Grow Cash Portfolio by Preventing Balance Attrition

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.

Key Capabilities

AI-based balance attrition prediction

• Prioritize client outreach and intervention using a machine learning-driven risk score that predicts the likelihood of client balance attrition
• Improve the detection of portfolio risk with machine learning models that leverage all available internal and external data
• Provide closed-loop feedback to enable AI models to improve over time and identify new patterns

AI-based early warning signals

• Detect early warning signals of abnormal client behavior, including balance patterns, payment activity and product usage, in the context of the external market environment
• Analyze interpretable machine learning model output with actionable insights to improve client relationships, satisfaction, and lifetime value

360-degree customer view

• Unify data from disparate internal and external source systems into a single view of the client’s entire relationship
• Visualize thousands of time-based analytics that model client behavior and expose behavioral patterns
• Observe automatic updates in AI model predictions and changes in behavioral patterns as new data arrive

Balance forecasting and anomaly detection

• Review detailed AI-driven forecasts of client account balances over configurable time horizons
• Detect abnormal client behavior, including anomalous balance and transaction changes that deviate from forecasts

Rate sensitivity and price optimization

• Predict client sensitivity to rates paid and fees associated with treasury, liquidity, and other payments services
• Create targeted rate and product pricing offers using AI to optimize profitability by client

Explainable AI and Interpretability

• Analyze AI recommendations that guide proactive client intervention
• Leverage easy-to-interpret AI insights to devise targeted cash management strategies

Benefits for Application Users

Relationship Managers

Prioritize client intervention activities using AI-based predictions of balance attrition likelihood and identification of anomalous balances using advanced AI forecasting techniques.

Treasury & Liquidity Strategists

Devise targeted rate and pricing strategies in a single interface using AI insights and a 360-degree view of the client.

Treasury & Liquidity Managers

Gain visibility into client account balances, uncover balances at risk by behavioral segments, and direct proactive strategies that reduce portfolio volatility while growing balances.