RPM's MarketBank system helps determine the needs of a community for specific financial products and services. It also estimates the expected product-by-product profitability of such a community. To predict community needs, the system projects the Federal Reserve's Survey Of Consumer Finances to a given community population, as defined by demographic estimates and projections from top vendors such as Equifax and Claritas. To predict expected profitability, the result is then filtered through a financial module that is an enhanced, customized version of the Fed's own Functional Cost Analysis.
To see an example of MarketBank in action, click here
Profit Analyst is RPM's profitability analysis software for community banks and credit unions. It has enough power and muscle to satisfy the financial analyst, and is easy enough to use for the rest of us.
Click here to learn more about Profit Analyst.
The Research, Evaluation & Analysis Of Community Health (REACH) system works much like MarketBank. To predict community needs, REACH projects the National Health Interview and other high quality survey data to a given community population as defined by Claritas and/or Equifax demographic estimates and projections. To predict expected profitability, the result is then filtered through a proprietary financial model.
Financial institutions whose systems cannot recognize a customer's complete relationship in turn cannot address and serve that relationship properly. While "householding" systems such as Customer Insight Company's (CIC) Customer Insight and state-of-the-art Analytics systems are terrific solutions, many community institutions and credit unions cannot afford the implementation and maintenance costs of such a system -- or to pay experts to run it. RPM is specially trained and accredited by CIC to make it easy and profitable for these institutions to enjoy the benefits of having their own MCIF, by providing special processing services, expertise and applications solutions under the Insight Partners program.
Be sure to visit MCIF Central to learn more about customer information file systems.
Nothing communicates data as well as a map does -- and maps also reveal spatial patterns behind the data that can be revealed in no other way. Perhaps most importantly, the GIS systems behind the maps provide the strategic framework and platform for systems integration that is becoming increasingly mission-critical in many industries. Retail Profit Management provides a full range of Atlas GIS-based solutions. These solutions range widely from high-end custom systems to simple out-of-the-box solutions.
Be sure to visit Atlas Place, your place on the Web for all things Atlas.
Most financial institutions see compliance activities under the Community Reinvestment Act (CRA) and Home Mortgage Disclosure Act (HMDA) to be burdensome and confusing. RPM specializes in showing such institutions why Bank Of America and other leading institutions (and RPM clients) see these compliance activities as profit centers. We help clients supply what is required by the letter of the law, and help them to turn compliance activities into marketing investments, the return on which is measured and tracked.
CRA: Step-By-Step, A Marketing Compliance Guide authored by the RPM principals, was published by the Financial Institutions Marketing Association in 1993. A follow-up monograph covering "the new CRA" is currently being prepared.
RPM provides consulting services to help clients achieve their goals in the areas of mapping and spatial analysis; member, customer and patient satisfaction research; financial analysis; site location and network analysis; community needs ascertainment; and a variety of specialized projects.
RPM offers several specialty data products for use by financial services and healthcare providers.
RPM offers output from its MarketBank system in the form of market potential data. MarketBank Market Potential Data is created by projecting the usage of financial products from the Federal Reserve Board’s Survey of Consumer Finances to a given market population based on Census geography. The result is filtered through an enhanced Functional Cost Analysis to produce the profitability indices. These datasets provide product-by-product market potential and profitability indices for retail banking products, and are available for both small area and large area geographies. The data is suitable for use in any GIS, customer information file or desktop marketing system.
The BBPL is a value-added database of financial institution point locations. The dataset is based on Summary of Deposit reports made to the FDIC by depository institutions. Three years of trend data are available for every bank branch in the US, each represented by a carefully cleaned and geocoded record. It is one of the only datasets of its type to include history on the locations, including mergers and acquisitions, to support more accurate forecasting of future growth. This data is suitable for use in any GIS or desktop marketing system.
Greenlines are Census Tract Boundary files that are themed by tract income for purposes of CRA and Fair Lending compliance. They offer an easy and powerful, at-a-glance visualization of which tracts are CRA-sensitive, and are available under regulator-specific definitions of Low and Moderate income. This allows an institution to easily review, effectively present, and ultimately increase its activity in low and moderate income neighborhoods. This data is available in ArcView (SHP) and Atlas GIS (AGF) formats.
The Morbidity and Mortality estimates comprising the MMDB are based on unique hospital discharge records combined with, and matched to, death certificate records. Matching is performed both geographically (by 5 digit zip code) and by cause of death/primary diagnosis at the three digit ICD-9 level. The result is the estimated prevalence of disease by ICD-9 or MDC by 5 digit zip code.
Health Care Facilities provides point locations and operational information for Hospitals, Long-term Care Facilities, Primary Care Clinics, and Specialty Care Clinics. The file can be used directly in Atlas GIS or ArcView to map hospitals, and can also be optionally used to establish cachement areas by combining it with hospital discharge data.
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