Category

Automation & Workflow

3 insights

A rising curve showing the small ticket share of new business volume, starting at 31.4 percent today and reaching 50 percent in about four years and 58 percent in six, holding the reported year-to-date growth rates of 25.8 percent for small ticket and 11.3 percent overall.

Equipment Finance Is Growing Fastest in the Segment Where Margin Is Set by Cost Per Deal

Small ticket new business volume is up 25.8 percent year to date against 11.3 percent for the industry overall. The segment growing fastest is the one whose economics are decided by processing cost and cycle time rather than by credit spread.
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A labeled diagram of six stages from inquiry through cash for made-to-spec production, marking the quote stage as the point where substrate, tooling, run rate, waste allowance, price, and delivery date are all committed at once.

In Made-to-Spec Production, the Quote Is the Only Place the Margin Is Decided

Paper converters hold 51.7 percent of inventory as raw material against 41.5 percent for food manufacturers. That inversion traces back to the front of the process, where the specification, the price, and the schedule are all set at once.
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A waffle grid of 100 squares with 10 marked, showing that noninterest expense at insured institutions rose 10 percent year over year while full-time equivalent headcount fell 1.3 percent.

Banks Cut Headcount and Noninterest Expense Rose 10 Percent. The Cost Base Is Not People.

Insured institutions shed 27,662 full-time equivalents over a year while noninterest expense grew 10 percent. When cost rises as headcount falls, the expense is attached to the work rather than to the workforce.
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