Abstract We show that banks cross-sell future deposits and loans to existing household depositors. A bank is 20-percentage-points more likely sell a loan an depositor than otherwise comparable household. Existing depositors pay premium when borrowing, we find no indication obtain informational advantage on such borrowers, suggesting the cross-selling driven by demand supply complementarities. T...

In today’s lending environment, cross-sell has become a way of life for most consumer lenders. Moving from a silo-product mentality to a consultative selling approach to help the customer with a variety of needs has resulted in a proliferation of cross-sell initiatives. While crosssell efforts appear widespread, many bankers and lenders are not effectively executing, which results in low cross-...

The rapid growth in information science and technology has lead to generation of huge amount of valuable data in many areas. In finance for example, over the past five years, many banks have experienced exceptional growth in service and have built up bank’s Group Data Warehouse. In order to realize faster, more effective decisions and provide more excellent customer services, new technologies t...

Research referring to e-Banking portals has often been conducted focusing on acceptance and usage of private customers. The customer group of small and medium enterprises (SME) was only rarely an object of investigation. Especially SMEs are a difficult group for banks to be profitable in. An obvious trend in this context is the strategy of banks to increase profits by improving cross-selling fi...

We examine how short selling affects the accuracy of default prediction models. Our results indicate that a dynamic multiperiod logit model accurately predicts 18 percentage points more actual occurrences of default in countries where short-selling is widely practiced. Moreover, our analyses indicate that short selling has virtually no impact on the proportion of inaccurately classified non-def...

Tingkat persaingan yang tinggi dalam dunia bisnis, membuat HPAI harus melakukan strategi kuat pemasaran dan penjualan produk. Semakin hari, data transaksi semakin banyak, dikarenakan ada 1500 setiap bulan terdiri dari 49 Selama ini, dilaporkan kepada pimpinan kemudian diarsipkan. Setelah itu, tersebut tidak diolah dengan benar. Untuk itu diperlukannya sebuah bisnis untuk dapat mengenal pelangga...

We examine how constraints on pessimistic trading affect the ability to assess a firm’s likelihood of default using publicly available sources of information. Using cross-country differences in short selling as our primary empirical proxy for the ability of market participants to trade pessimistically, our results indicate that a dynamic multiperiod logit model accurately predicts 18 percentage...