analytics Posts

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

Posted on March 30, 2023 by Baker Hill

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

Posted on December 1, 2022 by Tim Keith

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

Posted on February 22, 2021 by Tim Keith

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...

Business Analytics is Part of the Full Lending Performance Cycle

Posted on February 14, 2020 by John Robertson

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

Posted on December 19, 2019 by Baker Hill

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...

Are You Ready For Gen Z?

Posted on September 20, 2019 by Baker Hill

Millennials’ time in the spotlight is coming to a close as a new generation gains spending power and fiscal prominence. Gen Z, which includes individuals born between 1995 and 2012, is positioned to become the largest demographic of consumers by...