Banking and lending
Retail, commercial and specialist lenders retain Tacitude. Leadership, business units and functions open projects there on growth, pricing, distribution, the operating model and AI.
Interest rate cycles reshape the margin on deposits and loans, and capital requirements set how far each line of business can grow. Digital competitors and changing client habits press on branch networks and on the cost of serving each client.
Projects companies bring us
Should we enter SME lending in Portugal, and with which partner?
The credit risk we can underwrite there and the partner's access to small and mid-sized businesses.
EngagementMarket entry and growthHow should we reprice deposits as rates move while keeping our primary-account clients?
How sensitive each deposit segment is to rates, by client tenure and balance.
EngagementPricing and profitabilityWhich channel should originate our mortgages: brokers, branches or direct digital?
Acquisition cost and lifetime margin by channel, net of broker commissions.
EngagementGo-to-market and salesDo we run retail and business banking as one organization or two?
The clients and costs the two businesses share, and the decisions each one needs to take on its own.
EngagementOperating model and organizationWhere should we apply AI first: credit decisions, fraud detection or client servicing?
The volume of decisions in each process, the cost of an error and the data we already hold.
EngagementDigital and AI strategy
Example projects. Each engagement starts from your own objective or question.
Data your team typically brings
- Loan book and deposits by product and segment
- Pricing and margin history by product
- Client acquisition and attrition by channel
- Branch and operations costs
Bring us your project
Write to hello@tacitude.com with the project your company has in mind, and we will frame it with your team as an engagement.