http://www.fico.com/en/products/fico-triad-customer-manager FICO Deposits Survey - Fall 2015 Question Title * 1. What is your organization’s asset size? $100B+ $50B-100B $10B-50B $1B-10B Less than $1B Question Title * 2. On a scale of 1-6, with 1 being the most important and 6 being the least important, please rank the importance level of each of the following to your deposit customers: 1 2 3 4 5 6 Availability of funds 1 2 3 4 5 6 Fees 1 2 3 4 5 6 Interest rate 1 2 3 4 5 6 Overdraft lines 1 2 3 4 5 6 Digital experience 1 2 3 4 5 6 In-branch experience Question Title * 3. What are the key issues/challenges currently facing the organization? Select all that apply: Growing marketshare Improving customer experience Increasing revenues (interest & non-interest Income) Improving productivity Retaining & growing core deposits Other (please specify) Question Title * 4. What methodologies are you using in your deposit pricing process? Select all that apply: Competitor rate analysis Funds flows & advanced BI reports Price-elasticity models Optimization – identify single product price at a time Optimization – identify rates across all products simultaneously Other (please specify) Question Title * 5. What tools does your organization use to govern & document the deposit rate setting process for future audits? Select all that apply: Pricing Committee Meeting minutes & deck stored in repository Approvals via emails Spreadsheets listing rate change information Automated software that captures actions during decision-making process N/A, we don't use tools for this Other (please specify) Question Title * 6. Where do you primarily expect revenue growth from next year? Select all that apply: Fee revenue & other non-interest income Interest revenue due to margin expansion Equal growth in interest & non-interest income Other (please specify) Question Title * 7. Regulations have severely impacted non-interest income. Are you using analytics to determine any of the following? Select all that apply: Fee assessment Fee waivers Fee reversals Cross-sell opportunities (e.g., opt-in for overdrafts, fee assessment) Other (please specify) Question Title * 8. What concerns you most about your bank’s risk level? Select all that apply: Credit risk Reputational risk Operational risk Fraud Other (please specify) Question Title * 9. How do you determine / adjust overdraft limits on deposit accounts? Select all that apply: All customers get the same limit Set at account opening Adjusted routinely Analytically driven approach based on customer behavior 3rd party system to determine appropriate limit Determined at the product level Other (please specify) Question Title * 10. Do you share deposit account information with other areas of the bank to enable more comprehensive, customer-level decisioning? Yes No Question Title * 11. Do you use risk/behavior scores for any of the following? Select all that apply: Account openings Overdraft line setting Fee waivers and refunds Check holds Other (please specify) Question Title * 12. How do you communicate with customers when their deposit accounts are at or near overdraft status? Select all that apply: No communication Note on online banking account Phone call Email SMS/Text Mobile app alert Other (please specify) Question Title * 13. How are cross-sell decisions managed to upsell other banking products to the core deposit account base? Select all that apply: Branch managers or tellers make all decisions Direct-to-consumer marketing campaigns (email/phone/mail) run on a regular basis Pre-calculated offers are provided to branch bankers who present to customers Other (please specify) Question Title * 14. How do you manage collection efforts on accounts that are in overdraft status? Internal collections staff No action is taken We outsource collection efforts to a 3rd party Question Title * 15. What methodologies are you using in your deposit pricing process? Select all that apply: Competitor rate analysis Funds flows & advanced BI reports Price-elasticity models Optimization – identify single product price at a time Optimization – identify rates across all products simultaneously Other (please specify) Question Title * 16. What is your functional title Question Title * 17. 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