Seven Billion Banks

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About the author:
FRANK H BRIA is a leading authority in using data and analytics to improve the customer experience in retail banking.
Frank started his career using data and analytics in the financial services industry. He has built statistical models for banks including risk, market response, price sensitivity, and customer satisfaction. He has designed and implemented many internal processes at banks around the world to leverage data and analytics in a more intelligent and profitable way.
He has also served as an industry analyst with CEB TowerGroup covering banking analytics where he has spoken at multiple industry conferences on the topic of banking analytics. In addition, he has consulted with banks in North America, Europe, Asia, and Africa on their customer-facing strategies while working with software vendors such as Khimetrics, Response Analytics, and Earnix. He is considered one of the industry pioneers in the use of optimization for pricing retail banking products, having conducted some of the first pilots and implementations in the industry.
Frank resides with his wife and three daughters in Phoenix, Arizona. When he is not traveling to meet with banks and banking vendors to help them plan for the future of the industry, he enjoys the desert outdoors of Arizona often hiking, camping, and hunting. He also has an interest in foreign languages.
Learn more about Frank at

Seven Billion Banks

How a Personalized Banking Experience Will Save the Industry

Authored by Frank H Bria

Fresh from the global credit crisis, the banking industry is finding its way back. But customers have changed their expectations and alternative financial service providers are making inroads. No longer can banks simply be the place where money moves back and forth.

To survive as an industry, banks need to come up with a new business model - one that achieves a unique value proposition for each and every one of their customers. That new model needs to address three big mistakes banks make today. Banks are:
- too impersonal,
- too late, and
- too short-sighted.

Each of these flaws can be addressed with technology and analytics. Banks that put an emphasis on convenience, value, and long-term profitability will find themselves at a competitive advantage. That new business model represents the bank of the future. Those banks will be built on three pillars:
- banking as mobile as the customer,
- responding with the next best action for each customer, and
- creating innovative financial products.

Frank H Bria, leading authority on the use of data and analytics in retail banking, lays out the problems facing banks today and the solutions that will restore value in the banking relationship. He answers the who, what, where, when, and why of creating personalized, valuable banking experiences. Any banking executive who is looking for a road map leading to the bank of the future would be well-served by the concepts in the book.

Begin the journey of transforming status quo banking into an industry that serves each customer the way they need - and in a way that is profitable. Uniquely crafting a banking experience for each and every person on the planet, creating seven billion banks.

Publication Date:
0985725435 / 9780985725433
Page Count:
Binding Type:
US Trade Paper
Trim Size:
5" x 8"
Black and White
Related Categories:
Business & Economics / Banks & Banking

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