Commercial Optimizer
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
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.
Analyze customer vintages to better understand the long-term and sustained success of newly acquired customers.
View standard, or generate custom performance reports, which typically support the bank pricing committee and ALCO.
Understand underlying customer behaviors concerning customer primacy, and leverage information for targeted customer outreach and pricing decisions.
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
What Our Clients Are Saying
I don’t know what I don’t know. Your data is enlightening, especially in this market.
Regional Midwest Bank
Such a great tool. When the margins are thin, we need to be smarter to understand market opportunities.
Southeast Regional Bank
Given the last few months [market conditions], you guys are more important than you have ever been. I didn’t have to pay close attention to margins before… now I do.
Existing Benchmarking IMB Client
I love all of it. Sometimes we go in blind when we make recommendations. Now those recommendations would be much more powerful.
Large West Coast Credit Union
Our Insights
March 17, 2025
Curinos Review Spring 2025
June 27, 2024
Commercial: How To Deal With Declining NIB Deposits
June 27, 2024
Curinos Review Summer 2024
