Deposit Optimizer Essentials
Growing deposits while managing interest expense is more complex than ever in today’s shifting rate environment.
That’s why FIS has partnered with Curinos—bringing together FIS’ core data and Curinos’ advanced analytics and deep industry expertise to help banks navigate this challenge with confidence.
Through this partnership, clients gain access to Deposit Optimizer Essentials by Curinos, seamlessly integrated with FIS IBS and HORIZON core banking systems. This powerful solution enables financial institutions to:
- Diagnose and benchmark deposit performance using account-level data
- Build tailored product and pricing strategies to grow deposits more efficiently
- Inform asset/liability management with deeper insights
- Achieve stronger deposit growth at lower cost, across all rate cycles
Fuel Growth Targets More Efficiently
Optimize promotional pricing, make efficient marginal funding trade-offs & benefit from broad brush methodology used by most financial institutions.
Analytical & Operational Efficiencies
Actionable metrics, shortened decision/action cycle & 50%-90% reduction in analysis and report generation time.
Increase Deposit
Value
Increase duration of customer deposits, improve portfolio mix, increase share of core vs non-core deposits & decrease risk of over-concentrations.
Solution Highlights
Deposit Optimizer Essentials is a web-based platform solution that will allow financial institutions to better identify and work toward growth targets. By optimizing product strategy and pricing levels, institutions can make more efficient marginal funding trade-offs, increase overall analytical and operational efficiencies, and ultimately increase deposit value. Clients will also have access to market leading Curinos consulting expertise via monthly industry insights and quarterly webinars to discuss industry trends and forecasts.
- Web Platform
- Competitive Rate Data
- Emailed Executive Summary
- Expert Support
-
FIS Core Data
Processing Strengths
Executive dashboard with additional views that include industry comparisons.
Comprehensive access to our database of deposit rates by named competitor.
Includes expert commentary commonly included in deposit meeting materials.
A quarterly webinar that covers market trends with live Q&A and expert, dedicated client success support.
Processing Strengths
Our partnership accelerates the onboarding process, resulting in lower time-to-value for IBS and HORIZON core clients.
No Matter The Rate Environment
Deposit Optimizer Essentials Clients Outperform
2Q23 Cost Of Deposits By
Deposit Growth Strategy
2Q23 Cost Of Deposits By
Optimizer/Analyzer Usage
Notes: Includes all traditional brick and mortar banks above $10B in assets, excluding money center banks; price optimization users use the module more than 10% of total business days between August 2022 and August 2023
Source: Curinos analysis of call report financial data
Deposit Optimizer Essentials By The Numbers
DEPOSIT DATA
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 23, 2026
Curinos Review Spring 2026
November 5, 2025
Curinos Review Fall 2025
July 1, 2025
Curinos Review Summer 2025
Let’s turn insight into impact.
Connect with Curinos to see how our AI-first platform helps you accelerate impact, drive profits and grow with purpose.