For the Head of Deposits and the people around that desk: treasury, relationship managers, marketing and risk, working from one book, one plan and one result.
Gap by segment
Gap by cause
See
Most dashboards draw a variance. This one names the causes, puts a dollar value on each, and lists the clients behind it. The causes add up to the gap.
How the diagnosis works| Client | Borrows | Deposits with us | Gap |
|---|---|---|---|
| Sunrise Logistics | $210M | $12M | $96M |
| Harbour Foods Group | $164M | $31M | $71M |
| Northgate Energy | $150M | $8M | $64M |
| Calder Medical | $98M | $5M | $47M |
Clients who borrow from the bank and keep their deposits elsewhere.
Act
Risk, treasury and the asset-liability committee sign once. The baseline locks, and the initiative turns into tasks for the channels that will deliver it.
Who approves what| Task | Channel | Owner | Due | Status |
|---|---|---|---|---|
| Agree the relationship rate | Treasury | O. Haddad | 21 Mar | Done |
| Outreach to 44 clients | Relationship | M. Tan | 28 Mar | In progress |
| Offer on operating accounts | Digital | E. Rossi | 2 Apr | Not started |
| Branch pack for six sites | Branch | S. Reyes | 4 Apr | Not started |
Measure
Uplift is measured against the baseline locked at approval. Hot money and growth the market would have delivered anyway are taken out before finance sees a number.
Why we are paid on this figureFrom discovery conversations with deposit and treasury leaders in 2026. These are prospects describing their problem. We have no customers to quote yet.
“We operate in 27 countries and today we do not have instant visibility of the deposits across jurisdictions.”
“Our analysis is still mainly done in Excel and a few legacy systems that need to be upgraded.”
“Our main issue is how to track the initiatives that we implement.”
Four things your risk and architecture teams will ask about first.
An initiative fires when its signal fires. It is sized in dollars and ranked against everything else in the portfolio.
AI reads, drafts and recommends. Approvals belong to named people, and moving money takes two.
Reads from the core and benchmark data. Sends work to the origination, relationship and pricing systems you already run.
The buyer's guide maps the four kinds of vendor that call themselves a deposit solution, gives you ten questions to put to all of them, and lists six situations where you should buy something else.
Read the buyer's guide
Ninety days on your own data. Read-only, one market, one segment. Small on purpose, so the risk of finding out is small too.
One market, one segment, one product line. A named sponsor on both sides. Success criteria written down first.
A data extract or a read-only feed. No change to core banking and no write access.
Visualise the book, diagnose the gap, choose an initiative, execute it and measure it.
Measured against the baseline locked at the start. You decide whether to go on.
If the platform is working, these move. If they do not move, it is not working, and you should not pay for it.
EquiTrak is pre-launch. The platform runs the full loop today in a proof-of-value environment on synthetic data, and the production build is under way. The first proofs of value start in late 2026. If you would rather shape the product than wait for it, talk to us.