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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September 21, 2023

The Moat You Thought You Had? It’s Been Breached

Pandemic. Near-zero rates. Surge deposits. Those were the days. The realm was secure from interlopers – or so it seemed.
READ TIME: 6 MINS

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September 21, 2023

Higher Rates Push Banks To Draft A CD Maturity Playbook

In 2020, with interest rates in freefall during the pandemic and the Federal Reserve committed to accommodative policy, demand for CDs evaporated.
READ TIME: 7 MINS

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September 21, 2023

Curinos Review Fall 2023

Welcome to the Fall 2023 issue of the Curinos Review. No one needs to be reminded that profits at many traditional banks are under intense pressure. But while unfavorable lending performance drove many past downturns, the current challenges are emanating from the liability side of the balance sheet.
READ TIME: 3 MINS

Want to go further?

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