Marketing

Build Relationships

Leading financial institutions across 40+ countries rely on Zafin’s cloud-native enterprise-wide platform to drive offers, products, packages and pricing that motivate profitable client behaviors and build relationships. The path to implementation for a Zafin solution is fully operationalized and highly predictable, with most phase one use-cases up and running in less than six months.

Customer Case Studies

Don’t take our word for it. Hear what customers have to say about how Zafin has transformed their business.

Create Innovative Packages to Deliver on Relationship Banking Positioning

Regional bank uses Zafin to deliver relationship benefits to key segments, driving balances, usage, cross-sell and customer satisfaction.

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Challenge

Bank of the West was proud of its position as a customer-centric and relationship-focused bank. However, the bank faced a number of challenges delivering on that promise.

Objective

To differentiate its value proposition from bigger more impersonal banks, Bank of the West sought a technology solution to execute innovative packages and relationship pricing.

Solution

Bank of the West used Zafin to deploy relationship packages for SMEs and create a program that rewarded and retained affluent customers with high deposit balances.

Result

The bank experienced a 25 percent increase in deposit balances, 36 percent increase in product usage, 600 percent lift in cross-sell metrics, plus other benefits.

Architect to Support Customers’ Life Goals

Digital bank launches multiple highly differentiated customer value propositions.

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Challenge

A Tier-1 bank was preparing to launch a new digital bank as part of its U.S. expansion strategy.

Objective

To differentiate its new digital bank, this Tier-1 bank planned to align its products and experiences with important customer life goals.

Solution

The bank leveraged Zafin’s Rates & Fees and Offers & Rewards products to support four unique digital experiences focused on deposit retention, a cash back credit card bundle, savings goals and merchant-funded rewards.

Result

The bank launched successfully with multiple highly differentiated customer value propositions.

Enable Market-Leading Customer Experiences

Tier-1 bank delivers personalization, proactive advice and end-to-end automation.

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Challenge

A Tier-1 bank could not compete with digital banks, fintechs and other non-banks, who were wooing away customers with new products, offers and experiences. The bank’s legacy core limited its range of products and experiences.

Objective

The bank embarked on a multi-year strategic transformation focused on creating market-leading customer experience and digital services as a means to compete and win in the market.

Solution

Leveraging Zafin’s platform, specifically Product Master, Rates & Fees and Offers & Rewards, as part of a cloud technology stack, the bank delivers digitally-enabled customer personalization, proactive advice and end-to-end automation.

Result

Driving major operational efficiencies, Zafin’s platform helped the bank rationalize 300 legacy products to less than 10, and 127 legacy lending structures to less than 10.

What's Possible

Respond to customer needs and competitive challenges at speed with products, prices and offers designed to serve existing customers, attract new ones and build your business. Consider the possibilities.

Incent Desired Customer Behaviors With Relationship Pricing and Targeted Offers

Define and execute highly targeted product, pricing and offer propositions designed to help drive desired banking behaviors.

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Challenge

Whether acquiring or retaining customers, increasing product penetration, growing deposits, driving primary banking relationships, or encouraging use of lower-cost digital channels, banks are looking to enhance the effectiveness of their product and pricing strategies, and campaigns.

Solution

Define and execute highly targeted product, pricing and offer propositions designed to help drive desired banking behaviors.

How It Works

Zafin's product and pricing platform monitors and tracks customer behaviors, including transactions, balances, product holdings and more, against terms and conditions associated with packages, bundles, offers and rewards programs. Based on pre-defined business rules, the platform executes rates, fees, bonuses, fee adjustments and waivers, loyalty points, miles and merchandise rewards automatically, while creating a comprehensive accurate data trail for audit and regulatory purposes.

Create Value-Added Bundles and Packages

Design and execute value-added packages to motivate key customer behaviors.

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Challenge

Traditional banks typically offer one-size-fits-all pricing tied to specific products, which fails to take into consideration what customers actually want and need, as well as the current and potential value of a customer’s relationship.

Solution

Design and execute value-added packages to motivate key customer behaviors.

How It Works

Use Zafin’s product and pricing platform to create offers, packages and bundles to meet the needs and expectations of targeted micro segments and motivate desired banking behaviors.

Enable Journey-Based Banking Experiences

Design relevant, personalized experiences inclusive of products, pricing, offers and services that respond to customers’ needs and aspirations around key aspects of their financial lives in journey form.

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Challenge

Emerging challengers to traditional banks architect their experience around key customer journeys, like buying a home or saving for retirement. Meanwhile, banks are burdened with legacy systems that silo products and inhibit creation and execution of coherent customer journeys.

Solution

Design relevant, personalized experiences inclusive of products, pricing, offers and services that respond to customers’ needs and aspirations around key aspects of their financial lives in journey form.

How It Works

Use Zafin's product and pricing platform as a critical enabling engine to deliver on key customer journeys. Dynamically deliver products, packages, pricing and offers utilizing a full range of customer and account attributes to deliver differentiated value propositions in real time, and execute them accurately down to a segment of one.

Related Resources

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