Three years ago, we discussed how depositors would awaken to material earnings opportunities as rates rose. That awakening has evolved far beyond most 2022 expectations. Today’s depositors have AI-powered tools optimizing their choices.
The industry now faces “The Great Money Migration”—seven converging forces creating unprecedented deposit mobility, including non-bank competition offering 4%+ returns, regulatory changes eliminating historical restrictions, and AI tools that negotiate on depositors’ behalf. CFOs must move beyond static rate sheets to more sophisticated approaches that “let sleepers sleep, show respect to the curious, and negotiate skillfully with rate shoppers.”
This session delivers advanced strategies proven to improve deposit profits by 10-40 basis points:
- AI-Powered Competition Response: Strategic frameworks for competing against technology-enabled depositor tools while maintaining profitability
- Dynamic Deposit Management: Moving from static pricing to intelligent platforms that optimize retention and acquisition
- Redeemable CD Innovation: Patent-protected approach eliminating traditional CD flaws by aligning withdrawal incentives with business objectives
- Sequential Sales Implementation: Multi-product strategy maximizing relationship value through Promotional, Standard, Negotiated, and Retention Offers
Drawing from recent client results delivering $18.2 million in cost reductions compared to wholesale funding, this session provides CFOs the strategic framework and implementation roadmap to transform deposits from defensive cost center to durable competitive advantage.