Moebs Services

What Moebs Services does

Moebs Services, Inc. is a privately held financial and market research firm founded in 1983 by economist Mike Moebs, headquartered in Lake Bluff, Illinois. The firm specializes in pricing, strategic planning, overdraft, and cost analysis for U.S. banks, credit unions, savings institutions, and fintechs. Its core proprietary asset is a 40+ year continuous dataset covering 75% of the U.S. consumer checking account market, derived from 5,000+ phone interviews per survey cycle across 3,800+ institutions and transaction-level data on 1 million+ checking accounts.

The company's product portfolio centers on patented and proprietary tools: the Debit Scoring overdraft system (U.S. Patent Nos. 7,676,408 and 8,533,084), which uses Big Data analytics to calibrate risk-based overdraft limits with consumer-friendly pricing (fees under $20, limits from $100–$10,000); the L.O.A.N. web application for loan profitability optimization; the M$ Intelligence premium subscription research service; and the Service Costing Model that fills the void left by the Federal Reserve's discontinuation of Functional Cost Analysis studies in 2000. Adjacent services include the Pricing Institute workshops, Fee Enhancement and Checking Enhancement consulting engagements, Commercial Services (with patents pending), and Cost Analysis. The firm also serves as the de facto data source for prudential regulators in Washington, DC.

Moebs generates revenue through a mix of subscription (M$ Intelligence, news subscriptions at $196/year), professional services (consulting, workshops, fee audits with 30-day project timelines), and licensing/royalties (Debit Scoring, L.O.A.N.). Distribution is sales-led and direct, targeting mid-market and enterprise financial institutions, supplemented by self-serve subscription access and international Pricing Institute workshops conducted in Australia, Canada, Europe, and Africa. The company employs 1–10 people and remains founder-controlled, with J.V. Proesel serving as President since 2022.

Name

Moebs Services

Legal name

Moebs Services, Inc.

Website

https://moebs.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

1–10 employees

Short description

Moebs Services is a privately held financial research and consulting firm founded in 1983, providing pricing, overdraft, and cost analysis to U.S. banks, credit unions, savings institutions, and fintechs using a proprietary 40-year dataset covering 75% of the consumer checking market.

Ownership category

akta.pro rank

Product category

Financial Services Pricing Research and Consulting

NAICS

Finance and Insurance (52), Portfolio Management and Investment Advice (523940), Credit Bureaus (56145)

SIC

Investment Advice (6282), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Overdraft & NSF Fee-Based Short-Term Credit (FSAKAMAF)

akta.pro secondary industry

Overdraft & Deposit-Advance Products (FSAKAOAE)

Keywords

• Financial services pricing research
• Overdraft risk analytics
• Banking consulting services
• Loan profitability tools
• Checking account optimization

Headquarters

HQ city

Lake Forest

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. M$ Intelligence Subscription: Premium subscription service providing access to #1 financial research pricing data in the USA, including in-depth quarterly rate and fee prices for 75% of financial service consumer and small business users. Includes exclusive pricing strategies, breaking news, and access to historical database of over 400+ articles.
2. Fee Enhancement Service: Professional consulting service that reviews fee schedules, conducts competitive price surveys, and provides custom pricing recommendations. Includes complete fee audit, identification of new fee opportunities, deposit and checking market shares analysis.
3. Checking Enhancement Service: Comprehensive checking account analysis and strategy development including financial statements analysis with full costing, revenue, and transfer pricing, market share analysis, and strategic checking analysis.
4. Debit Scoring Licensing: Licensing of patented Debit Scoring overdraft solution to financial institutions. Includes implementation with hundreds of banks, credit unions, savings institutions and fintechs.
5. L.O.A.N. Application: Web-based loan profitability tool provided to financial institutions for loan pricing decisions.
6. Pricing Institute Workshops: In-house, on-site, and online pricing workshops teaching financial institution managers how to price services. Includes Moebs Pricing Manual, Pricing Workbook and The Pricing Summary - The 18 Steps for Successful Pricing.
7. News Story Subscription: Annual website news story subscription providing access to premium news content. Priced at $196 per year.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Moebs Services is a private financial and market research firm that collects and analyzes Big Data on consumer checking, overdraft, and loan pricing for U.S. banks, credit unions, savings institutions, and fintechs. Its core deliverables are proprietary patented software (Debit $coring overdraft service), a web-based loan profitability application (L.O.A.N.), subscription pricing intelligence (M$ Intelligence), and consulting engagements (Fee Enhancement, Checking Enhancement, Cost Analysis, Commercial Services, The Pricing Institute workshops).

Product overview

Moebs Services operates as a private financial and market research firm established in 1983, offering a portfolio of advisory services and proprietary software tools for financial institutions. The core offerings include Debit $coring (patented overdraft risk management with Big Data analytics), M$ Intelligence (premium subscription research service), and the L.O.A.N. web application (loan profitability decision tool). These are supplemented by consulting services including Fee Enhancement, Checking Enhancement, The Pricing Institute (educational workshop), Commercial Services, and Cost Analysis. The portfolio is unified by over 40 years of proprietary pricing data covering 75% of the U.S. consumer checking market, enabling risk-based solutions and analytics-driven recommendations for banks, credit unions, and fintechs.

Differentiator

Problem solved

Functional benefit

Brands

• Debit Scoring: Patented overdraft risk-based solution designed to control risk and identify opportunities using consumer-centric approach with low fees and friendly features.
• L.O.A.N.
• The Pricing Institute
• M$ Intelligence
• Fee Enhancement Service
• Checking Enhancement
• Cost Analysis

Products and services

• Debit $coring Overdraft Service Patented, risk-based overdraft solution using consumer-centric pricing with overdraft fees under $20 and risk-based limits from $100 to $10,000, with consumer-friendly features including caps, grace periods, early payday, de minimis balance, and de minimis transaction thresholds. Licensed to and implemented with hundreds of banks, credit unions, savings institutions, and fintechs.
• Fee Enhancement Service Complete fee audit professional service that identifies new fee opportunities and untapped revenue through competitive price surveys across banks, credit unions, and fintechs. Includes an Interactive Pricing Model and custom pricing recommendations, delivered on a 30-day project timeline.
• Checking Enhancement Service Analysis and design service for checking account portfolios, drawing on Moebs' database analyzing over 75% of the U.S. consumer checking account market. Includes Economy of Scale, Efficient Market Share Analysis, Competitive Analysis, financial statements analysis with full costing/revenue/transfer pricing, and strategic checking growth strategies.
• The Pricing Institute Interactive workshop and laboratory environment teaching financial institution executives how to price services profitably. Delivered in-house at the Chicago-area Lake Bluff headquarters, on-site at client locations, and online. Includes Moebs Pricing Manual, Pricing Workbook, and The 18 Steps for Successful Pricing methodology. Conducted in Australia, Canada, Europe, Africa, and the United States.
• L.O.A.N. Web Application Web-based loan profitability decision-making tool for financial institutions. Features include a four-way calculator (input any 3 of Principal Amount, APR, Term, or Payment to calculate the 4th), 'What if' scenario comparison for up to 3 scenarios simultaneously, institutional amortization schedule with mini income statement perspective, and all-in-one page display with zero IT intervention required.
• Commercial Services Holistic commercial banking service covering commercial checking accounts, Relationship Account Analysis (patent pending), reserve position management, sweep account structures, and commercial loan integration for small business owners. Includes patent-pending Relationship Account Analysis and Commercial Services (triangular team approach for commercial services ensuring long-term retention of business client relationships).
• M$ Intelligence Premium annual subscription research service providing access to in-depth quarterly rate and fee price data covering 75% of U.S. financial service consumer and small business users, including exclusive pricing strategies, breaking news on rates, overdrafts, checking, money supply, prudential regulators and Fed policymakers, and access to a historical database of over 400+ articles.
• Cost Analysis Service Service costing analysis examining expenses, productivity measures, and retail service prices using Moebs' proprietary Service Costing Model. Provides institutions with understanding of profitability by service, transaction, and branch, filling the void left by the Federal Reserve's discontinued Functional Cost Analysis (FCA) studies in February 2000.
• News Story Subscription Annual self-serve subscription priced at $196 per year providing access to news stories on the Moebs Services website covering financial services pricing, overdrafts, checking accounts, and regulatory updates. Auto-renews; cancellation permitted at any time with no refunds.

Quantifiable outcome

• Overdraft fees under $20 (or lower)
• +6 more outcomes

Named customers12 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature5 records

Scale indicators8 records

Recent moves12 records

Expansion highlights6 records

Direct peers

• Raddon (Insights division of Fiserv): Raddon provides financial insights, benchmarking, and research subscriptions to banks and credit unions, including deposit, fee, and lending analytics that compete directly with Moebs's M$ Intelligence and Checking Enhancement offerings.
• Baker Hill: Baker Hill delivers loan origination, portfolio analytics, and lending profitability tools to community banks and credit unions, overlapping with Moebs's L.O.A.N. web application and loan-pricing advisory work.
• Novantas: Novantas is a financial-services consulting and research firm focused on retail banking profitability, deposits, and pricing, comparable to Moebs's pricing, checking profitability, and cost analysis engagements.
• Filene Research Institute: Filene is a credit union-focused research and incubation organization producing benchmarking, consumer studies, and applied research that overlaps with Moebs's credit-union pricing intelligence and educational offerings.
• Cornerstone Advisors: Cornerstone Advisors is a consulting and research firm serving banks and credit unions on performance, technology, and strategy, overlapping with Moebs's pricing strategy, strategic planning, and profitability advisory work.
• Profitstar (Fiserv): Profitstar provides profitability and cost analysis software for banks and credit unions, directly comparable to Moebs's Service Costing Model and Checking Enhancement profitability analytics.
• Strunk & Associates: Strunk specializes in overdraft management, NSF program design, and fee optimization consulting for credit unions and community banks, directly overlapping with Moebs's Debit Scoring and Fee Enhancement services.
• Bank Administration Institute (BAI): BAI provides banking research, benchmarking, and professional education for financial institutions, competing directly with Moebs's M$ Intelligence subscription research and Pricing Institute workshops.

Broad incumbents

• Jack Henry & Associates: Jack Henry provides core banking, lending, and analytics platforms for community banks and credit unions; while not a direct competitor in standalone pricing research, it competes for the same technology and consulting budget that supports Moebs's solutions.
• LexisNexis Risk Solutions: LexisNexis Risk Solutions compiles consumer and business credit data and analytics at scale for financial services, similar in data function to Moebs's checking-account and pricing database but with a much broader portfolio beyond deposit pricing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/moebsservices
• LinkedInlinkedin.com/company/moebs-ervices

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moebs Services