Ticking Trend is a financial analytics and data science consulting firm. We specialize in helping banks, credit unions, and fintechs build the analytics capabilities they need to understand their clients, manage their risk, and grow profitably.
Our Focus
Financial institutions face data challenges that are fundamentally different from other industries. Regulatory constraints shape what data can be stored, how it must be governed, and what it must prove. Products like deposits, loans, and payments create complex interdependencies in cost allocation.
Generic analytics consultants can implement a Snowflake environment or build a Tableau dashboard. What they can't do is navigate the data models inside FIS, Fiserv, Finacle, Finastra, or Oracle FLEXCUBE — let alone translate that data into a client profitability framework that survives audit scrutiny.
That's what we built Ticking Trend to do. We understand the data locked inside your core banking system and we know exactly how to get it into Snowflake, Oracle, Tableau, or Power BI — structured correctly for the analytics your business needs.
Most banks know their product P&L. The ones that win know their client P&L.
We build models that allocate revenue, cost of funds, operating expenses, and risk charges to individual client relationships — not just product lines.
We design and implement FTP frameworks that accurately reflect the internal cost of funds for each product and the contribution of each business unit.
We turn profitability data into strategy — identifying high-value clients to deepen, relationships to reprice, and segments with untapped growth potential.
Our Principles
The principles that guide every engagement we take on.
We don't hand off a slide deck and disappear. We measure success by whether your analytics actually perform in production — and we stay until they do.
We bring specific, hard-won expertise in banking and fintech analytics — client profitability, regulatory capital, FTP, CECL — that generalist data firms simply don't have.
We're not incentivized by any platform vendor. Every recommendation is based solely on what fits your business, your team, and your data — not a software partnership.
We build your team's capability alongside building your systems. When an engagement ends, you own, operate, and extend everything we've built — without needing us.
We understand the data governance, audit trail, and compliance requirements that come with being a regulated financial institution. We build systems your examiners can trust.
Our signature practice — relationship-level P&L, FTP, RAROC, and customer strategy — is one of the highest-value and hardest-to-execute analytics programs in banking. We've built these models before.
Our Clients
We work across the financial services spectrum.
We work with institutions running FIS, Fiserv, and Finastra cores — extracting and modeling data to deliver enterprise-grade client profitability and financial performance analytics at an accessible cost.
Solving complex multi-core data architecture and client profitability challenges at scale — including institutions running Finacle, Oracle FLEXCUBE, or parallel core environments.
Helping member-owned institutions — typically on FIS or Fiserv platforms — understand which relationships drive value and improve retention for their most important members.
Building modern cloud data stacks from the ground up on Snowflake, with Tableau or Power BI analytics — including integrations with partner bank cores for embedded finance products.
Ready to get started?
Let's start with a conversation about where you are and what you're trying to build.