One loop from the gap to the booked balance.
Deposit growth usually lives in spreadsheets, steering-committee slides and email. The platform replaces that with one record per initiative, carried from the first signal to the measured result.
Four stages, one accountable flow
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Visualise See the book
Actual against budget across segment, market, product and currency. The shortfall is broken into named, dollar-sized causes: wallet gap, attrition, maturities, pricing, liquidity and concentration. Each cause comes with the client list behind it.
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Strategise Choose the initiative
Compare initiatives before committing a basis point. Each one is simulated for its effect on balances, cost of funds, CASA and margin, under your own rate outlook. The platform ranks and explains. A person decides.
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Execute Run it as work
An approved initiative becomes tasks for relationship managers, treasury, branch, call centre and digital. Every task has an owner, a due date and an escalation path, and the target client list travels with it.
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Monitor Prove the result
Uplift is measured against the baseline locked at approval. Checks for hot money and for growth the market would have delivered anyway run before a number is reported. Then comes the call: accelerate, adjust or stop.
Two spaces, and one door between them
Ideas and commitments are different things, so the platform keeps them apart.
Experiment
Visualise, analyse, draft an initiative, simulate it against rate and market scenarios, compare it with the alternatives. Nothing here touches a client. Any idea can be thrown away at no cost.
Execute and monitor
Live initiatives only. Tasks go to channels, progress is tracked against plan, results are scored. What happens here is on the record and stays there.
The door between them is approval. Risk, treasury and the asset-liability committee sign, the baseline freezes, and the initiative crosses once. It never goes back to being a draft.
A library of initiatives, each with a trigger
An initiative fires when its signal fires. It is sized in dollars, ranked against everything else in the portfolio and tracked to a measured result.
| Initiative | Segment | Fires when |
|---|---|---|
| Top 100 corporate clients | Wholesale | Concentration in the top 100 passes a threshold, or a ranked client's balance drops. |
| Deposit and lending correlation | Wholesale | The gap between what a client borrows and what it deposits widens beyond a threshold. |
| Primary account through payments and receivables | Business | An account is close to primary but shows no recurring salary or receivable pattern. |
| Operating-balance sweep | Business | An idle operating balance sits above what the model expects. |
| Term-deposit renewal sprint | All | A term deposit is 30 to 90 days from maturity. |
| At-risk-balance outreach | Retail | A balance trends below budget or below model for three months or more. |
| Rate-shopper segmentation | Retail | One price is being paid across clients with very different rate sensitivity. |
Seven of the twelve initiatives running in the proof-of-value environment today. A first deployment starts with the three to five that fit your book, and the library grows release by release. Banks can combine initiatives with their own models or author new ones.
Built for the whole desk
Deposit growth fails when treasury, the desk, the relationship managers and marketing each work from a different number.
- Head of Deposits
- Portfolio trajectory, initiative decisions, the board pack and the value report.
- Deposit analyst
- Saved analyses, root-cause signals, variance breakdown, and the path from a finding to a proposed initiative.
- Relationship manager
- One view of the client, products held, next actions, a task list, and drafted outreach the manager reviews and sends.
- Treasury
- Cost-of-funds build-up, the rate card, a what-if simulator, and the bridge from deposits to net value.
- Asset-liability management
- Liquidity position, LCR and NSFR, run-off behaviour and maturity concentration by week.
- Marketing
- Sequencing across channels, contribution by channel, and rollout status across the target lists.
- Platform administrator
- Users and access, the inventory of AI agents, the controls, and the audit log.
See it run on a synthetic book.
The proof-of-value environment runs the complete loop on synthetic data. We will walk you through it, then talk about running it on yours.