The Nomis Narratives

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Price Optimization

Finding the Right Fit: Navigating the Business Banking Pricing Spectrum

Jun 5, 2025

Business banking has always lived in the gray area between consumer and commercial. It’s a “tweener” segment that is often underserved not because of lack of opportunity, but because of the operational and economic complexity it introduces. Every...

AI, Executive Recap

Executive Recap: Key Takeaways from FIS Emerald 2025 by Wes West, Nomis Chief Analytics Officer

May 29, 2025

Shaping the Future of Banking with AI Standing before the audience at FIS Emerald 2025, I felt a sense of shared curiosity and urgency. AI isn’t just a buzzword anymore. It’s a tool we, as an industry, are learning to wield to solve real-world...

Pricing Analytics, Deposits, AI

AI-Augmented Flow of Funds: A Smarter Approach to Deposit Strategy

May 14, 2025

One of the reasons the banking industry is fascinating is the disconnect between its reputation and its reality. Banks are widely seen as sleepy, old institutions that sit atop 40-year-old tech stacks while comfortably running the trusty ol’ 3-6-3...

Pricing Analytics, Deposits

One Size Doesn’t Fit All: Rethinking Consumer vs. Commercial Deposit Analytics

May 1, 2025

When financial institutions turn to outside vendors or consultants for deposit analytics solutions, they’re often met with strategies that treat consumer and commercial deposits as two sides of the same coin. But this assumption reveals a critical...

Lessons from the U.S. Auto Market on Risk-Adjusted Profitability and Pricing

Jan 28, 2025

The U.S. auto market is undergoing significant transformations, driven by rising vehicle prices, longer loan terms, and increasing levels of negative equity. These trends have introduced new complexities for lenders, particularly when it comes to...

Mortgage, Price Optimization, Intelligent Pricing, Pricing Analytics

Insights from the Canadian Mortgage Market on Customer Behaviors

Jan 21, 2025

The Canadian mortgage market provides a fascinating lens through which to examine customer behaviors in response to fluctuating interest rates. Unlike the United States, where long-term fixed-rate mortgages dominate, Canadian mortgages often feature...

Pricing Analytics, Deposits

U.S. Deposits and the Critical Lessons on Deposit Betas

Jan 13, 2025

In the unpredictable world of interest rate changes, understanding and managing deposit betas is crucial for financial institutions aiming to maintain profitability and competitiveness. However, as lessons from the U.S. deposit market reveal,...

Retail Banking, Price Optimization, Pricing Analytics

Managing Change in Pricing Strategies: Addressing the Human Element

Dec 13, 2024

This is the third installment in our article series exploring the Nomis November 14 discussion on pricing challenges in a falling rate environment. In the first two articles, we examined lessons from historical rate changes and the reevaluation of...

Price Optimization, Pricing Analytics

Reevaluating Risk Scoring in a New Pricing Landscape

Dec 5, 2024

This is the second installment in our article series diving deep into the Nomis November 14 discussion on pricing challenges in a falling rate environment. In the first article, Navigating Pricing Challenges in a Falling Rate Environment: Lessons...

Pricing Analytics

Navigating Pricing Challenges in a Falling Rate Environment: Lessons from the Past

Nov 26, 2024

On November 14, Nomis executives came together to delve into the complexities of pricing strategies in the context of today’s falling rate environment. This gathering shed light on how historical trends inform current strategies and how financial...