Client story: How AQOPTIMIZER elevated
a bank to the next level
BACKGROUND
A mid-sized Danish bank faced familiar industry challenges: fragmented data, inconsistent pricing across advisors, manual and time-consuming assessments, and limited ability to apply riskaligned return targets. After seven years with an internally developed pricing tool, the bank wanted to advance to truly individualized, riskbased, and data-driven pricing - and therefore chose AQOPTIMIZER.
SMOOTH ONBOARDING & STRONG COLLABORATION
From day one, the bank experienced exceptional service and a highly collaborative implementation process:
“From gaining access to AQOPTIMIZER through to implementation with end users, we have experienced a very high service level, with quick responses, good sparring, and strong willingness to adapt the system to the bank’s needs.”
A LEAP FORWARD IN PRICING, SIMULATION & REPORTING
AQOPTIMIZER enabled a significant step forward in sophisticated pricing practices:
“After using a pricing tool for 7 years that helped move the bank’s understanding of pricing, AQOPTIMIZER can take us to the next level, with opportunities for individualization, simulation, and reporting.”
MAJOR EFFICIENCY GAINS & HIGH USER SATISFACTION
One of the most visible improvements was the dramatic reduction in time spent per customer assessment:
“By switching to AQOPTIMIZER, we reduced time spent per customer evaluation and pricing by a factor of 12contributing to high user satisfaction and highly efficient implementation and optimization.”
EXPANSION FROM CORPORATE TO RETAIL: FAST ADOPTION
After two successful years in corporate banking, the bank extended AQOPTIMIZER to private customersdespite initial doubts about whether it would be efficient enough:
“Within less than 3 months from project start to finish, ALL advisors were active users as a natural part of their daily workflow, without spending more time than before.”
STRONG SUPPORT & RAPID ENHANCEMENTS
Throughout the expansion, the AQRISK support team played a crucial role in ensuring a strong user experience:
“We received great help from AQRISK support, who responded quickly and made improvements we found necessary we can highly recommend the collaboration.”
CLEAR FINANCIAL IMPACT WITHIN THREE MONTHS
The financial effect was noticeable almost immediately:
“Within 3 months of implementing AQOPTIMIZER, we saw clear increases in returns, higher earnings from balance 2 exposures, and more capital-relieving collateral. When advisors gain insight, they act - and the bottom line improves immediately.”
RESULTS
The bank now benefits from:
ORGANIZATION IMPROVEMENTS BEYOND PRICING
The tool also created positive ripple effects across the organization:
“Beyond being intuitive for advisors, the system increases focus on data quality and the consequences of decisions in various staff units. It provides a better basis for decisions and daily insight into the business.”
ROI
4-8 months
> Fully risk-based, individualized pricing
> Faster and more consistent advisor processes
> Improved data quality and cross-organizational decision-making
> Documented increases in profitability and risk-adjusted returns
> High user satisfaction in both frontline and specialist functions
AQOPTIMIZER has become a foundational component in the bank’s commercial and risk management operations - far more than just a tool.
AQRISK Banking Solutions
> Kompagnistræde 10, Copenhagen - DK
> Platz der Einheit 2, Frankfurt - DE www.aqrisk.com
Schedule demo > er@aqrisk.com > +45 31328848 Contact