Neel Williams

Decision Management The banking industry is rapidly changing as leading financial institutions have begun using predictive modelling and price optimization to improve deposit pricing, improve balance sheet management, and optimize profit in a changing market environment. Banks require an understanding of their customers’ deposit price elasticity — how sensitive are they to pricing changes, and what is the relationship between price and demand at the customer, segment and portfolio level?

"Oh as I was young and easy in the mercy of his means, Time held me green and dying Though I sang in my chains like the sea." —Dylan Thomas, Fern Hill When, and how, might a constraint become liberating? That's a question worth asking as we push into our 11th week of lockdown. All of us in the creative business are now challenged, as we've never been challenged before, to sing in our chains.

What a year. It's hard to believe we're barely halfway through 2020. This week, between leading my company Kin, watching the news, reading opinion pieces, taking in all the posts on social media, and speaking with many, many people ... black, white and other ... who are activated and looking for ways to contribute, it's been challenging to find a quiet moment to process my own thoughts and feelings.