Innovative product offerings can differentiate an institution from its competitors, but can also inhibit growth if the product roster becomes bloated or too complicated for customer service representatives to effectively sell. Bancography helps institutions design simple, streamlined product offerings focused on specific target market segments. Our models insure that an institution’s products fulfill consumer needs while also meeting the institution’s profitability expectations. Further, Bancography designs branch incentive systems that reinforce the institution’s sales objectives while encouraging needs based selling.