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Consumers fled most types of CDs in the wake of the financial crisis and are unlikely to favor them again until the economy returns to a more ‘normal’ state.
Customer profitability analytics are useful for bankers, but misfires can occur when relationship profitability is confused with relationship pricing.
Institutions that are not practicing regional pricing are very likely mispricing their deposits, even in a low-rate environment.
Financial institutions can recover their lost debit card fees by refining their deposit pricing to reduce interest expense.
Customers will pay fees for services included in their checking account and not sold separately, but only at a price point perceived as “fair.”
Profit-based pricing helps lenders find the optimal price.