Česká Spořitelna maximizes profitability with optimized credit decisions

Outsmarting the competition with optimization 

Banks have become increasingly competitive with pricing to protect their market share. Unfortunately, these pricing strategies often lead to reduced margins and higher risk. The key is to find a good balance between high profitability and low risk. This in-depth case study details how Česká Spořitelna Bank, the largest bank in the Czech Republic has revolutionized its approach to customer offers by applying optimization to its decision strategies. This has resulted in raising not only profits and margins, but also customer satisfaction and uptake levels.

Česká was also awarded a Decision Management Award in 2015 based on its successful use of optimization. To learn more about why they were selected, download the 2-page award version of the case study.