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Axiom Software Blog

Welcome to our blog, the source for the latest from Axiom Software experts. Whether its innovative processes and best practices, trends in the industry, or insight into EPM technologies, this is the place to learn more about enterprise performance management. Subscribe to blog.

Rising Tuition Discounts and Flat Revenues Squeeze Colleges Even Harder

As tuition discounts increase, most colleges and universities are being forced to turn their attention to the expense side of the income statement. Read more

Know Your Customers Empirically: A Client's Perspective

Posted May 22, 2017 by

A few years ago I met a gentleman in his office in North San Diego County to get some advice about a real estate deal. This gentleman, let’s call him David, owned commercial buildings and was very successful. He had kindly agreed to meet with me after an introduction was made by a mutual friend. During the course of our meeting, I shared with him my background in technology for financial institutions, and how I had developed a Relationship Profitability and Pricing System to help organizations… Read More

Utilizing FTP as a Foundation for Proactive Margin Management

Posted April 4, 2017 by

I recently presented a webinar on proactive margin management for banks and credit unions. Based on the interest and feedback, it seems like an opportune time to provide a summary on this important topic. Net Interest Margins (NIM) have been shrinking in financial institutions for more than 20 years. Yes, there have been short-lived, intermittent increases, but Figure 1 clearly demonstrates this prolonged, troublesome trend. Figure 1. Trends in Net Interest Margins Source: FFIEC (US): Net Interest… Read More

A Resurgence of Profitability Analysis for Financial Institutions: A Look at Best Practices

Posted March 16, 2017 by

In the previous two blogs related to the resurgence of profitability analysis in the banking industry (Defining the Challenge & Understanding the Process), we covered financial performance challenges facing financial institutions, the resurgence of profitability as a tool to help combat these challenges, and some considerations for implementing and/or improving profitability analysis processes. In this final blog, we will propose several best practices to consider as you work through the process.… Read More

A Resurgence of Profitability Analysis for Financial Institutions: Understanding the Process

Posted February 14, 2017 by

In the previous blog we discussed the challenges facing many financial institutions in today’s marketplace, including substantial regulatory requirements, significant competition, increased consumer and technology demands, and inconsistent financial results. To help identify areas to improve and to maximize performance, many banks and credit unions are refocusing—or are poised to refocus—on profitability analysis across all segments of their institutions. In part two of this blog,… Read More

Assessing the Road Ahead in Higher Education

Posted January 26, 2017 by

Now that the holidays have passed and everyone has settled into a routine in the New Year, it’s time to evaluate the environment facing institutions in the months to come. For many university business leaders, 2017 presents a number of opportunities for growth while also presenting several unknowns. Let’s start with the good news. According to the Moody’s 2017 Higher Education Outlook, universities can expect a relatively stable outlook overall, including 2-3% net tuition revenue… Read More

A Resurgence of Profitability Analysis for Financial Institutions: Defining the Challenge

Posted January 16, 2017 by

The banking industry is full of hope with expectations of higher interest rates and decreased regulation. However, banks and credit unions still find themselves mired in one of the most challenging environments in history—an environment that is wrought with significant competition, substantial regulatory requirements, increased consumer and technology demands, and a prolonged period of languishing financial results: Net interest margins for banks and credit unions continue to stagnate at near… Read More

Five Ways to Shorten the Annual University Budget Cycle

Posted November 16, 2016 by

As college and university business officers enjoy their Thanksgiving break, most can’t help but have a sense of angst about what awaits them when they return to work…the herculean task of tackling the FY18 budget process. The average higher education budget cycle consumes nearly six months out of the fiscal year. A budget process that takes that long leaves academic and administrative leadership fatigued and crowds out other critical planning processes. And in some cases, the budget… Read More