San Bruno, CA (BUSINESS WIRE) 30 January 2012

Nomis Solutions, a leader in pricing and profitability management solutions for the financial industry, announced today that it signed 10 new customers in 2011. New customer wins in 2011 include major banks and finance companies in the United States, Canada, Great Britain, Europe and South Africa. Three major auto financiers Nomis decided to use technology to improve prices for retailers and consumers. Three banks use Nomis technology, the prices of consumer credit interest rates improve while using the Nomis Price Optimization two banks technology to optimize the deposit interest rates and the other two focus on the optimization of payment.

Frank Rohde, Nomis Solutions, President and CEO, commented: We are very satisfied with the attractiveness of the market and customer satisfaction enjoys seen in the last 12 months. We are now worldwide with more than 20 major banks and finance companies, including all of the top 5 banks in Canada, several top 10 U.S. banks and the market leader in the UK, Europe and South Africa. Altogether, our customers use the Nomis technology, for prizes totaling more than $ 76billion retail loans and deposits, set in 2011, a significant increase in profitability as a result of smart pricing. In addition to developing a price optimization software, the banks have received more than 24 million people Nomis result, the banking system Industrys only customer-level price sensitivity of the guests. Continued acceptance and expands on the Nomis technologies in retail banking is a demonstration for the optimization of the banks’ bottom lines in the area of ​​compressed net interest margins.

By 2012 we will be in the next six trends in the banking pricing, see:

? Deposit interest rates are still historically low level in the United States, Europe and Canada. However, many banks in the future pricing of technology investments are to gain deeper insights into customer price sensitivity and demand deposits. Nomis technology, including Nomis result can help banks improve, prices in today’s environment, additional basis points and the margin found, and more importantly, an analytical and optimization of the infrastructure necessary to meet the increasing interest for the years 2013-2014 to respond . establish

???? Mortgage and loan interest rates are still very competitive. The environment in very thin margins, the banks in price optimization technology investments to refine the segmentation of customer groups and at a lower price with the sensitivity of profits to be found to drive slowly. For the same time, lenders are still tightening the salesperson discretionary duty or fee reduction. Nomis technology is successfully installed to reduce the margin of a leak at the top, to optimize the prices of total lending and improve the balance to preserve and disseminate the portfolio of business during the re-pricing activity.

???? Credit card pricing strategies will continue to better understand the price sensitivity of consumers and product preferences a place to focus on the acquisition of growth focus will continue to increase. Issuers are increasingly investing in targeted pricing, how to change the acquisition of new customers the option of following the takeover, the price is always difficult following map is Act. Many banks are now using the preapproval Nomis risk score and response analytics their campaigns and the resulting price strategies have led to a significant improvement in profitability.

???? Car finance is still very competitive. Merchant boards are fast disappearing, replaced by a detailed and segmented pricing. At the same time, regulators began to be created to focus on dealer mark-ups by a number of service providers in the use of alternative pricing mechanisms. The key to successful pricing will continue to require auto-financing dealer detailed analytics and consumer price sensitivity, competitive returns and sophisticated segmentation analysis and optimization.

???? continued focus on the pricing of payment. In 2011, the focus of the banks’ current account fees. If the depressed margins through at least 2012, the banks come to the trade and financial contributions continue to focus with a loss of income. Successful banks need to understand consumer preferences and sensitivity to the level of charges to the customer before wholesale changes. With Nomis result we have only the client-level price sensitivity to help the guests, banks understand the impact of changes in fees prior to their implementation, presented without approval.

???? Customer value pricing of products is on the agenda of the leading retail banks. Although the banking crisis, the adoption of Customer Relationship Pricing has slowed approaches focus more and more banks on customer value pricing, the ability, the pricing of products on the total value of the customer-relationship-based optimization. Nomis Solutions Customer Value Pricing enables banks of all reality through the integration of pricing tactics, analytics and optimization of the same platform, the data layer, reporting framework, and by a single definition of customer price sensitivity and profitability. As the sole provider of price optimization technology on the banking, including mortgages, loans and lines, deposits, credit cards, payments and indirect financing Nomis has a unique position to make way for the banks to make compromises in the correct pricing of different products. About Nomis Solutions

Nomis Solutions enables best

-in-class Pricing and Profitability Management for financial companies. By combining advanced analytics, innovative technology and individual processes, pricing and profitability of banks ManagementTM suite enables executives to make smarter, data-driven decisions to harmonize the prices for the customer’s needs and business goals. Through proactive customer insights and the price sensitivity of demand, pricing and profitability management suite provides banking professionals the possibility to open and amount of the profit potential of their loan portfolio meets again the risks, financial and regulatory constraints.

Nomis Solutions, North America, based in San Bruno, California, with EMEA headquarters based in London. Visit http://www.nomissolutions.com or contact us at info (at) nomissolutions (dot) com or +1-650-588-9800 or +44 (0) 207 812 7251st

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Add business loan interest rates press releases

2011 · customers · demand · Doubles · Financial · Nomis · number · Optimization · price · services · solutions · strong

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Milford, CT (BUSINESS WIRE) 7 December 2011

Total Mortgage Services, LLC, a leading mortgage lender, announced today that it received a mortgage lender license in West Virginia West Virginia Division of Banking, and is capable of housing loans in the entire state of West Virginia are. Total Mortgage Lenders in West Virginia as a licensed mortgage lender and its 789th License ML 30

We believe we are on the market in West Virginia, a very useful time for the borrower, because mortgage interest rates near historic lows, and affordable housing across the country are available, said John Walsh, president of Total Mortgage. We are happy to help responsible borrowers the right mortgage solution for today’s demanding environment, the purchase or refinancing needs.

total mortgage has now been approved for 25 states and the District of Columbia and has applied for three additional state licenses.

Total Mortgage, which offers some of the lowest mortgage rates, jumbo loans, FHA-insured mortgages, 30-year fixed-rate mortgages and floating rate mortgages through retail and wholesale channels, in California, Colorado, Connecticut, Delaware, Florida, Georgia licensed, Illinois, Massachusetts, Maryland, Maine, Michigan, Mississippi, New Jersey, New York, New Hampshire, North Carolina, Ohio, Pennsylvania, Rhode Iceland, South Carolina, Tennessee, Texas, Vermont, Virginia, West Virginia and the District of Columbia.

you need to get up to the minute mortgage rates for residents of West Virginia on http://www.totalmortgage.com. Speak with an experienced and licensed loan officer please call 1-877-868-2509 or e-mail contact (at) total mortgage (dot) com.

About Total Mortgage Services, LLC

Total Mortgage Services, LLC, a provider of some of the lowest mortgage rates, a leading direct-consumer and wholesale mortgage bank. The company was founded in 1997, in Inc. Magazine “list of fastest growing companies in America in 2011 and 2010 and the Better Business Bureau ranking has been taken since 1997. Licensed in 25 states and the District of Columbia, offers a Total Mortgage variety of products and programs, such as fixed rate bonds, variable rate mortgages (arms), jumbo loans, FHA mortgages and more. In 2010 we launched a total of a wholesale mortgage platform TMS financing. Visit TotalMortgage.com current mortgage rates, FHA mortgage rates Jumbo mortgage rates, ARM rates and other mortgage interest. For more information, visit Total Mortgage http://www.totalmortgage.com.

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bank · license · Mortgage · receives · services · Total · Virginia · West