Academy

Welcome to the OnPoint Learning Hub provides a structured pathway of certifications to help professionals develop expertise in costing.
TOPICS: Banking and Insurance.

Banking

Banks process millions of transactions daily, from ATM withdrawals to digital payments. Each transaction carries costs that, if not measured accurately, erode profitability. This course teaches participants to design and implement transaction cost models that reveal the true economics of banking services. Learners will explore methodologies for assigning costs across transaction types, channels, and customer groups, enabling precise profitability insights.

  • Build transaction cost models that capture both direct and indirect expenses.
  • Identify cost drivers in retail and corporate banking transactions.
  • Compare cost efficiency between different transaction channels.
  • Use transaction-level insights to refine product pricing and channel strategy.

Ideal for banking costing teams, finance managers, operations analysts, and strategy consultants seeking to optimize cost efficiency and improve product and channel profitability.

The shift from branch-based to digital banking has transformed the industry’s cost structure. This course provides practical frameworks to measure, compare, and manage the economics of physical and digital channels. Learners will understand how customer preferences, operating costs, and technology investments shape profitability across these channels.

  • Evaluate cost structures of traditional branches versus digital platforms.
  • Analyze fixed and variable cost dynamics for each channel.
  • Quantify cost savings from digital adoption while identifying hidden expenses.
  • Develop strategies to balance digital transformation with customer experience.

Best suited for banking costing teams, financial controllers, channel strategy professionals, and operations leaders responsible for steering branch–digital transformations.

From loans and mortgages to credit cards and deposits, every banking product has unique cost and revenue dynamics. This course enables learners to analyze product profitability with precision, uncovering which offerings create sustainable value and which drain resources. Real-life case studies bring these frameworks to life.

  • Build profitability models for retail and corporate banking products.
  • Identify cost-to-serve across different customer and product types.
  • Benchmark product performance and margins within the portfolio.
  • Recommend pricing and product design strategies to improve profitability.

Designed for costing teams, product managers, finance business partners, and strategy consultants working to optimize product portfolios in banking

Claims are at the heart of the insurance business, yet processing them consumes significant resources. This course equips learners with frameworks to analyze claims processing costs, measure efficiency, and design strategies that balance customer service with financial sustainability.

  • Map the full cost cycle of claims handling, from intake to settlement.
  • Quantify inefficiencies in claims processing and propose cost improvements.
  • Benchmark claims costs across lines of business.
  • Use cost insights to enhance both customer experience and profitability.

Suited to insurance costing teams, finance professionals, claims managers, and operational leaders aiming to streamline claims handling while protecting profitability.

Insurance products perform differently across customer segments, influenced by risk, behavior, and cost-to-serve. This course provides the tools to analyze profitability at the segment level, ensuring portfolios remain balanced and sustainable.

  • Segment customers by policy profitability and risk profile.
  • Allocate costs accurately to different customer types.
  • Evaluate which segments enhance or erode portfolio margins.
  • Apply profitability insights to refine underwriting and pricing.

Best for costing teams, actuaries, pricing analysts, and insurance strategy consultants focused on improving policy portfolio performance.

Managing risk is fundamental in insurance. This course explores risk-adjusted cost allocation methods and how reinsurance structures affect overall profitability. Learners will gain the ability to balance risk, cost, and returns in insurance portfolios.

  • Apply risk-adjusted costing frameworks across insurance products.
  • Assess the cost and value of reinsurance arrangements.
  • Model scenarios to understand profitability under varying risk exposures.
  • Develop allocation strategies that align risk with financial outcomes.

Ideal for insurance costing teams, actuaries, reinsurance managers, and financial controllers working to link cost allocation with risk management.

Insurance