Deposits
Attract and retain precious liquidity, grow revenue, and personalize experiences with precise, analytics-driven strategies.
Overview
Succeeding today requires more precise and holistic deposit strategies
Deposits are your gateway to profitable, long-term customer relationships. With changing interest rates, savvy customers, and increasingly more competitors, maximizing your portfolio performance calls for a data-driven, customer-centric deposits strategy that helps you meet your goals without added risk. Our comprehensive suite of deposits solutions combines data-driven analytics, flexible tools, and streamlined decisioning. You need deposit solutions that help you discover, segment, and monitor to stay competitive, now and in the future.
Solutions
FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.
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Deposit Pricing
Maximize portfolio performance, accurately forecast liquidity, and increase customer satisfaction by leveraging industry-leading optimization and price-sensitivity modeling.
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Deposit Price Offer Execution
Apply the same rigor to your deposit pricing that you do to your credit portfolio with a holistic deposit price execution solution built on proven analytics and agile execution.
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Fee Refund Management
Retain fee revenue, reduce costs, and deliver an outstanding customer experience simultaneously with an end-to-end analytics-driven solution.
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Deposit Overdraft Management
Make highly targeted, revenue-producing decisions that balance revenue, risk, and customer satisfaction to set ideal overdraft limits.
I don’t know how we were able to manage our Deposit forecasts and pricing decisions before we had this tool
Technical Details
Discover precise, optimized pricing strategies and then immediately execute those proven strategies through an intelligent, analytics-driven platform designed to modernize processes with agile, compliant, and consistent automation.
Use data-driven insights to create strategies for interest rates, overdrafts, fees, and refunds. Set configurable, de-aggregated rate variables to differentiate pricing between various segments of the deposit portfolio. A multitude of pricing decision points provide the necessary flexibility in identifying significant, value-driving rate strategies.
Establish relationship-based decisions to deliver relevant, meaningful pricing that rewards customers for their holistic bank relationship. Retain profitable customers and gain wallet-share in an increasingly competitive environment.
Seamlessly collaborate across stakeholders in treasury, finance, frontline, operations, risk, and marketing to deliver customer-centric and compliant pricing solutions. Easily access reporting, competitive analysis, model-based forecasting, price optimization, decision review and approval workflows, and rate sheet distribution — all within a single environment.
Streamline decision making at every stage to help maximize portfolio performance. Accurately forecast deposit portfolio volumes across a wide range of product offerings, rate environments, and competitor pricing strategies through the entire product lifecycle. Develop and set new and unique constraints dynamically within scenarios, with no incremental development effort.
Monitor performance and adapt strategies to nurture customer loyalty. Run “what-if” testing capabilities to deeply investigate scenarios and continually inform and fine-tune strategies. Know where you are — and where you’re headed.
Rely on a centralized platform that automates processes and supports compliance across multiple, customer-impacting deposit decisions. The solution provides end-to-end auditability of pricing decisions, providing full transparency into all decisions to help drive fair treatment, auditability, and compliance to regulations.
Case Study
Large Global Bank
Global bank improves trade-offs between growth and margin with consistent modeling, methods, and user experience
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Related resources
Gain fresh ideas and new strategies for making better business decisions with in-depth thought leadership, solution insights, and customer success stories.
White Paper
Context Matters: Considering Macroeconomic Forces in Deposits Pricing
Webinar
Winning the War on Deposits
Webinar
Five Strategies for Driving Always-on, Intelligent Deposit Pricing Decisions
Webinar
Overcoming Challenges to Agile and Optimized Deposit Pricing Execution
Seeing is believing.
Learn how a global bank improved deposit margins by 10%–30% through optimized pricing strategies, efficiently allocating interest expense towards growth objectives.