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"Since working with Nomis Solutions our pricing team has achieved both strategic and operational benefits.
We continue to gain insights about our customers and our product performance, which we've used to advance our pricing practices and process."
Nomis Solutions materially improves the financial and operational performance of financial services companies. Leading banks and finance companies choose to work with Nomis Solutions for the following reasons:
- Most customers and experience
- Exclusive focus on financial services
- Best-in-class technology and science
- Pricing best practices and processes
- Fastest time-to-benefit
Below is a select list of banks and finance companies that use a best-in-class Pricing and Profitability Management approach enabled by our award winning solutions to achieve their goals.
- Santander

- AmeriCredit
- BMO Bank of Montreal
- Chrysler Financial
- Ford Motor Credit Company
- GE Money
- HBOS plc (part of the Lloyds Banking Group)
- Nationwide Building Society
- Royal Bank of Canada
- Skipton Building Society
- Yorkshire Building Society
FEATURED CUSTOMERS

SNAPSHOT
SantanderHeadquarters: London, UK
Customers: 18 million
($400 billion USD)
Customer Since: 2007
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- Santander is the sixth biggest bank and the second largest provider of mortgages and savings in the UK with assets of over £202 Billion
- Santander has a £3 Billion Consumer Loans Business
- Santander was acquired by Banco Santander, the seventh largest bank in the world, in 2004
- Learn more about how Santander is using the Nomis Price Optimizer
CUSTOMER PERSPECTIVE
“Pricing optimization enables banks and building societies to more effectively and efficiently price to meet their strategic business drivers in today’s unpredictable market. By understanding changes in consumer behaviour, competitor pricing, and the macroeconomic environment, they can price at a more targeted, micro-segment level.
I believe pricing optimization will become a standard business practice in the coming years. Just as credit scoring and risk-based pricing have become the norm, so too will pricing optimization.”
Paul Morrish, Managing Director, Succession Commercial Services and Former Head of Consumer Lending at Santander.
SNAPSHOT
AmeriCreditHeadquarters: Fort Worth, TX
Customers: Over 1 million
Assets: $18 billion
Customer since: 2007
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- AmeriCredit is the leading independent provider of full spectrum auto finance solutions for auto dealers and consumers
- AmeriCredit has a managed loan portfolio of $15.95 Billion
- AmeriCredit generated $8.5 Billion in origination volume in 2007
- View the AmeriCredit case study featured in FST Magazine
CUSTOMER PERSPECTIVE
"Working with Nomis Solutions, AmeriCredit generated $18 million in profitability within one year of using the Nomis Price Optimizer and projected $40 million over three years. The solution helped us improve our ability to execute on our pricing strategies and proactively manage the dynamic market."
Tom Schwartz, Former VP of Operations Analytics, AmeriCredit and pricing optimization expert
SNAPSHOT
Chrysler FinancialStandalone company with majority interest held by Cerberus Capital Management
Headquarters: Farmington Hills, MI
Established: 1964
Customer since: 2008
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- Chrysler Financial supports a global portfolio of $70 billion
- Chrysler Financial offers vehicle wholesale and retail financing to more than 3,500 Chrysler, Jeep and Dodge dealers
- Chrysler Financial employs more than 800 employees at its corporate headquarters
- Learn more about how Chrysler Financial is using the Nomis
Price Optimizer
CUSTOMER PERSPECTIVE
"A new, collaborative pricing model enables us to take a more proactive approach and use pricing strategically to drive performance. We chose to work with the Nomis Solutions team because of their proven track record and experience in pricing optimization as well as their solid understanding of the auto finance business."
Kelly Mankin, Vice President of Marketing
Chrysler Financial
Part of the Lloyds Banking Group
HBOS won the 'Best Use of IT in Retail Banking' at the 2006 Financial Sector Technology Forum for its use of Nomis Price Optimizer.
SNAPSHOT
HBOS plcHeadquarters: London, UK
Customers: 22 million
($988 billion USD)
Customer since: 2003
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- HBOS is one of Europe's top 10 banks and the third largest provider of Consumer Loans in the UK with assets of over £540 Billion
- HBOS has a $10 Billion Consumer Loans Business
- Learn more about Nomis Price Optimizer™ for Personal Lending
- Learn more about how HBOS is using the Nomis Price Optimizer
CUSTOMER PERSPECTIVE
"Since working with Nomis Solutions our pricing team has achieved both strategic and operational benefits.
We continue to gain insights about our customers and our product performance, which we've used to advance our pricing practices and process."
Alex Park, Senior Manager, Pricing
Halifax Bank of Scotland (HBOS)
SNAPSHOT
Nationwide Building SocietyFounded: 1884
Mutual status company
Headquarters: Swindon, England, UK
Customer Since 2008
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- Nationwide is the world's largest building society with over 14 million members, 19,00 employees and assets of over £186 billion
- Nationwide is a major provider of both mortgages and savings in the UK, as well as personal banking and commercial lending
- Nationwide wholly owns several subsidiary companies, including Derbyshire Building Society and Cheshire Building Society
- Learn more about how Nationwide is using the Nomis Portfolio Optimizer
CUSTOMER PERSPECTIVE
“We’ve partnered with Nomis Solutions to use a more customer-centric and tailored approach to pricing that will enable us to price our unsecured loans business appropriately and prudently. The Nomis Price Optimizer enables us to understand the impact of pricing on customer response and use that insight to make smarter pricing decisions in this difficult environment.”
Simon Beresford, Head of Consumer Lending
Nationwide Building Society

SNAPSHOT
Royal Bank of Canada
Headquarters: Toronto, ON
Customers: 15 million
Market Capitalization: $71.5 billion
Customer since 2007
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- Royal Bank of Canada is the largest bank in Canada as measured by assets and market capitalization, with assets of over $605 billion
- Royal Bank of Canada is one of North America's leading diversified financial services companies.
- Learn more about how RBC is using the Nomis Price Optimizer
CUSTOMER PERSPECTIVE
"The credit experience is very much a moment of truth. Getting that right is very important to us at RBC.
We are currently using the Nomis Price Optimizer for unsecured lines of credit, with plans to extend it to other lines of business including auto financing. Effective loan pricing supports our 'full relationship' banking model and by using analytic tools to dovetail our pricing and personal marketing strategies, we are able to understand where the customer sees value in the product."
Neil McLaughlin, Former Head of Consumer Lending
Royal Bank of Canada

SNAPSHOT
Skipton Building SocietyFounded: 1853
Mutual Organisation
Headquarters: Skipton, England, UK
Customer since 2008
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- Skipton is the UK’s sixth largest building society, with Assets of over £16bn
- Skipton has a national presence represented by its 84 branches, covering Aberdeen to Plymouth, and has over 600,000 customers
- An innovator in the field of mortgage and investment products, the Society stands apart from its counterparts as the parent to 19 subsidiary companies, many of which operate in the financial market.
- Learn more about how Skipton is using the Customer Portfolio Optimizer
CUSTOMER PERSPECTIVE
“The mortgages industry is experiencing unprecedented turmoil and our team has adopted a solution that helps us better manage the dynamic market and our customers’ changing needs.
By using the Customer Portfolio Optimizer, we have gained a better understanding of our customers and we use this insight to tailor optimal offers and contact strategies that better meet their needs. At the same time, the solution helps us meet our business objectives, risk thresholds, and performance goals.”
Rik Andrews, Mortgage Product Controller
Skipton Building Society
SNAPSHOT
Yorkshire Building Society
Founded 1864
Mutual status company
Headquarters: Bradford, West Yorkshire, England
Customer Since 2008
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- The Yorkshire Building Society is the third largest building society in the UK
- Total Assets: £20.5 billion
- Members: 1.9 Million
- Employees: 2,513
- Learn more about how Yorkshire is using the Customer Portfolio Optimizer.
CUSTOMER PERSPECTIVE
“We use the Customer Portfolio Optimizer to better tailor offers to our customers’ needs and to simultaneously meet the performance objectives of our mortgage portfolio. The solution helps us craft a more effective contact, offer and outreach strategy including the tone of the message, the communications channel, timing and sequencing of the offer to meet our customers’ needs.”
Karen Miller, senior product manager, Group Retention
Yorkshire Building Society


