Journey Technology Solutions

Journey's Insight 2 Action (I2A) Enables Community Banks by enriching management reporting (i.e. board reporting, daily management, CRA, CECL, scorecards and peer analysis) and by embedded profitability analytics used to understand customer's behavior. Journey’s cloud based I2A is delivered in a serviced model as Journey is the bank’s data scientist. Opportunities are unearthed, modeled and tracked in campaign(s). Risk assessment includes suspicious transactions, management exceptions and attrition analysis. Profitability segmentation includes markets, customers, households, products, officers, age and channels. I2A customers also use database aggregation (e.g. trust, mortgage) which extends the analytics capabilities described above for total customer behavioral analysis. I2A Relationship Pricing is a sales tool leveraging I2A profitability to provide a definitive customer ROE/profit starting point. The customer impact of incremental deposit and loans are then modeled using a curve and product costs. Journey customers leverage best practices and Journey’s extensive dashboard library containing the collective wisdom of community banks.