Explanation:
According to Crouhy, retail banking is actually moving away from one-size-fits-all products. The current trend is toward risk-based pricing, customized offerings, and targeted product differentiation based on advanced behavioral and credit scoring. Therefore, option D is the exception (it is not a trend). Options A, B, and C accurately reflect ongoing advanced trends in retail banking.
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605.1. Crouhy describes each of the following as a trend in retail banking EXCEPT which is not?
A
Banks have progressed from scoring applications at one point in time to periodic behavior scoring
B
Banks are increasingly monitoring the early performance of new product offerings, and testing responses to variations in product offerings
C
Customers are more likely to be described by a several scorecards in addition to traditional default risk metric; e.g., revenue scores, attrition scores
D
Banks are rationalizing credit offerings into fewer products and more one-size-fits-all products in order to minimize the customers' perceived confusion
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