The Decision Intelligence Platform for Banking

Don’t out-spend the competition. Out-decide them.

Customer-facing decisions keep getting smarter with the Decision Intelligence Engine in Curinos One.

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Head of Retail: KPI tracking and analysis of what’s driving the lift, in one unified view.

The Decision Gap

Most banks don’t have a data problem. They have a decision problem.

Three problems. One root cause. There’s a gap between you and your customers and the gap is getting wider.

Acquisition cost is rising and funding quality isn’t keeping pace.

126%

more expensive to acquire

Industry CPA for new checking customers since 2018.

More spend. More accounts opened. Fewer relationships that fund and stay. And the ones that do take longer to break even. Historically year two, now year four.

You’re paying more to acquire customers who deliver less.

The growth opportunity is already inside the book.

50%

of switchers spread across four banks or more

Up from 7% in 2019.

Long-tenured customers. Multiple products. Balances deepening somewhere else, not because they left, but because no one identified the opportunity and made the right move at the right moment.

You have the account. Someone else has the balance.

Attrition is accelerating, but the signal arrives too late to act.

<1%

of prospects generate meaningful value

Most of what you spend on acquisition never comes back.

By the time departure shows up in a report, the decision to leave has already been made. Acquisition, deepening, and retention are watching different metrics in separate systems and none are watching the same customer.

By the time you know who mattered, they’ve already left.

Curinos Analysis

The gap is not a data problem.
It’s a decision problem. And we solved it.

Platform

One decision engine. Five outcomes. One closed loop.

Curinos One is that answer, built to close all three: by targeting the right customers before the first dollar is spent, by finding the wallet share already inside your existing relationships, and by reaching customers with the right offer at the moment it can still change their behavior.

All your signals come together: first-party data, third-party signals, the cross-bank intelligence your bank already trusts. The engine observes, decides, acts, and learns from every outcome. Getting smarter with every cycle so you reach the right customer before your competitors do.

Available

Curinos One Capture

New Relationship Acquisition

Target the customers most likely to fund and stay, before the campaign budget is set.

Sizes the quality deposit opportunities
Evaluates and compares spend scenarios
Tracks funded balance outcomes wave by wave, and gets smarter

Curinos One Compound

Deposit Deepening

Find the wallet share already in your book, and reach it before a competitor does.

Maps wallet share by customer segment
Sizes each opportunity and turns it into a live activation strategy
Brings intelligence directly to the banker having the conversation today

Coming Next

Curinos One Commit

Primary Relationships

Turn new relationships into primary ones, before the window closes and the choice is made elsewhere.

Curinos One Conserve

Customer Retention

Act on attrition signals before the decision to leave has already been made.

Curinos One Calibrate

Yield Optimization

Price at the customer level, not the portfolio level.

Curinos One Preview

See Decision Intelligence in action.

Watch an overview of the platform. What it observes, how it decides, where it acts, and what it learns.

Results

What happens when the right decision reaches the right customer.

Better decisions produce better results. Curinos One learns from every interaction; every decision cycle starts smarter than the last.

130%

Higher average DDA balances at 120 days

vs. mail control, West Coast Regional Bank

$1.6B

Incremental new-to-bank balances since launch

Top Digital Bank, Curinos One Compound

77%

Of account openers chose the premium checking product

vs. 43% organic, a Southeast Regional Bank

“The always on engine enables us to create that personalization at scale across multiple channels.”

Chief Consumer Product & Client Solutions Officer

A Southeast Regional Bank

Capture

Acquire the customers who will fund and stay.

Curinos One Capture starts where most acquisition campaigns end. It ranks prospects by predicted deposit quality, not historical response rates. The metric that matters: funded balances at 120 days.

See Capture

Capture market opportunity map: prospects ranked by predicted deposit quality across DMAs.

Compound

Grow the balances your competitors can’t see.

The deposit growth already sitting in your book, identified before a rate offer becomes the answer. Same platform. Same cross-bank data. New job: find where the wallet is going, and get there first.

See Compound

How It’s Built

The architecture underneath every decision.

Every decision Curinos One governs rests on four architectural commitments. This is what sets it apart from a campaign tool, a reporting layer, or a model someone built last year.

The Data Foundation

Built on deposit behavior, pricing dynamics, and relationship signals accumulated across the industry over decades. The same intelligence already shaping how your institution thinks about performance, now a proprietary data foundation no consumer data company can access and no internal team can rebuild, connected to every growth decision you make.

The Decision Loop

A closed-loop system built for outcomes, not a campaign tool, not a reporting layer. Every customer evaluated continuously. Every action selected, activated, and measured. Every outcome feeds the next decision. Human-governed decisioning at every step.

Transparent by Design

The model shows its work. Every decision is auditable: which signals drove it, what outcome it was calibrated to produce, and how results are measured against a defined control group. Built for the analytics lead who needs to defend the methodology and the CFO who needs to trust the attribution.

Built Into Your Stack

The platform connects to the systems your teams already run: your existing CRM, email, and marketing infrastructure. No replacement. Built on a non-disruptive overlay architecture. The intelligence layer sits above your existing stack and governs the decisions that flow through it.

Curinos One connects to the systems your teams already use.

Coming Soon

The technical deep dive.

The closed-loop methodology, control group design, audit trail, and integration patterns, for the analysts and ops leaders who’ll evaluate, deploy, and operate the platform.

Get in Touch

For Each Leader

One platform.
Every lens your team needs.

The same platform. Coordinated decisions. Every leader sees what they need to drive the outcomes you share.

Head of Retail Banking

Curinos One governs the full picture. Acquisition, deepening, and retention running as one connected growth agenda, not three separate. Every leader on your team sees their version, tuned to the outcomes they own.

Finally, one view of the full growth agenda. And the decisions to act on it.

Get in touch

Head of Product

Curinos One identifies where real growth potential exists, in new relationships and in your existing book. Behavioral insights show how your customers engage with your bank vs. the industry, so the right strategies reach the right customers through every channel, including directly to bankers.

More growth. Less rate. Better margin.

Take the Compound walkthrough

CMO

Curinos One tells you which products will resonate, for which customers, at which moment. Your teams decide the strategy. The platform governs which offer reaches which customer and when. Your existing tools execute. Every decision connected to the outcomes that matter; auditable, defensible, CFO-ready.

Marketing spend that shows up in growth, not just the campaign report.

Take the Capture walkthrough

Marketing Analytics

Curinos One runs the measurement infrastructure so your team doesn't have to build it. Rigorous tests against identical holdout groups. Every variable tracked. Every decision auditable. Your time goes to the analysis only you can do.

No methodology to build. No audit trail to maintain. Results you can defend.

See the methodology overview

Marketing Operations

Curinos One supports the targeting and channel orchestration your team currently manages, at scale and speed no team can match. Your existing CRM and campaign tools execute. A non-disruptive overlay over your existing stack.

More throughput. Same team. Nothing replaced.

See the deployment overview

Go Deeper

Go deeper on deposit intelligence

Research, frameworks, and perspectives from the team behind the industry’s benchmark data.

The Widening Divergence

Consumer deposits reveal a K-shaped economy. Affluent depositors are pulling ahead while lower-balance customers fall behind.

The Advice Gap

Customers across every segment increasingly expect financial guidance from their bank, and fewer believe they’re getting it.

Precision Is the New Advantage

Only 10% of banks hit their growth targets last year while acquisition costs doubled. Precision targeting is what closes the gap.

Agentic AI Won’t Fix Broken Decisioning

Without a unified data foundation, agentic AI just accelerates siloed decision-making at scale.

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