Turning Volumes of Banking Data into Actionable Intelligence.

Available on: Web

A Bank’s Best Friend

Capitalytics is a web-based service that helps banks and other financial services increase their knowledge and improve profits within their marketplaces. Capitalytics does this by mining both public and proprietary bank data and then providing easily-accessible conclusions on current market trends and positions; predictions of local, regional and national markets; and actionable advice to increase profits and reduce appropriate financial risks.

The Run Down

Every bank wants to maximize profits, while saving time and money, and Capitalytics provides simple and cost-effective services that can help achieve this objective. Capitalytics’ automated, in-depth research, powered by their proprietary technology, can:

• Identify growing and declining markets in the US by zip code, county, state, or region;
• Identify and locate comparable banks based on executed business models;
• Anticipate market trends and the impact of inflation, unemployment, and other macro-economic factors on a client bank’s business;
• Quantify the profit per product, per client, and per region for a client bank;
• Help a client banker understand the trends that drive their borrowers, and when the risks on assets that are in arrears dictate that a banks should divest themselves of those assets;
• Generate strategic advice for a client bank’s senior management and Board of Directors for maximizing their profits and managing their risks based on the bank’s offered products, markets, investments and portfolio; and
• Monitor, as a means to manage on a day-to-day basis, per-employee profitability.

All of the information above is available to subscribing clients through Capitalytics’ web site, and is tailored based on the client bank’s needs and culture. The goal of Capitalytics is to provide financial service providers and banks with otherwise unavailable knowledge while ensuring the security of their sensitive and proprietary data.

The Role of Geography and Geocoding

Texas A&M Geocoding makes it possible for Capitalytics to quickly and affordably obtain accurate geographic data for use in their reports and analyses. Much of the valuable data provided by Capitalytics revolves around geographic knowledge, including (as examples):

• The number and amounts of specific bank products held by account-holders in a geographic area;
• Census data and trends related to the demographic composition of an area;
• Loan defaults within an area; and
• The correlation of home, work, and bank branch office locations as an indicator of value of brick-and-mortar branch offices.

The geographic knowledge component of these issues and others can be satisfied by the availability of Texas A&M Geoservices, and, without their services, providing these answers would not be feasible for Capitalytics. In these cases, and many others, the data provided by Texas A&M Geoservices based on an account-holder’s street address is an invaluable piece of the puzzle. By using Texas A&M Geoservices to translate street addresses into corresponding latitudes, longitudes, and over one hundred other pieces of information, Capitalytics can automatically create profiles of specific regions, correct erroneous or fraudulent entries, and provide analyses that keep client banks competitive.

Results

• Easy-to-use and valuable web service for banks and financial service providers
• Straightforward geographic analysis of bank accounts and account holders that focuses marketing efforts for client banks and financial service providers
• Easily visualized maps for illustrating market trends, and related actionable advice for client banks and financial service providers
• Example that geography, especially geocoding, can be a vital part of a wide variety of applications

Related documentation

• Geocoding