Optifi connects the ledger with transactions, service activity, technology, risk, compliance and channel behaviour to create a defensible profitability view.
Most financial institutions understand revenue and direct product cost. The harder question is how technology, operations, compliance, cyber security, channels and relationship support should be assigned to the products and customers that consume them.
Technology, operations, compliance and corporate functions support products and segments unevenly. Simple revenue allocations distort accountability.
Optifi applies transparent activity and consumption drivers, preserves allocation lineage and reconciles every assigned amount to the ledger.
Fees and interest margin do not show the full cost of processing, servicing, risk support and channel delivery.
Optifi creates a fully absorbed product P&L and compares pricing, volume, service and cost scenarios.
Two customers with similar balances can require very different transaction, service, relationship and exception effort.
Optifi combines revenue with behavioural service cost to show net profitability by customer, relationship and segment.
Branch, contact-centre, digital and platform investments shift service behaviour and cost, but ROI is difficult to isolate.
Optifi measures channel consumption, assigns platform cost and tests migration or investment scenarios against customer economics.
Stratic configures Optifi to automate general-ledger, transaction, CRM, workforce, service and technology data. Governed activity drivers allocate shared cost through services and processes to products, customers, segments and channels, with every result reconciling to finance.
ERP + operational systems
Finance + operational controls
Direct + indirect cost
Dashboards + review packs
Decisions + accountability
Replace periodic allocation exercises with a repeatable profitability process shared by finance, product, channel and relationship leaders.
Explain profitability through transaction behaviour, service use, technology, compliance, channel and relationship complexity.
Automate shared-cost allocation and profitability reporting from ledger to relationship.
