Liability Master
Liability Master is an AI-powered liability optimization engine designed to help banks and fintechs maximize deposit growth, increase card adoption, and automate cross-selling. By leveraging real-time data and advanced machine learning algorithms, Liability Master targets unfunded customer accounts—such as savings, fixed deposits, money market funds, and checking accounts—to generate tailored financial solutions that promote both customer engagement and revenue generation.
Core Features
Our AI-powered liability optimization engine delivers powerful capabilities for your financial institution
Dynamic Pricing Engine
This feature continuously analyzes a bank's liquidity needs and market conditions to set optimized deposit interest rates. It ensures that the bank operates at the lowest possible cost while still attracting deposits.
- Market interest rates comparison module
- Interest rate recommender based on dynamic pricing engine
- Interactive dashboard: A dashboard display might show "Current Optimized Interest Rate for Savings Account: 1.75%" alongside comparative historical rates and projections for the next quarter
Use Cases
Discover how Liability Master can transform your financial institution's approach to liability management
Credit Scoring & Loan Approvals
Leverage dynamic, data-driven risk models to improve credit scoring and streamline loan approval processes. The system uses historical data and real-time financial behavior to assess risk more accurately, thus improving decision-making.
Example of Product Usage:
A bank might use Liability Master to refine a customer's credit score that factors in consistent savings deposits, resulting in a 10% reduction in default rates.
Deposit Rate Optimization
Adjust interest rates dynamically to maintain optimal liquidity levels while remaining competitive. The feature provides continuous adjustments that help attract and retain depositors.
Example of Product Usage:
A real-time alert might display "Adjusting deposit rate from 1.65% to 1.75% to align with current liquidity needs." — leading to 15% uptake in new deposits during the targeted period where interest rates were increased for consumers based on real-time analytics
Credit & Debit Card Growth
Drive higher card activations and spending by offering personalized, AI-curated card products. The engine determines the best offers to increase customer engagement and boost card usage.
Example of Product Usage:
An AI-triggered promotional campaign might boost card activation rates by 10%, as observed in pilot projects with personalized digital offers sent via mobile banking apps. The promotional campaign message could read "Activate your card now to enjoy an exclusive 10% discount on dining and travel during Easter Holidays."
Automated Loan & Product Upselling
The product proactively identifies customers who might benefit from additional financial products—such as loans, credit cards, or savings plans, by analyzing their financial habits and transaction trends.
Example of Product Usage:
If a customer displays a pattern of building a healthy savings plan, we can recommend a premium savings plan and even present a favorable loan offering. A pop-up notification in the banking app might suggest, "Based on your recent deposit activity, consider applying for our low-interest personal loan."
Customer Retention & Engagement
Improve customer loyalty by providing context-aware financial recommendations that keep users engaged. The product recommends offering tailored messaging based on the customer's life cycle stage and recent interactions.
Example of Product Usage:
Customers identified for a potential decline in account activity may receive offers for exclusive financial planning sessions or loyalty rewards, which can reduce churn by up to 15%.
Proven Results
Clients who have adopted Liability Master have achieved significant improvements in their liability management initiatives
Increase in Card Activations
Increase in Deposit Growth Across Targeted Customer Segments
increase in additional product take-up
reduction in Customer Churn
Liability Master has transformed our approach to deposit growth and card activation. The AI-driven insights have helped us create highly targeted campaigns that resonate with our customers.
Sarah Johnson
Chief Marketing Officer, First National Bank
