Smarter analytics puts money in the right place at the right time.

Consumer Banking

Accelerating the process of turning Big Data into actionable insight removes friction from financial flows, leading to better outcomes for consumers and businesses alike.

Solutions for...

  • Global banks
  • National banks
  • Regional banks

Market Challenges & Opportunities

Industry consolidation and globalization. Historically low interest rates. Technology disruption and new forms of competition. Increased regulation. Growth and margin compression. More sophisticated fraud and security risks. Together, these factors make consumer banking an exceptionally challenging market. Consumers have unprecedented choice in how and from whom they seek banking services. Banks must develop deeper understanding of their customers and rapidly put that insight into action. Big Data analytics can help, but it must offer high throughput that scales with the business and permeates all banking functions.

Solution IPC Can Help

Solution IPC helps consumer banks anticipate changing market dynamics, adapt quickly to unforeseen events, and maintain a competitive edge. By applying advanced data science to large data sets in a highly efficient way, Solution IPC’ Signal Hub extracts key insights that drive more timely, sophisticated, and precise business actions. This dramatically accelerates the analytics process and injects powerful data science directly into strategic and daily operational decisions throughout the business. Signal Hub revolutionizes Big Data analytics for banks, helping them achieve substantially faster time-to-value from their data assets.

Solution Overview

Improve CLV

Optimize the entire customer journey.

Signal Hub disaggregates the customer’s journey across the stages of the banking relationship and usage of banking products, then reassembles it in an application that enables intuitive, precise measurement and intervention, helping banks orchestrate the entire customer experience.

How it delivers value:

  • Provides a single analytics environment that integrates customer management analytics across the product lifecycle and portfolio
  • Defines and validates customer personas and associated needs at a deeply granular level of detail, enabling micro-segmentation, precision targeting, and preemptive action
  • Orchestrates omni-channel treatments that leverage all customer touchpoints
  • Helps deliver a positive customer experience at every stage of the lifecycle
  • Allows financial institutions to more successfully market additional products, increasing the number of products per customer and strengthening loyalty
  • Orchestrates multi-channel treatments that leverage all customer touchpoints
  • Proactively seeks monetization opportunities to expand customer lifetime value
Personalize at Scale

Retain a human touch in an increasingly digital world.

Signal Hub helps financial institutions engage with consumers more effectively, using highly tailored communications and channels that they favor, building the foundation for an enduring and mutually beneficial relationship.
 
 

How it delivers value:

  • Builds a profitable and loyal portfolio of customers, one interaction at a time
  • Helps financial institutions develop market offerings, promotions, and service experiences tailored to the interests and needs of specific customer segments and sub-segments on a massive scale
  • Provides a holistic view of the aggregate customer experience, from initial interaction, to adoption of the first banking product, to adoption of multiple subsequent products as the customer’s needs change over time
  • Enables banks and other financial institutions to compete more effectively on the basis of service quality
  • Allows financial institutions to analyze consumer utilization of products, learn what is and isn’t working, and make subsequent adjustments to optimize results
Manage Payment Cards

Help all of your customers shift to digital payments.

Signal Hub allows card issuers to expand and refine their issuance and management of payment cards by providing deeper, continuously refreshed insight into consumer creditworthiness, payment patterns, and other profile variables that affect risk and return.
 

How it delivers value:

  • Improves the volume and quality of credit issuance, commensurate with issuer risk profiles and business objectives
  • Enhances the sophistication and accuracy of consumer risk profiles, allowing issuers to increase, decrease, or conditionally adjust credit limits
  • Allows issuers to market additional payment cards and non-card payment products, increasing the number of products per customer and strengthening loyalty
  • Identifies segment- and individual-specific factors that drive consumer utilization of card and non-card payment products, allowing issuers to take action that systematically increases utilization
  • Drives greater merchant acceptance of payment cards and non-card payment products
  • Helps payment networks collaborate more effectively with card issuers to drive loyalty and increase payment activity on their branded card products

 

Mitigate Fraud

Go on the offensive. Turn the tables on fraudsters.

Solution IPC’ Signal Hub helps businesses refine and accelerate their ability to detect and combat financial and cyber fraud schemes. Signal Hub processes large volumes of data and rapidly identifies anomalies that indicate potential fraudulent activities or vulnerabilities, strengthening existing fraud management and security capabilities.

How it delivers value:

  • Augments existing fraud detection and mitigation solutions, providing an additional layer of protection based on advanced data science and machine learning
  • Detects anomalies in SWIFT, ACH, and wire transfers, allowing financial institutions to intervene in a precise and timely manner to validate or halt transactions
  • Analyzes patterns of consumer payment card usage to help merchants and issuers detect and block unauthorized transactions
  • Helps issuers, merchants, processors, acquirers, and payment networks detect points of compromise sooner, allowing faster intervention
  • Reduces the incidence of false positives, minimizing inconvenience for consumers due to false alerts or declined transactions
  • Enhances post-event forensics by providing detailed insight into patterns of fraudulent activity and root causes
More…

Smarter analytics helps money do greater things.

Signal Hub is designed to rapidly extract key insights from the massive volumes of Big Data that flow through the consumer banking industry every day, helping these businesses and their partners deliver a superior customer experience, drive profitable growth, maintain operational efficiency, and mitigate risks.

  • Customer Acquisition
  • Consumer Spend Maximization
  • Campaign Optimization
  • Churn Reduction
  • Customer Care Optimization
  • Competitor Intelligence
  • Capital Adequacy Compliance Management
  • Capital Planning and Stress-Testing
  • Underwriting Risk Modeling and Credit Policy

Solutions for...

  • Building societies
  • Credit unions
  • Savings and loan associations

Market Challenges & Opportunities

Like their banking counterparts, cooperatives and thrifts face the challenges of global consolidation and competition, the interest rate trough, technology disruption, regulatory compliance, and declining profitability But in a business that is all about margin, cooperatives and thrifts have far less margin for error than banks. A smaller market footprint, often a less diverse customer base, and lower budgets for IT investment create limitations that necessitate creative solutions. Big Data analytics can help narrow the gap with banks and enable more effective competition in high-value categories, with the customers they know best.

Solution IPC Can Help

Cooperatives and thrifts compete directly with consumer banks, and they face many of the same challenges. Unlike banks, they also face additional challenges because of their size, scope, and customer base. Fortunately, they can pursue many of the same opportunities as banks and also find unique ways to compete. Signal Hub from Solution IPC can help them capture these opportunities. By taking a unique approach to Big Data analytics, Signal Hub dramatically accelerates analytics activities and puts the power of data science into the hands of all employees. This speeds up innovation and improves operational performance, driving more profitable growth.

Solution Overview

Improve CLV

Optimize the entire customer journey.

Signal Hub disaggregates the customer’s journey across the stages of the banking relationship and usage of banking products, then reassembles it in an application that enables intuitive, precise measurement and intervention, helping banks orchestrate the entire customer experience.

How it delivers value:

  • Provides a single analytics environment that integrates customer management analytics across the product lifecycle and portfolio
  • Defines and validates customer personas and associated needs at a deeply granular level of detail, enabling micro-segmentation, precision targeting, and preemptive action
  • Orchestrates omni-channel treatments that leverage all customer touchpoints
  • Helps deliver a positive customer experience at every stage of the lifecycle
  • Allows financial institutions to more successfully market additional products, increasing the number of products per customer and strengthening loyalty
  • Orchestrates multi-channel treatments that leverage all customer touchpoints
  • Proactively seeks monetization opportunities to expand customer lifetime value
Personalize at Scale

Retain a human touch in an increasingly digital world.

Signal Hub helps financial institutions engage with consumers more effectively, using highly tailored communications and channels that they favor, building the foundation for an enduring and mutually beneficial relationship.
 
 

How it delivers value:

  • Builds a profitable and loyal portfolio of customers, one interaction at a time
  • Helps financial institutions develop market offerings, promotions, and service experiences tailored to the interests and needs of specific customer segments and sub-segments on a massive scale
  • Provides a holistic view of the aggregate customer experience, from initial interaction, to adoption of the first banking product, to adoption of multiple subsequent products as the customer’s needs change over time
  • Enables banks and other financial institutions to compete more effectively on the basis of service quality
  • Allows financial institutions to analyze consumer utilization of products, learn what is and isn’t working, and make subsequent adjustments to optimize results
Manage Payment Cards

Help all of your customers shift to digital payments.

Signal Hub allows card issuers to expand and refine their issuance and management of payment cards by providing deeper, continuously refreshed insight into consumer creditworthiness, payment patterns, and other profile variables that affect risk and return.
 

How it delivers value:

  • Improves the volume and quality of credit issuance, commensurate with issuer risk profiles and business objectives
  • Enhances the sophistication and accuracy of consumer risk profiles, allowing issuers to increase, decrease, or conditionally adjust credit limits
  • Allows issuers to market additional payment cards and non-card payment products, increasing the number of products per customer and strengthening loyalty
  • Identifies segment- and individual-specific factors that drive consumer utilization of card and non-card payment products, allowing issuers to take action that systematically increases utilization
  • Drives greater merchant acceptance of payment cards and non-card payment products
  • Helps payment networks collaborate more effectively with card issuers to drive loyalty and increase payment activity on their branded card products

 

Mitigate Fraud

Go on the offensive. Turn the tables on fraudsters.

Solution IPC’ Signal Hub helps businesses refine and accelerate their ability to detect and combat financial and cyber fraud schemes. Signal Hub processes large volumes of data and rapidly identifies anomalies that indicate potential fraudulent activities or vulnerabilities, strengthening existing fraud management and security capabilities.

How it delivers value:

  • Augments existing fraud detection and mitigation solutions, providing an additional layer of protection based on advanced data science and machine learning
  • Detects anomalies in SWIFT, ACH, and wire transfers, allowing financial institutions to intervene in a precise and timely manner to validate or halt transactions
  • Analyzes patterns of consumer payment card usage to help merchants and issuers detect and block unauthorized transactions
  • Helps issuers, merchants, processors, acquirers, and payment networks detect points of compromise sooner, allowing faster intervention
  • Reduces the incidence of false positives, minimizing inconvenience for consumers due to false alerts or declined transactions
  • Enhances post-event forensics by providing detailed insight into patterns of fraudulent activity and root causes
More…

Smarter analytics helps money do greater things.

Signal Hub is designed to rapidly extract key insights from the massive volumes of Big Data that flow through the consumer banking industry every day, helping these businesses and their partners deliver a superior customer experience, drive profitable growth, maintain operational efficiency, and mitigate risks.

  • Customer Acquisition
  • Consumer Spend Maximization
  • Campaign Optimization
  • Churn Reduction
  • Customer Care Optimization
  • Competitor Intelligence
  • Capital Adequacy Compliance Management
  • Capital Planning and Stress-Testing
  • Underwriting Risk Modeling and Credit Policy

Solutions for...

  • Global networks
  • National networks

Market Challenges & Opportunities

Digitalization of currency continues to advance rapidly, reducing friction in commerce and displacing both cash transactions and business models based on them. Payment networks are at the forefront of this trend, but their dominance is not guaranteed. Non-traditional players that focus on the highest-value product and customer segments have emerged, as have alternative payment networks and virtual currencies. Consumers have more choice than ever, and merchants show both loyalty to the status quo and willingness to explore competitor options, making profitable growth more elusive. Innovation, influence, and agility are critical competencies.

Solution IPC Can Help

Signal Hub from Solution IPC helps payment networks sharpen their strategic and operational capabilities, allowing them to more effectively compete in today’s markets and be better equipped to shape the evolution of future markets. With Signal Hub, payment networks can use Big Data analytics in a more rapid, efficient, and inclusive way, spurring internal innovation, improving operational efficiency, systematically reducing risk, and identifying ways to more effectively engage with acquirers, issuers, merchants, and consumers.

Solution Overview

Improve CLV

Optimize the entire customer journey.

Signal Hub disaggregates the customer’s journey across the stages of the banking relationship and usage of banking products, then reassembles it in an application that enables intuitive, precise measurement and intervention, helping banks orchestrate the entire customer experience.

How it delivers value:

  • Provides a single analytics environment that integrates customer management analytics across the product lifecycle and portfolio
  • Defines and validates customer personas and associated needs at a deeply granular level of detail, enabling micro-segmentation, precision targeting, and preemptive action
  • Orchestrates omni-channel treatments that leverage all customer touchpoints
  • Helps deliver a positive customer experience at every stage of the lifecycle
  • Allows financial institutions to more successfully market additional products, increasing the number of products per customer and strengthening loyalty
  • Orchestrates multi-channel treatments that leverage all customer touchpoints
  • Proactively seeks monetization opportunities to expand customer lifetime value
Personalize at Scale

Retain a human touch in an increasingly digital world.

Signal Hub helps financial institutions engage with consumers more effectively, using highly tailored communications and channels that they favor, building the foundation for an enduring and mutually beneficial relationship.
 
 

How it delivers value:

  • Builds a profitable and loyal portfolio of customers, one interaction at a time
  • Helps financial institutions develop market offerings, promotions, and service experiences tailored to the interests and needs of specific customer segments and sub-segments on a massive scale
  • Provides a holistic view of the aggregate customer experience, from initial interaction, to adoption of the first banking product, to adoption of multiple subsequent products as the customer’s needs change over time
  • Enables banks and other financial institutions to compete more effectively on the basis of service quality
  • Allows financial institutions to analyze consumer utilization of products, learn what is and isn’t working, and make subsequent adjustments to optimize results
Manage Payment Cards

Help all of your customers shift to digital payments.

Signal Hub allows card issuers to expand and refine their issuance and management of payment cards by providing deeper, continuously refreshed insight into consumer creditworthiness, payment patterns, and other profile variables that affect risk and return.
 

How it delivers value:

  • Improves the volume and quality of credit issuance, commensurate with issuer risk profiles and business objectives
  • Enhances the sophistication and accuracy of consumer risk profiles, allowing issuers to increase, decrease, or conditionally adjust credit limits
  • Allows issuers to market additional payment cards and non-card payment products, increasing the number of products per customer and strengthening loyalty
  • Identifies segment- and individual-specific factors that drive consumer utilization of card and non-card payment products, allowing issuers to take action that systematically increases utilization
  • Drives greater merchant acceptance of payment cards and non-card payment products
  • Helps payment networks collaborate more effectively with card issuers to drive loyalty and increase payment activity on their branded card products

 

Mitigate Fraud

Go on the offensive. Turn the tables on fraudsters.

Solution IPC’ Signal Hub helps businesses refine and accelerate their ability to detect and combat financial and cyber fraud schemes. Signal Hub processes large volumes of data and rapidly identifies anomalies that indicate potential fraudulent activities or vulnerabilities, strengthening existing fraud management and security capabilities.

How it delivers value:

  • Augments existing fraud detection and mitigation solutions, providing an additional layer of protection based on advanced data science and machine learning
  • Detects anomalies in SWIFT, ACH, and wire transfers, allowing financial institutions to intervene in a precise and timely manner to validate or halt transactions
  • Analyzes patterns of consumer payment card usage to help merchants and issuers detect and block unauthorized transactions
  • Helps issuers, merchants, processors, acquirers, and payment networks detect points of compromise sooner, allowing faster intervention
  • Reduces the incidence of false positives, minimizing inconvenience for consumers due to false alerts or declined transactions
  • Enhances post-event forensics by providing detailed insight into patterns of fraudulent activity and root causes
More…

Smarter analytics helps money do greater things.

Signal Hub is designed to rapidly extract key insights from the massive volumes of Big Data that flow through the consumer banking industry every day, helping these businesses and their partners deliver a superior customer experience, drive profitable growth, maintain operational efficiency, and mitigate risks.

  • Customer Acquisition
  • Consumer Spend Maximization
  • Campaign Optimization
  • Churn Reduction
  • Customer Care Optimization
  • Competitor Intelligence
  • Capital Adequacy Compliance Management
  • Capital Planning and Stress-Testing
  • Underwriting Risk Modeling and Credit Policy

Solutions for...

  • Alternative lenders
  • Alternative payment networks
  • Consumer credit information providers
  • Personal finance advisors

Market Challenges & Opportunities

Large financial institutions rely heavily on technology to drive innovation, key processes, and profitable growth, and their large customer bases help them absorb IT costs. Smaller institutions often lack these same resource and scale advantages but can turn to technology to equalize the imbalances. BankTech solution providers help banks and other financial institutions serve their customers more effectively and maintain a competitive edge. Big Data analytics solutions complement BankTech solutions, enabling key capabilities, yet most advanced analytics solutions can’t deliver rapid, scalable results.

Solution IPC Can Help

With Signal Hub from Solution IPC, BankTech gets better. Signal Hub rapidly ingests Big Data from multiple sources, creates an integrated data set, applies advanced analytics to extract the most critical insights, and packages those insights for rapid and intuitive consumption. Signal Hub can become an integral part of the BankTech solution environment, enriching features and functionality. It can also improve efficiency of key processes, such as transaction authorization and clearing, fraud detection and mitigation, and cash management. Deeper insight and more efficiency, delivered at lightning speed, accelerating and improving business results.

Solution Overview

Improve CLV

Optimize the entire customer journey.

Signal Hub disaggregates the customer’s journey across the stages of the banking relationship and usage of banking products, then reassembles it in an application that enables intuitive, precise measurement and intervention, helping banks orchestrate the entire customer experience.

How it delivers value:

  • Provides a single analytics environment that integrates customer management analytics across the product lifecycle and portfolio
  • Defines and validates customer personas and associated needs at a deeply granular level of detail, enabling micro-segmentation, precision targeting, and preemptive action
  • Orchestrates omni-channel treatments that leverage all customer touchpoints
  • Helps deliver a positive customer experience at every stage of the lifecycle
  • Allows financial institutions to more successfully market additional products, increasing the number of products per customer and strengthening loyalty
  • Orchestrates multi-channel treatments that leverage all customer touchpoints
  • Proactively seeks monetization opportunities to expand customer lifetime value
Personalize at Scale

Retain a human touch in an increasingly digital world.

Signal Hub helps financial institutions engage with consumers more effectively, using highly tailored communications and channels that they favor, building the foundation for an enduring and mutually beneficial relationship.
 
 

How it delivers value:

  • Builds a profitable and loyal portfolio of customers, one interaction at a time
  • Helps financial institutions develop market offerings, promotions, and service experiences tailored to the interests and needs of specific customer segments and sub-segments on a massive scale
  • Provides a holistic view of the aggregate customer experience, from initial interaction, to adoption of the first banking product, to adoption of multiple subsequent products as the customer’s needs change over time
  • Enables banks and other financial institutions to compete more effectively on the basis of service quality
  • Allows financial institutions to analyze consumer utilization of products, learn what is and isn’t working, and make subsequent adjustments to optimize results
Manage Payment Cards

Help all of your customers shift to digital payments.

Signal Hub allows card issuers to expand and refine their issuance and management of payment cards by providing deeper, continuously refreshed insight into consumer creditworthiness, payment patterns, and other profile variables that affect risk and return.
 

How it delivers value:

  • Improves the volume and quality of credit issuance, commensurate with issuer risk profiles and business objectives
  • Enhances the sophistication and accuracy of consumer risk profiles, allowing issuers to increase, decrease, or conditionally adjust credit limits
  • Allows issuers to market additional payment cards and non-card payment products, increasing the number of products per customer and strengthening loyalty
  • Identifies segment- and individual-specific factors that drive consumer utilization of card and non-card payment products, allowing issuers to take action that systematically increases utilization
  • Drives greater merchant acceptance of payment cards and non-card payment products
  • Helps payment networks collaborate more effectively with card issuers to drive loyalty and increase payment activity on their branded card products

 

Mitigate Fraud

Go on the offensive. Turn the tables on fraudsters.

Solution IPC’ Signal Hub helps businesses refine and accelerate their ability to detect and combat financial and cyber fraud schemes. Signal Hub processes large volumes of data and rapidly identifies anomalies that indicate potential fraudulent activities or vulnerabilities, strengthening existing fraud management and security capabilities.

How it delivers value:

  • Augments existing fraud detection and mitigation solutions, providing an additional layer of protection based on advanced data science and machine learning
  • Detects anomalies in SWIFT, ACH, and wire transfers, allowing financial institutions to intervene in a precise and timely manner to validate or halt transactions
  • Analyzes patterns of consumer payment card usage to help merchants and issuers detect and block unauthorized transactions
  • Helps issuers, merchants, processors, acquirers, and payment networks detect points of compromise sooner, allowing faster intervention
  • Reduces the incidence of false positives, minimizing inconvenience for consumers due to false alerts or declined transactions
  • Enhances post-event forensics by providing detailed insight into patterns of fraudulent activity and root causes
More…

Smarter analytics helps money do greater things.

Signal Hub is designed to rapidly extract key insights from the massive volumes of Big Data that flow through the consumer banking industry every day, helping these businesses and their partners deliver a superior customer experience, drive profitable growth, maintain operational efficiency, and mitigate risks.

  • Customer Acquisition
  • Consumer Spend Maximization
  • Campaign Optimization
  • Churn Reduction
  • Customer Care Optimization
  • Competitor Intelligence
  • Capital Adequacy Compliance Management
  • Capital Planning and Stress-Testing
  • Underwriting Risk Modeling and Credit Policy

What the Market Is Saying

"Opera has allowed us to take control of over $2B in annual spend from multiple ERPs and payment channels."

—VP Procurement, Top-5 Financial Services Firm

"Signal Hub's competitive advantage is that it doesn't just identify problems, it offers solutions to them — fast."

—Head of US Cards, Leading Global Bank

“Signal Hub has touched every piece of data we have, and the impact it has generated is outstanding.”

—EVP, Major US Payment Card Network

Want to know more?

Ask a Question

Ready to see it in action?

Schedule a Demo