Solid Information for Sound Management

The card payment industry has long invested in analytics as a way to improve business. The challenges are that not all of these investments provide an effective return. Keith has the ability to help organizations understand how to harness, improve, and broaden the adoption of analytics for optimal business performance. His knowledge and experience in the industry is compelling. He has deep insights into all facets of the card payment industry coupled with a broad technology background. The rare combination of these skills is a highly valuable asset for organizations seeking to gain competitive advantages.

We have worked closely with Keith through the years in various capacities including as a customer, an advisor and now a partner. With increasing pressures on the economy and changing regulations, the importance of analytics to card issuers has taken on even greater value in the marketplace today. Keith has immense respect in the industry and his expertise in the realm of analytics is superior. Overall, our partnership with CX Analytics continuously proves that it helps us turn information into meaningful and actionable data for our clients.

Credit card companies, now more than ever, should be driven by a deep understanding of customer behavior – using true analysis of behavioral patterns versus simple theories. Successful credit card companies will be able to both mine and effectively assess customer specific data ultimately leading to better profitability. CX-Analytics is focused on providing these credit card companies a way to get the information they need from their data.

Keith’s expertise in the industry ensures an effective product. He is the most knowledgeable credit card executive I have ever met or dealt with. He understands all aspects of the industry — not just the marketing and analytics side of the business, but the operations side as well (i.e. collections). This in-depth knowledge is very rare and very impressive.

What strikes me the most about Keith is his ability to bring together a detailed understanding of the card business and make it translate into systems, technologies, and processes. He was at the forefront of using analytics to enhance performance in the card business helping to improve areas like risk, fraud, and pricing. What I found to be beneficial in terms of the products are the following: It provides clarity for executives and management on operational performance. It’s common for info to be disconnected, the CX product allows for an accurate and timely access to key data leading to a quick draw on performance decisions. Another is that the tool is effective in helping make informed business decisions. Lastly, provides analysis on the day to day view of how operations are performing as well as information for strategic long term planning.

Keith played a critical role in creating change in two particular areas: first is that he recognized, ahead of the curve, the credit card industry’s race for prime customers – in a time when companies were chasing sub-prime clientele. He had a counter-cyclical approach searching for the premium brand position for Barclay which resulted in a strong uplift in the brand and the company’s margins.

Second is his innovation in the next generation market. He was a key team player in the creation of a detailed list of cards and payments, accomplishing such through a deal with the UK transportation transit card. A leader in market changing initiatives, Keith uses fact based analytics to work counter-cyclical to the industry standards. With a strong understanding of the overall market and data, he is able to capture the bigger picture, break down the given data into smaller, more comprehensible detail, and interpret them and implement appropriate strategies, thus achieving a much stronger and innovative impact on the organization.