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.

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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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November 20, 2023

A Preview Of The Coming CD Renewal Surge

Early returns from the looming tidal wave of CD renewals show that retention is holding up. But it’s still early, and deposit rates are likely to remain elevated. So a well-honed CD-renewal strategy in 2024 will be more important than at any time in the last 15 years.
READ TIME: 2 MINS

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November 15, 2023

Now May Be The Time For A Brand Refresh

In today’s highly competitive digital environment, maintaining brand equity to engage today’s customers and digital natives is becoming increasingly important, and challenging. That’s why several of them have recently taken on a whole new brand identity.
READ TIME: 1 MIN

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November 8, 2023

Branch Count Continues Downward, But At A Slower Pace

After two years of COVID-accelerated branch closures, financial institutions have now slowed the pace of consolidations, but the shuttering of in-store branches continues to accelerate. Meanwhile, super-regional and regional banks have been disproportionate in driving the overall reduction in branch counts.
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.