Analytics & ML
Leverage our patented AI techniques to develop your advanced analytics and train your ML models to deeply understand and predict customer behavior.
Deposits
Attract and retain precious liquidity, grow revenue, and personalize experiences with precise, analytics-driven deposit strategies and execution.
Deposits by the numbers
%
of FICO survey respondents expect an offer from their bank to open a deposits account.
%
potential annual banking loss if deposit portfolios are not defended.
%
of savers cite the ongoing need to build, fund, and maintain an emergency savings deposit fund.
Overview
Deposits are your gateway to profitable, long-term customer relationships.
Execute with innovation and flexibility to grow deposit account margins by 10%-30% by using relationship-based pricing to reward profitable customers. Preserve liquidity with industry-leading analytics and price-sensitivity modeling. Help stakeholders across all banking departments collaborate to offer attractive, yet compliant, pricing.
- Discover insights
- Streamline decisions
- Monitor performance
- Improve customer experience
Seamless integration every step of the way
Seamlessly collaborate across stakeholders in treasury, finance, frontline, operations, risk, and marketing to deliver customer-centric and compliant deposit 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.Automated with a centralized platform
Rely on a centralized platform that automates processes and supports compliance across multiple, customer-impacting deposit decisions.End-to-end auditability
Leverage end-to-end auditability of pricing decisions, providing full transparency into all decisions to help drive fair treatment, auditability, and compliance to regulations.
Holistic deposit price and rate strategy plus execution built on proven analytics
Using advanced analytics, optimize a set of rates and terms for each individual customer (or segment) based on differences to rate sensitivity. Retention rates can be presented to customers via self-service channels or through banker-managed market tools. Empower frontline staff to offer a targeted rate or have them engage customers with analytically derived discretion as part of the retention discussion.
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Deposit Pricing
Maximize deposit 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.
Why FICO?
With FICO, you have the capabilities to balance all your needs, with the flexibility to use only what you require. No other technology partner can blend analytics with decisions and give banking clients the flexibility to design solutions to their exact specifications.
Case Study
Large Global Bank
Global bank improves trade-offs between growth and margin with consistent modeling, methods, and user experience
“I don’t know how we were able to manage our deposit forecasts and pricing decisions before we had this tool.”
US CEO
Large Global Bank
Capabilities
FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.
Decisions
Make more precise, consistent, and intelligent decisions across your enterprise with expert control over your decision logic.
Governance
Enforce overall management of the entire ecosystem so you can move quickly and with confidence.
Simulation
Give your business users the crystal ball they need to creatively explore ideas, respond to emerging trends, and build better decisions.
Optimization
Unleash the power of mathematical optimization — use high-performance solvers to model business problems and calculate the best possible decision to maximize your desired outcomes.
External Data Access
Inform your decisions and enrich your insights with signals from third-party data and other alternative data sources.
Testing & Validation
Ensure your configuration drives the desired outcomes by testing and validating business services across FICO® Platform.
Composition & Orchestration
Choreograph your intelligence to animate customer journeys by weaving data, insights, and actions into positive, memorable, and valuable moments in your customers lives.
Solutions
FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.
Next Best Offer or Experience
Put your customer at the center of all that you do.
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Next Best Sale or Experience
Do you know the true value of your customer relationships?
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Offer Personalization
One size doesn't fit all. Deliver the right offers, when and where it matters.
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Onboarding
Is friction interfering with your seamless onboarding experience and hampering your new customer growth?
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Originations
Open more accounts, retain, and grow your customer base without increasing exposure to risk.
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Seeing is believing
Learn how a global banking client improved deposit margins by 10%-30% through optimized pricing strategies, efficiently allocating interest expense to fund future growth objectives.