UPITE Consulting is specialized in the identification and implementation of recommendations aimed at improving the profitability of Retail Banking and Consumer Finance products, specially for Credit and Debit Cards, Current and Savings Accounts, Overdrafts, Consumer, Car and Mortgage Loans and Deposits. We offer a unique approach through our 5 phased methodology, guaranteeing the optimization of all mathematical processes entailed in each Retail Banking and Consumer Finance product. These recommendations are the result of exhaustive internal analyses based on the revision of the selected products and the most common operations carried out by the respective clients, leading to real opportunities to increase revenues. All our recommendations are: • Unique to each product and client • Adapted to their specific operations • Respectful with the client and market practices • In accordance with existing regulations UPITE Consulting centres its analysis on the improvement of the client’s Profit and Loss Account on a series of Profitability Levers analyzed during the project, regardless of the product: • Optimization of fees • Optimization of late payments • Improvement of revenues derived from financing interest and default interest • Correct application of prices • Analysis of cash flow • Reduction of expenses UPITE Consulting's commitment to achieving the best results is guaranteed through our “Success-based” fee scheme. UPITE Consulting only charges pre-agreed fees once the client approved recommendations have been implemented and have resulted in measurable and trackable incremental revenues in the client's Profit and Loss Account. The wide range of projects carried out by UPITE Consulting and our international experience guarantees a double deliverable: Our consultants' knowledge of international Best Practices and the project's success regardless of the continent, the market or the client where the project is carried out.