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’ propriety 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.

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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
Business Intelligence

Analyze bank deposit and customer performance, leveraging our proprietary analytic algorithms to understand underlying trends and reveal pockets of upside opportunity.

Product and Pricing Optimization

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. 

Benchmarking

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

$5T
Tracked
180,000,000
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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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

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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

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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.