Deposit Pricing demo
A member's rate request becomes a thread: agents answer with a counteroffer, its cost and its chance of keeping the money, and a named approver decides 1:27
What the demo shows
Treasury and retail leaders get rate recommendations and approve exception pricing
A branch manager writes one sentence and attaches the member's offer. Six of the eight agents reply in the thread: the member's relationship from the core banking system (14 fields only), whether the offer is like for like, the same-term cost of FHLB and brokered funding, the chance the money stays at each rate with its band and model version, how members in like circumstances were treated, and who may approve under the authority matrix. They close with a counteroffer in plain words; the approver approves, counters with a live rate dial or declines with a reason, and the requester never approves. Approval generates the Truth in Savings disclosure. Exception patterns feed the weekly board-rate proposal and the monthly exception report to ALCO.
Transcript
- Deposit Pricing gives a credit union rate recommendations and governed exception pricing.
- The average bank manages about thirty thousand deposit prices.
- A branch manager writes: the member asks four point six percent on three hundred fifty thousand.
- Six agents answer in the thread: relationship, offer, other funding, and the chance she stays.
- Their counteroffer, four point four five, costs a thousand fifty a year over the board rate.
- Two hundred forty-five more than Home Loan Bank funding, with an eighty-four percent chance she stays.
- Marisol checks members in like circumstances: plus thirty is the median.
- She approves with a reason code. Dana requested it, so Dana never could.
- The Truth in Savings disclosure is generated from the approved terms.
- Every step, source and model version is on the record.
- Result: an answer while the member waits, every exception priced against other money.
- Built on Botminds: agents, data, screens and governance on one platform.
The narration as written for the film. Captions are on the player.