Retail Deposit Analyzer/Optimizer Suite
The industry’s most comprehensive deposit intelligence platform – benchmarking, analytics, and pricing optimization that drive measurable outperformance
Drive retail deposit performance with advanced analytics and competitive pricing to improve margins, retain balances, and support profitable customer growth.
Winning in deposits hinges on getting two things right: understanding how the market is moving, and knowing precisely how your own portfolio will respond to change.
The Consumer Deposit Optimizer + Analyzer Suite delivers both. Consumer Deposit Analyzer benchmarks your performance against a peer consortium representing $3 trillion in consumer deposits — roughly one-third of the U.S. market — using account-level data sourced directly from participating institutions, not self-reported figures. You gain visibility into cleared rates, flow of funds, portfolio and acquisition mix, deposit betas, and cost of funds, including the market's only source for marginal cost of funds.
The Optimizer then layers on granular, institution-specific analytics: price elasticity models by product, market, and segment; long-term value estimation; and automated, customizable dashboards that support pricing committee and ALCO decisions.
Backed by 20+ years of established deposit methodology, dedicated Client Success coaching, and ready access to Curinos deposit experts, the suite turns market intelligence into pricing decisions that grow balances while managing costs — through every rate environment.
Product Benefits
Outperform Through Every Rate Cycle
Curinos Deposit Optimizer clients have consistently grown deposits faster than peers while maintaining lower deposit costs — in both rising and falling rate environments.
Price With Precision, Not Reaction
Elasticity models by product, market, and segment reveal exactly where rate moves will drive balance growth — and where you're overpaying for deposits you'd retain anyway.
A Partner, Not Just a Platform
Dedicated Client Success teams onboard, coach, and stay with you — combining structured implementation with year-round access to Curinos' consumer deposit experts.
Our Key Features
Account-Level Peer Benchmarking
Compare performance against customizable peer sets using account-level data across cleared rates, flow of funds, acquisition mix, betas, and the market's only marginal cost of funds source.
Price Elasticity Modeling
Link competitive rates to deposit balance flows to identify profit-maximizing price points, avoid "no man's land" pricing, and target offers where customers genuinely see value.
Actionable Dashboards and Reporting
50+ innovative metrics across 17 dashboards, with automated and live reports built to support ALCO, pricing committee, and rapid product decisions.
Key Stats
Curinos receives weekly anonymized deposit account data covering $3T+ in consumer deposits fueling our proprietary benchmarks and decision intelligence
Curinos Deposit Optimizer clients outperform peers by 15 bps across upward and downward rate environments while maintaining or exceeding balance growth targets
Curinos clients achieved 2.3 percentage points more deposit growth than comparable non-client institutions