"With the AQBanking solution suite, 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."