"The AQOPTIMIZER solution is a user-friendly and easily accessible solution that brings great value and understanding to individual advisors, departments and management on the relationship between pricing and capital charges."

"With the AQOPTIMIZER solution, we now have a framework that allows us to get a quick and easy overview of earnings on different customer segments. This applies at individual and portfolio level."

"With AQOPTIMIZER, we can now put more decision power in the hands of our advisors, as the application systematically supports our customer-facing employees in cost- and risk-based pricing. This is based on Management's risk appetite, which is integrated into the solution and derived in all decision-making."

"For 7 years we have used a pricing tool which has progressed the bank in understanding pricing - with the AQOPTIMIZER solution suite we can move the bank to the next level, with the ability to individualize, simulate and report."

"The AQOPTIMIZER solution is an intuitive and user-friendly framework for the individual employee and contributes to an efficient everyday life for the bank's corporate advisors."

"The AQOPTIMIZER solution allows advisors to quickly gain insight into the impact of changes in exposures (new credits, loans or collateral) or other increased business volume (mortgages, leasing, pensions, insurances, investments,…) on overall customer profitability."

"The AQOPTIMIZER solution allows us to quickly and easily assess the earnings on individual customers, while also allowing us to simulate the impact of changes in interest rates and other earnings on the customer. This has given the individual adviser a much greater understanding of what determines the right price for the client."

"From access to the AQOPTIMIZER solution through to implementation by end users, we have experienced a very high level of service, with quick responses, good sparring, and a great willingness to develop the system to suit the bank's needs."

"The AQOPTIMIZER solution has already shifted the understanding of department managers and financial advisors, towards a holistic view of the profitability of a customer or customer group."

"AQRISK provides competent support on a daily basis and acts as a good sparring partner during both the implementation process and once the application has gone live."

"The AQOPTIMIZER solution has allowed us to ensure that profitability on clients are valued more consistently across the bank."

"We find that AQRISK has a strong focus on continuously developing and improving the application in collaboration with the banks. The development and implementation of concrete improvement proposals is very rapid."

"Even though we are a smaller, niche and value-based bank with limited IT resources, we have still been able to implement the AQOPTIMIZER application relatively easily in close cooperation with AQRISK. The solution is within the framework of our datacenter and thus presents very limited data and system risks."

"With the AQOPTIMIZER solution, we can assess profitability on a valid and consistent basis at product, customer, portfolio, financial advisor, department and bank level. We started with the idea that the solution suite could help in setting the interest rate level for a given client or product, but it goes far beyond that. The application has created a new understanding amongst advisers of the importance of the interest rate business in no way standing alone. It has to include other income, adequate collateral, good creditworthiness and credits that are adjusted to actual needs, so that poor credit utilization are addressed. In particular other revenue components from 3rd party suppliers have come under sharper scrutiny with financial advisors, in terms of how important a part it is of the top line. At the same time, of course, it is good customer advice."

"With the AQOPTIMIZER solution, we can continuously monitor the profitability of our customers and more quickly identify customers who have been priced incorrectly."

"By moving to the AQOPTIMIZER solution we have reduced time used for client assessments and pricing by a factor 12 - this provides great user satisfaction and makes implementation and banking optimization very efficient."

"In addition to managing clients effectively, the AQOPTIMIZER solution provides a unique underlying results dataset that, with relatively little effort, provides opportunities for optimization in many areas across the business."

"One of the bank's core values is business acumen. Here it is important to find the price that makes a deal or customer relationship a good deal for the customer and the bank, here we have been greatly helped by AQOPTIMIZER solution to find the price that can satisfy the bank's earnings requirements. The solution does not of course tell us what price the customer will be happy with, but it does tell us what price we can accept and on what terms."