AI-Enabled Cash Management to Help Liquidity Managers Prevent Churn and Increase Profitability

C3 AI® Cash Management uses sophisticated machine-learning techniques to help liquidity managers gain visibility into client cash balances and prioritize actions to both prevent balance attrition and win additional balance with optimized rate offers. The application leverages advanced AI algorithms to quantify client rate sensitivity and predict the clients most likely to reduce or end their relationship with the financial institution. These rate sensitivity insights enable liquidity and relationship managers to take targeted action in near real-time.

C3 AI Cash Management integrates and correlates data from multiple internal and external sources, including deposit balance data, transactions, product usage, pricing, client rate data, credit data (e.g., credit utilization, internal credit scores), federal funds rates and other external market data (e.g., yield curve, money supply, market performance). This unified data set represents a daily 360-degree view of each client, enabling predictive analytics, rate optimization, and detection of anomalous transaction and balance behavior. The unified, correlated data provides both liquidity managers and relationship managers with contextual information to optimize rate strategies.

In addition to unified internal and external data, C3 AI Cash Management provides interpretable warning signals that drive the churn predictions. The models are easily configurable, with the flexibility to optimize client rate strategies in changing interest rate environments.