Blog Posts in category: analytics

Mastering the Art of Data Analytics: How to Manage Deposit Growth & Cost of Funds in 2023

It’s no secret that the historic series of interest rate hikes have banks concerned about where the flow of deposits is heading this year. While the exceptional liquidity of the pandemic left many banks with a flush of deposits, the...

Don't Overpay For Deposits

A predictable phenomenon of every rising rate cycle is a paranoia among bankers about repricing existing deposit balances. This is understandable in the current cycle as 0% interest rates for over 2 years resulted in an unusually high percentage of...

Omnichannel: Not Just a Buzzword

If we are being honest as financial marketers, we will admit that the industry is currently rife with buzzwords. One of the most prominent buzzwords currently in circulation is “omnichannel”. I am here to tell you that omnichannel is not...

A Data Driven Approach to Profitable Growth

At Baker Hill, we spend a great deal of time helping our clients bring finance, marketing and sales together to create profitable growth. Our focus is not on building a balance sheet at the expense of income, but instead building...

Business Analytics is Part of the Full Lending Performance Cycle

On several occasions I’ve spoken about the “Full Lending Performance Cycle” (FLPC). This cycle is comprised of several steps aligned with the origination process and aftermath when evaluating a portfolio. One tool for evaluating the portfolio is business analytics. As...

Spoiler Alert (not really): Millennials Aren’t Going to the Branch

Millennials – the most digitally-savvy and computer-literate generation of our time – are opting for digital experiences over branch ones. This is not surprising and banks are taking note. While the branch may not go away, it is transforming. Some...
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