Case Study: Large Global Bank achieves 10-30% higher deposit margins and better growth-margin trade-offs with FICO Optimization Solution for Deposit Pricing

Global bank improves trade-offs between growth and margin with consistent modeling, methods, and user experience

A large global bank faced the challenge of balancing growth and margin across its lending and deposit businesses and needed a single, consistent pricing solution—one that combined best-in-class price-elasticity modeling, optimization and a user-friendly interface to operationalize predictive analytics globally.

The bank deployed the FICO Optimization Solution for Deposit Pricing with a sequential global roll-out, standardizing models, methods and the user experience while enabling long-term forecasting, what‑if analyses, continuous learning and end-to-end auditability. The result: deposit margins improved 10–30%, faster scenario testing and deployment, better customer segmentation and retention, and a trained global analytics team able to make compliant, customer-centric pricing decisions.