Commercial Optimizer

Precision customer management

Manage your way to more profitable customer relationships

The commercial deposit market is opaque with high levels of exception pricing, challenging liquidity and product managers to set appropriate parameters and execute precision pricing daily. 

Commercial Optimizer is the leading application for commercial customer management. The platform intuitively guides you through today’s sea of data, uncovering key insights and creating a single source of truth for cross-functional teams to manage and improve the profitability and growth of commercial relationships.

Optimize Product And Pricing Decisions

Maximize deposit revenue with precision pricing on acquisition and existing portfolio balances.

Optimize balance/rate trade-off decisions across your portfolio based on underlying customer segment behavioral and price sensitivity modeling.

Understand Portfolio Performance

Uncover key underlying trends in your deposit portfolio by incorporating customized segmentation with our proprietary analytic algorithms. Compare granular deposit growth and rate performance to peers through Commercial Analyzer, our benchmarking platform built with over $3T of account-level deposit data.

Increase Efficiency And Reduce Risk

Leverage Commercial Optimizer as an interactive data warehouse, with access to cleaned data and key metrics to support teams across pricing, treasury, marketing, ALCO, and more. Improve operational efficiency through customized, automated performance reporting, enabling your team to spend less time on number crunching and more time on value-added activities.

Solution Highlights

  • Bank Data Analytics
  • Vintage Analytics
  • Reporting and Custom Analytics
  • Scoring
  • Benchmarking
Bank Data Analytics

Investigate bank deposit performance and understand and explain underlying trends. This application also reveals pockets of upside opportunity through re-pricing and re-positioning of products.

Vintage Analytics

Analyze customer vintages to better understand the long-term and sustained success of newly acquired customers.

Reporting and Custom Analytics

View standard, or generate custom performance reports, which typically support the bank pricing committee and ALCO.

Scoring

Understand underlying customer behaviors concerning customer primacy, and leverage information for targeted customer outreach and pricing decisions.

Benchmarking

Compare granular deposit growth and rate performance relative to peers through Commercial Analyzer, our benchmarking platform built with over $3T of account-level deposit data.

Commercial Optimizer By The Numbers

3.2T
Deposits Tracked
180M
Accounts Under Management​
40+
Active Installations​

What Our Clients Are Saying

Lionel Poudevigne Vice President, Product Management Pricing and Forecasting

With the added functionality of Retail Deposit Optimizer, we are well-positioned to accelerate the growth of our customer base.

KeyBank

Our Insights

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November 20, 2023

A Preview Of The Coming CD Renewal Surge

Early returns from the looming tidal wave of CD renewals show that retention is holding up. But it’s still early, and deposit rates are likely to remain elevated. So a well-honed CD-renewal strategy in 2024 will be more important than at any time in the last 15 years.
READ TIME: 2 MINS

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November 15, 2023

Now May Be The Time For A Brand Refresh

In today’s highly competitive digital environment, maintaining brand equity to engage today’s customers and digital natives is becoming increasingly important, and challenging. That’s why several of them have recently taken on a whole new brand identity.
READ TIME: 1 MIN

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November 8, 2023

Branch Count Continues Downward, But At A Slower Pace

After two years of COVID-accelerated branch closures, financial institutions have now slowed the pace of consolidations, but the shuttering of in-store branches continues to accelerate. Meanwhile, super-regional and regional banks have been disproportionate in driving the overall reduction in branch counts.
READ TIME: 2 MINS

Want to go further?

Contact us to learn more about how Curinos can help you navigate today and prepare for tomorrow.