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Choice Christopher Cindrich • Zachary McCoy • Andrew Harrison • John DePalma

Final United Project-1 Final

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Page 1: Final United Project-1 Final

ChoiceChristopher Cindrich • Zachary McCoy • Andrew Harrison • John DePalma

Christopher Cindrich
figure out how to clean the edges around the isolated logo
Christopher Cindrich
On the right track, but find a better background
Page 2: Final United Project-1 Final

Deposit Growth

Christopher Cindrich
Background reflecting positive data trend
Page 3: Final United Project-1 Final

Why Deposits?

Stability and Security

Increase Loan Capacity

Loan/Deposit Ratio Target of 85%

Christopher Cindrich
Clean up writing
Page 4: Final United Project-1 Final

Focused Approach

Bolstered Credit Card

Christopher Cindrich
credit card stock image
Page 5: Final United Project-1 Final

Survey Data

Christopher Cindrich
number-driven background
Page 6: Final United Project-1 Final

Responder Gender

51%48%

1%

Male Female Other

Christopher Cindrich
need to format chart in powerpoint
Christopher Cindrich
find academic background
Page 7: Final United Project-1 Final

Responder Age

70%

17%

13%

0-25 25-45 45+

Christopher Cindrich
find academic background
Christopher Cindrich
Need to Format charts in powerpoint
Page 8: Final United Project-1 Final

Do Rewards Programs Increase Your Likelihood of Being a Long Term Customer?Most important credit card feature

78%

22%

Yes No

Christopher Cindrich
find academic background
Christopher Cindrich
Need to format charts in PPt
Page 9: Final United Project-1 Final

What Is the Most Important Feature When You Are Applying For a Credit Card?

30%

60%

10%

Rewards Program Low Interest RatesCash Back

Christopher Cindrich
Need to format charts in PPt
Page 10: Final United Project-1 Final

Current Card United Bank Visa Platinum

Christopher Cindrich
photoshop image to smooth edges
Page 11: Final United Project-1 Final

Features

•1% Cash Back on All Purchases•Pay Ahead•Fraud Protection•Travel Accident Insurance Up to $250K•Identity Theft Security and Protection

Page 12: Final United Project-1 Final

Requirements

•Minimum Gross Income: At Least $36,000 Annually•Homeowners: Net Worth At Least $30,000• $10,000 Liquid Assets

•Non-Homeowners: Net Worth At Least $30,000• $15,000 Liquid Assets

Christopher Cindrich
Big asterisk until Moriah gets back to us.
Page 13: Final United Project-1 Final

Current Application Process

1.) Download 2.) Print 3.) Complete 4.) Fax5.) Review

Approx. 2/3 weeks

Page 14: Final United Project-1 Final

Concerns

•Dense and Difficult Application

• Strict Application Requirements

• Time Inefficient

• Lack of Aesthetic Appeal

Christopher Cindrich
find background that conveys frustration.
Page 15: Final United Project-1 Final

The New Standard of Excellence

Christopher Cindrich
Not this one---too hard to read anything even if we play with fonts and color.
Christopher Cindrich
Background that conveys luxury or great service
Page 16: Final United Project-1 Final

ZeusYou Are In Control

Christopher Cindrich
Find alternate prototype name.
Page 17: Final United Project-1 Final

Pick Your Path Low Interest Rates OR Rewards Program

Christopher Cindrich
Robert Frost- path divergence photo
Page 18: Final United Project-1 Final

Simply Low Rates 0% Introductory APR for First 3 Months5.99% for Next 3 Months8.25% Thereafter

Page 19: Final United Project-1 Final

The Competition BB&T Bright Low Rate Card - 8.15%-17.15%

* would not release interest rates when called directly

Huntington Bank Low Rate Card - 9.99%-24.99%

Rewards Card - 12.99%-27.99%

Clear Mountain Bank Rewards Card - 9.00-18.00%

Capital One Quicksilver Low Rates Card - 12.9% or 17.9% or 22.9%

Page 20: Final United Project-1 Final

Earn Rewards. Your Way!

Page 21: Final United Project-1 Final

Earn• Initial Sign-Up• Opening Additional United Accounts• Spending• Referrals• Making Timely Payments• Preferred Local Vendors • Seasonal Double Point Specials/Higher Cash-Back

Page 22: Final United Project-1 Final

Redeem

• Auctions & Sweepstakes-Merchandise-Event Tickets-Gift Cards/Cash Prizes

• Classes (30 minutes)• Charity Donations• Local Businesses

Page 23: Final United Project-1 Final

Online Application

Page 24: Final United Project-1 Final

Mitigate Obstacles

Accessibility

Transparency

Secured Credit Card

Page 25: Final United Project-1 Final

One Hub

Cross-sell to new and current customers

Christopher Cindrich
In addition, add transparency as a core idea of marketing campaign.
Page 26: Final United Project-1 Final

Questions