Why Product Potential Within the Existing Portfolio Becomes a Core Steering Lever For many banks, the greatest untapped value does not lie in new business—but within the existing customer base. Customers often use only a fraction of the relevant product portfolio, even though underlying demand already exists. What is missing is not data.It is the
Introduction: Why classic credit scoring is no longer enough Credit scoring has been a central steering instrument in banks and financial services for decades. It determines credit approvals, pricing, and risk classes—efficient, standardized, and embedded in regulatory frameworks. But the market environment has changed. Digital touchpoints, increasing willingness to switch, and new competitors are shifting
The insurance industry has discovered hyper-personalization. Data, triggers, contextual targeting – much of this works better today than ever before. Insurers use life events like getting a driver's license, buying a house, or starting a family to offer the right policy at the right moment. Yet in practice, personalization is often limited to a single