STATUS QUO
Increasing Share of Wallet by cross-selling complementary products and services to existing customer segments.
EXPANSIVE
Standardized, automated but barely differentiated end user experince and product. Focused on maximizing their profitability by optimizing their existing lending products and processes.
optimized
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