发帖
雷达卡
信用卡定价创新
The case for value-based pricing
基于价值的定价案例
What can banks do to create more value for credit card customers? Consider innovating their pricing strategies. Our latest research reveals some clear advantages to adopting a value-based approach to pricing, and tips for getting started.
银行如何才能为信用卡客户创造更多价值？考虑创新他们的定价策略。我们最新的研究揭示了采用基于价值的定价方法的一些明显的优势，以及入门技巧。
Banks have invested heavily in efforts to improve the customer experience, but most have done little to innovate their pricing strategies. Are they missing out on an opportunity? Our latest research reveals some clear advantages to adopting a value-based approach to pricing—and tips for getting started.
银行在改善客户体验方面投入了大量资金，但大多数银行在创新定价策略方面却收效甚微。他们错过了一个机会吗？我们最新的研究揭示了采用基于价值的定价方法的一些明显优势和入门技巧。
"Price is what you pay. Value is what you get."
“价格就是你付出的。价值就是你得到的。”
— Warren Buffet
-沃伦自助餐
WITH all the talk of disruption and innovation in retail banking today, one topic does not get the attention it deserves: strategic pricing. Bankers rarely discuss pricing innovation as a tool for competitive differentiation and raising profitability. This report will argue why they should, and how.
如今，零售银行业中关于颠覆和创新的话题层出不穷，但有一个话题却没有得到应有的关注：战略定价。银行家们很少讨论将定价创新作为竞争差异化和提高盈利能力的工具。这份报告将讨论他们为什么应该这样做，以及如何这样做。
In the past decade, pricing in banking has captured attention for all the wrong reasons, inviting intense regulatory and public scrutiny. Faced with new regulations on product structures (for example, qualified mortgages), fee income (for example, the CARD Act2 or the Durbin Amendment), and capital and liquidity standards (for example, Basel III), banks have generally reacted by modifying their pricing tactics to focus more on costs and risks (see figure 1).
在过去的十年里，银行业的定价以各种错误的理由吸引了人们的注意，引起了监管部门和公众的强烈关注。面对有关产品结构（例如，合格抵押贷款）、手续费收入（例如，《信用卡法案2》或《杜宾修正案》）以及资本和流动性标准（例如，巴塞尔协议III）的新规定，银行通常会做出反应，修改定价策略，将更多精力放在成本和风险上（见图1）。
DUP_Pricing-innovation-retail-banking.pdf
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