The Real Invoice
Every fee prints its true receipt: revenue in, waivers, calls and anger out.
The job
Shows what each fee or price change really earns after what comes back: waivers after complaints, handling contacts, customers thinking of leaving, public anger and regulator risk. Loss-making fees get killed or repriced, and each change is checked at 30, 60 and 90 days.
The moment
The committee looks at a $15 fee, printed as a till receipt that shows what the fee really earns once the costs that come back are counted.
The receipt prints line by line: $2.1 million collected, $900,000 waived, 41,200 customer contacts costing $1.2 million to handle, and $300,000 to $700,000 at risk from customers thinking of leaving.
The bottom line is a loss of $300,000 to $700,000, so the committee kills the fee.
60 days later the receipt is reprinted and stamped "Worth it". The CFO gets it on WhatsApp as the receipt of the month.
What it does
- Change a default assumption
- Propose a kill, cap, reprice or disclosure rewrite
- Notify the pricing owner and committee
- Send the receipt of the month to the CFO
- Refresh revenue figures
- Draft the clearer disclosure and agent script
What you see
Thermal-paper receipts, one per fee rule, with a net total line, a boomerang curve of costs coming back over time, and verdict stamps on each reprint; leaves as a WhatsApp receipt image
What it moves
The net value of each fee in dollars after goodwill costs, the number of loss-making fees killed or repriced and confirmed as worth it, and fee-related contacts and waivers each month.
Built for
- Finance
- Product & digital
- Executives & leadership
