Competitive Difference

Market Line Associates is the perfect blend of Strategic Analytical Services and Leveraged Technology. Market Line’s success and competitive difference is derived from 5 primary building blocks.

With over 90 years of combined financial and technological backgrounds, our team has been crafting solutions that improve performance for over 30 years. Our Strategic Analytical Services team is comprised of seasoned veterans from the financial services industry each with extensive knowledge on the important components of account-level and customer profitability. Market Line has differentiated itself by focusing on both the strategy and the implementation. All of our clients walk away with the answer to their initial question as well as the means to answer future questions.

Profitability is a basic concept – income less expenses. The key to using profitability as a metric is to isolate the components of the calculation that showcase the drivers of both sides of the equation. Once that is done, you can target your efforts on the components you can influence. These efforts include product design, customer rewards, segmentation, sales tactics and much more. And all of it can be accomplished by making sure you focus on the details and understand the financial impact they provide. This is a key strength that Market Line brings to the table.

This concept may be the most important component of all. When using profitability as a metric, by design you are repeating the process over time in a production context. Things can go wrong, so it is essential that your processes be thorough, complete and exhaustive. In this manner nothing falls through the cracks, problems are highlighted before they can negatively impact the calculation and swift decisions and/or modifications can be made. The transparency of Market Line’s process is unmatched in the industry.

Whether it be a strategic analysis or a technological solution, the ability to fine-tune the project to your specifics is essential. Each financial institution brings its unique set of resource limitations, data deficiencies, timing challenges as well as desired outputs to every project. Market Line Associates has made a science of solving the problems, providing interim solutions and processes while delivering the desired outputs. Most importantly, once you understand the “art of the possible” the outputs can be tailor made to address the constantly changing set of requirements.

Many projects fail because of scope creep. Profitability can be used in many ways to attack the challenges that each financial institution faces. Success rests on understanding up-front how you want to use the information. What questions are you trying to answer? What behaviors are you trying to influence? Knowing the objectives in advance assures that the Detail Orientation, the Data Stewardship and the Customization all work together. That means when you finish your first round of production, you will already have the outputs to answer your questions. Importantly, you can then fine tune your abilities to leverage profitability to improve your performance.