“Our third-party IT auditor said the Optimize Vendor Management Service is perfect what we need to be tracking.”

Jeff Ropp
CTO, Plains State Bank, KS

“Your comments on the contract documents were really, really good Masterful job on the pricing. I’m elated.”

Kyle Russell
CEO, Verus Bank, Derby, KS

“The overall process was non-intrusive and the information requested was not difficult to provide…It was all based on what was realistic for our bank and our processes. The experience was a good one and we feel that we received value for our dollars.”

Yuvonne Watt
Chief Operations Officer, First National Bank, Vinita, OK

“We just didn’t get it done. We didn’t have the time. You were very conservative with your estimates. The other value you bring is the knowledge you have.”

Zach Hall
President, Exchange Bank, Perry, OK

“Our recent Profit Review proved to be most helpful in identifying several, easy to initiate, cost-saving practices…Thank you for your professionalism and for working with us to improve many income and expense areas of our bank.”

Debbie Hill
CFO, Citizens Bank, Ardmore, Oklahoma

“A truly outstanding effort and result. Your work ethic, demeanor, and razor-sharp intelligence resulted in a project team that was absolutely unbelievable.”

Kevin Chase
Chairman, Verus Bank, Derby KS

“You are a little different than most people that come in wanting to help us more shirt sleeves and digging into the weeds. You guys peeled the onion back. It helped us get out of the humdrum and see some things we had missed. I was impressed with you guys.”

Roger Arwood
CEO, Citizens Bank & Trust, Chillicothe, MO

Karns Profit Improvement^®

Helping Financial Institutions Improve Profit and Franchise Value Since 1986

Karns Profit Improvement® is an independent consulting firm for Financial Institutions. Decades of experience in the financial services industry gives us expertise to improve your profitability and franchise value in many areas. One area of specialization is negotiating major IT contracts, including Core Processing, Card Processing, and Payment Networks.

Maximizing profits with vendor management

Optimize Vendor Services helps financial institutions optimize your return on third-party service providers. With our specialized expertise, we optimize vendor relationships to ensure you have complete, current and actionable information to strategically lower cost, improve service and reduce risk. Learn more about lowering your costs along with the added benefit of better risk management with this premiere service.

Lower Cost – Improve Service – Reduce Risk

Learn More…

IT Contract Review and Negotiation – verifiable history of lowering cost and improving terms

Trust KPI with your IT contract negotiations. We understand these very complex, critical and costly dialogues. Learn more about lowering costs and improving terms on your next IT contracts..

Lower Costs and Improve Terms

Negotiating any vendor contract takes time, research, planning, and knowledge. When it comes to IT and technology services that are so crucial to your financial institution, this process is even more critical and complex. Missed opportunities can be very costly.

There is a high ROI for knowing the market and the process.

Learn More

A Synergy of Results

Our 30 years of experience has shown that when executives allow us the privilege of helping them, the results exceed what either of us could achieve alone.