What We Actually Do

Analytics are driving the business world

Operational Process Analytics (Determine what your employees really do)

Core of the Kohl approach is our Operational Process Analysis. Employee costs can approach 50% of total costs, but are commonly some of the least understood. That is because few organizations accurately measure what employees really do. Traditional Operational Process Analysis is typically very disruptive and time consuming yet Kohl has made this process quite painless.

Our automated, web-based solution (Kohl Direct) enables us to collect benchmark data from your loan and deposits operations people quite easily. It often takes your operations personnel less than 15 minutes each to complete a survey of their specific activities from up to 100 of the most common operational activities. Once we have this data we can compare it to our industry database of the same activities to pinpoint where you are doing better (or worse) than average or even best practices.

Operational Process Cost Analytics (Understand how much employees cost to do it)

You can also extend the Operational Process Analysis by adding employee compensation to the process. This enables Kohl to determine not just the effort, but how much you are spending on each activity by product and/or channel etc.

Unit Cost Analytics (Determine what employees cost per transaction)

You can also extend the Operational Process Cost Analysis by adding operational statistics such as number of loan applications taken, number of applications book, number of teller transactions etc. conducted to the analysis. This enables Kohl to determine not just the effort & cost, but how much you are spending on each loan application taken, loan booked, deposit etc. and compare that to our benchmarks.

At this point, you have the cornerstone for a Driver-based / Activity-Based Management planning and profitability analysis environment. If you have an Enterprise Performance Management (EPM) software system, you now have most of the drivers, the unit costs of the and have the comparative benchmarks for that system. If you don't have an EPM solution we can help there too...

Organizational & Product Profitability Analytics

Once the Operational Process and Cost Analysis is complete Kohl can then further leverage that work by then determining the profitability of your loans and deposits. We leverage the Kohl created Operational Process Costs Analytics, your financial information and the hard operational statistics from your loan and deposits systems to create a comprehensive looks at your profitability.

When getting the hard operations data, we excel here to. Our partners can set up direct data feeds from your core and supporting systems saving you much time, manpower and cost. The cost saving only multiplies if you use Kohl on a regular basis.

Organizational and Product Profitability "What If" Analytics

For those wishing to truly put the information to work, Kohl provides a financial model that facilitates the development and testing of product related strategies. The Kohl Earnings Enhancement Model (EEM) provides an impressive capability to "What If" existing products as well as design and test new ones.