FICO® Deposit Overdraft Line Optimizer

Implement analytically derived overdraft shadow limits dynamically at the account level, across the entire deposit portfolio

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Solution Sheet

As banks begin to reap the rewards associated with applying advanced analytics to credit accounts, they are now looking to use the same techniques for improving deposit processes and decisions, as well as customer experience and revenue. Overdrafts are an integral component of a successfully managed deposit business with overdraft fees driving more than 50% of all deposit noninterest revenue; however, most banks set deposit overdraft limits at the product or segment level, limiting risk exposure but also affecting profit potential and customer satisfaction.

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