Retail Deposit Optimizer
Precision deposit management
Manage your way to more profitable customer relationships with Retail Deposit Optimizer's deposit pricing model
Retail Deposit Optimizer is the leading application for precision deposit management using Curinos’ proprietary deposit pricing model. The platform intuitively guides financial institutions 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 deposit products and customers.
With over 40 installations and $5T of balances under management, Retail Deposit Optimizer is the most trusted and established deposit pricing model of its kind.
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 trends in your deposit portfolio by incorporating customized segmentation via our proprietary analytic algorithms. Compare granular deposit growth and rate performance to peers with our benchmarking platform built with >$5T of account-level deposit data.
Increase Efficiency And Reduce Risk
Leverage Retail Deposit Optimizer as an interactive data warehouse.
With access to cleaned data and key metrics to support teams across pricing, treasury, marketing, ALCO and more.
Solution Highlights
Retail Deposit Optimizer delivers advanced analytics and business intelligence through a configurable web interface, enabling users to understand drivers of deposit product performance, make better pricing decisions, automate advanced analytics and optimize pricing.
- Business Intelligence
- Product and Pricing Optimization
- Benchmarking
Analyze bank deposit and customer performance, leveraging our proprietary analytic algorithms to understand underlying trends and reveal pockets of upside opportunity.
Optimize your deposit product pricing strategy by leveraging our customer behavior and price elasticity modeling to make balance/rate trade-off decisions across your portfolio.
Compare granular deposit growth and rate performance relative to peers through Comparative Deposit Analytics (CDA), our benchmarking platform built with over $5T of account-level deposit data.
Retail Deposit 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 18, 2025
Retail Deposits: How to Lower Rates Without Losing Deposits—5 Takeaways
March 17, 2025
Curinos Review Spring 2025
September 25, 2024
Curinos Perspective: Down-Pricing in a Falling Rate Environment – State of the Market and 5 Strategic Imperatives
