Quarterly Prescreened Loans Empower Account Holders and ... · Mobile Banking; Cross-sell Tool •...

Proprietary/Confiden0al©2016HarlandClarkeCorp.Allmarksarethepropertyoftheirrespec0veowners.Allrightsreserved.

Presenta0onmaterialsandvideoreplaywillbeprovidedwithinoneweek.Haveques0ons?Usethechatpanel–we’llfieldthemaswegoandduringtheQ&Arecapattheendofthecall

August17,2016

QuarterlyPrescreenedLoansEmpowerAccountHoldersandIncreaseLoanVolume

Today’sSpeakers

2

StephenieWilliamsSeniorMarketStrategist,LendingSolu0ons,HarlandClarke

●  20+yearsdirectmarke0ngexperienceinretailandfinancialservices

●  CRMandROIspecialist

DavidA.BuergerCo-FounderandPresident,CUneXusSolu0ons,Inc.

●  Award-winningfinancialservicesmarketerandstrategist●  Co-conceptualizedComprehensivePre-ScreenedLending(CPL)●  Launchedproductsuitethatgenerated$100+millioninconsumer

loansinthefirstninemonths

Today’sAgenda

●  Thechallengeofloanvolumeop0miza0on

● Howquarterlyprescreenedloansdrivehealthyloangrowth

●  Livedemo

3

HarlandClarke’sLoanMarkeGngEcosystem

4

SoluGon Target QualificaGons UniverseSize ResponseRate

LOANMARKETINGSOLUTIONS

LoanShopper Trigger Small VeryHigh

LoanEligible

QuarterlyPrescreenedforMulGpleProducts

Large High

LoanHolders RefinanceEligible Medium High

LoanEligible

CreditCriteriaorDemographicProxy Large Medium

ShopperAlert,LoanEngine,RefiGeniusandLoanMagnetaretrademarksofHarlandClarke.Allrightsreserved.

NewOpportuniGes/ExpandedCapabiliGes

●  Completemul0product,preselectedloansolu0on

●  Integratedrisk-basedpricingautoma0on,targe0ng,riskassessmentandcommunica0ons

●  Accessibleinsideonlinebanking●  Brandedapp

5

Fast,market-provenenginetodriveloanvolumeacrossproductcategories

©2016HarlandClarkeCorp.Allrightsreserved.

CreditQualifiedLoanGeneraGonAudiences

©2016HarlandClarkeCorp.Allrightsreserved.6

The segments delivering the greatest return are limited in size

3 Non-Shopping Account Holders

4 Non-Shopping Prospects

1 Shopping Account Holders

2 Shopping Prospects

3

2

4

5

5 Invitation-to-Apply Account Holders/

Prospects

1

ParadigmShiW

par·a·digmshienounnoun:paradigmshiW;pluralnoun:paradigmshiWsafundamentalchangeinapproachorunderlyingassump0ons.

7 ©2016HarlandClarkeCorp.Allrightsreserved.

ChangeinMarkeGngApproach

HistoricalApproachtoLoanMarkeGng

8

ClearlydefinedLoanoffers-  Producttypesapproved-  Specific-  loanamounts

NewApproachtoLoanMarkeGng


Limitedproductoffers

All loan product types

supported

Consumer choice

marketing

> > >

GrowVolumeAcrossYourEnGrePorZolioWithQuarterlyPrescreenedLoans

9

●  Quarterlyprescreenedloanoffersfor:●  Homeequity●  Auto●  Creditcard●  Personalloans

●  Uniquemul0productdecisionenginereachespreselectedaccountholdersateverytouchpoint●  Directmail●  Email●  Onlinebanking(brandedapp)●  Mobile●  Callcenter●  Tellerline

●  Integratedrisk-basedpricingautoma0onandriskassessment

1 3

EmpowerYourAccountHoldersWithQuarterlyPrescreenedLoans


BenefitWhileOfferingtheUlGmateConsumerLendingExperience

ForFinancialInsGtuGons

●  Growstheloanpormolio●  Reducesloanacquisi0oncosts●  Streamlinesloanprocess

●  Delivers12monthsofLoanCampaignsthroughaturnkeyprocess

●  Increasescampaignreturnonmarke0nginvestment(ROMI)

ForAccountHolders

●  Nomoreloanapplica0ons

●  Preselected,perpetualapproval●  Quick,easyloanaccess,reviewandacceptance


HowLoanEngineWorks

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Financialins0tu0onaccountholders

Quarterlycredit

prescreen

Assignaddi0onalcreditproductpreapprovalsbasedoncreditprofile

andcurrentproductownership

Communicatecreditpreapprovalsatall

touchpoints

Convertpreselectedleadstofundedloans

Campaignanalysis

©2016HarlandClarkeCorp.Allrightsreserved.©2016CUneXusSolu0onsInc.Allrightsreserved.

BeginWithPrescreeningYourAccountHolders

13

DefaultOfferQualified

QualifiedOffer2

Defaultcreditofferstrategyqualifiesthemostaccountholderspossibleforaddi0onalloans

QualifiedOffer3

QualifiedOffer4

Source:HarlandClarkepreselectedcreditmarke0ngdata

Onaverage30–35%ofaccountholderswillpasscriteriaforthedefaultoffer

AutolendingcriteriabestpracGcefordefault


DirectMailandEmailMarkeGng

14

Youcanchooseanyoneoftheloansbelow.Sowhateverbigpurchaseyou’vewantedtomake—now’sthe0me!Andwithyourpreapprovedstatus,you’reonestepclosertohavingwhatyouwant—withnoneedtofilloutanaddiGonalapplicaGon!

PLEASENOTE:Youhavebeenpreapprovedforyourchoiceofoneoftheaboveoffers.Ifyouwouldliketotakeadvantageofmorethanoneoffer,orwouldliketorequestmorethanyourapprovedamount,pleasecontactus.Afullapplica0onmayberequired.Seereversefordetails.

CHOOSE ONE of the offers below.


OnlineBankingSSOInterface

15

One-ClickAccesstoPrescreenedLoanOffers

Addi0onalcredittermsandcondi0onsapplyincludingincomeverifica0on.


MobileLoanAcceptanceIsEasyas1-2-3


1 2 3

AccesstoOffersforFront-lineSalesTeam


> > > LiveDemonstraGon

18

©2016HarlandClarkeCorp.LoanEngineisatrademarkofHarlandClarke.Allrightsreserved.

C A S E S T U D Y

19

•  18,750AccountHoldersWithPre-Approvals

•  ProductsPromoted:•  AutoLoans•  ATVLoans•  PersonalLoans•  Pla0numCreditCard•  SnowMachineLoans

•  BookedLoanRate 1.83%

•  CostPerBookedLoan(excludingsetup) $82

•  Avg.BalancePerBookedLoan $16,884

•  TotalBalancesGenerated $5,791,245

•  CampaignDura0on 30Days

•  ChannelsImplemented Directmail;Email

$977MMFinancialInsGtuGon–57,000AccountHolders

Source:HarlandClarkeclientdata(C1C1)Manyvariablesimpactcampaignsuccess.Theinforma0ononearningsorpercentageincreasescontainedwithinthiscasestudyisprovidedfordemonstra0vepurposesonly.HarlandClarkedoesnotguaranteeorwarrantearningsorapar0cularlevelofsuccesswithacampaign.

876%ROMI


C A S E S T U D Y

20

•  10,733AccountHoldersWithPre-Approvals

•  ProductsPromoted:•  NewandUsedAutoLoans•  CreditCard•  PersonalLoan

•  ResponseRate 4.20%


•  CostPerBookedLoan(excludingsetup) $64


•  TotalBalancesGenerated $5,665,959

•  CampaignDura0on 90Days

•  ChannelsImplemented Directmail;Email,&OnlineBanking

•  %ofRedemp0onsfromOnlineBanking 35%


Source:HarlandClarkeclientdata(C1CPF)Manyvariablesimpactcampaignsuccess.Theinforma0ononearningsorpercentageincreasescontainedwithinthiscasestudyisprovidedfordemonstra0vepurposesonly.HarlandClarkedoesnotguaranteeorwarrantearningsorapar0cularlevelofsuccesswithacampaign.

1151%ROMI

•  16,255AccountHoldersWithPre-Approvals•  ProductsPromoted

•  NewandUsedAutoLoans•  NewandUsedRV/TravelTrailerLoans•  NewandUsedBoat&WatercraeLoans•  NewandUsedMotorcycleLoans•  PersonalLoans•  PersonalLinesofCredit

•  ResponseRate 4.72%


•  BookingRate 78%

•  CostPerBookedLoan(excludingsetup) $68•  TotalBalancesGenerated $9,422,245


•  CampaignDura0on 90days

•  ChannelsImplemented Directmail(2drops);Email;OnlineBanking; MobileBanking;Cross-sellTool

•  %ofRedemp0onsfromOnline&MobileBanking 28%

Source:HarlandClarkeclientdata(C3LAP)Manyvariablesimpactcampaignsuccess.Theinforma0ononearningsorpercentageincreasescontainedwithinthiscasestudyisprovidedfordemonstra0vepurposesonly.HarlandClarkedoesnotguaranteeorwarrantearningsorapar0cularlevelofsuccesswithacampaign.


743%ROMI


C A S E S T U D Y

21

Q&AWrapUp

TypeyourquesGoninthechatpanel

DavidA.BuergerCo-FounderandPresident,CUneXusSolu0ons,Inc.StephenieWilliamsSeniorMarketStrategist,LendingSolu0ons,HarlandClarke

PresentaGonmaterialsandvideoreplaywillbeprovidedwithinoneweek.Visitharlandclarke.com/webcastsforthisandpreviousevents.

harlandclarke.com/LinkedIn

harlandclarke.com/Twiuer

www.harlandclarke.com/webcasts

22

ThankYou

Quarterly Prescreened Loans Empower Account Holders and ... · Mobile Banking; Cross-sell Tool •...

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