With new customer acquisition costs spiraling out of control and nimble competitors trying to pick off profitable portions of your portfolios, there’s never been a more critical time to invest in customer management.

What are the top four areas of tactical concern within consumer banking that bank executives will make significant progress addressing in 2019?

IFRS 9 changes the accounting recognition of loan impairment from an “incurred” to an “expected” loss basis, requiring new predictive models that bring the worlds of accounting and credit risk modelling ever closer together.