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

//

February 21, 2023

A Winning Strategy For “Win-Back” Campaigns

Balance runoff is picking up speed in 2023. With interest rates from some direct bank topping the tantalizing 4% mark on a savings accounts - a level not seen since 2007 - depositors are waking up and moving their non-operating cash to higher-yielding alternatives
READ TIME: 2 MINS

//

February 16, 2023

The CD Takes On New Life As Rates Rise

Certificates of deposit (CD) are taking on a bigger role at many institutions that want to lock in deposits before rates rise further, according to the latest data from the CDA Consumer Executive Summary
READ TIME: 2 MINS

//

February 14, 2023

Reality Sets In For Loan-To-Deposit Ratios

The loan-to-deposit ratio (LDR) is a simple measurement used to assess a bank's liquidity by comparing its total loans with its total deposits for the same period
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.