Take Control of Your Deposit Rate and Attrition Modeling
DDA Integrates YOUR DATA into Next-Gen ANALYTICS, Feeding Near-Real-Time MONITORING and REPORTING
in a STREAMLINED, Low-Cost and On-Demand Solution.
What Sets Us Apart
STREAMLINE your process with simple monthly file updates to the bank’s own historical data configured and maintained in a dedicated and downloadable DataEvergreen℠
Apply DDA’s next-gen ANALYTICS to your Bank’s DataEvergreen℠
REPORT your risk results in standard or customized formats designed for your management and regulators
Eliminate repetitive and inconsistent “data studies” and consultant-driven projects.
MONITOR and MANAGE your risk profile on demand in DDA’s Deposit RiskDashboard℠
Are you Consuming your resources on outdated models and methodologies to estimate future deposit rates and balances?
Legacy methodologies for estimating deposit rates and balances have long been recognized as having unreliable outputs. Results may satisfy current minimal regulatory reporting requirements, but are often misleading in the stressed scenarios required for IRR analysis.
They are seldom incorporated into bottom-line business decisions.
The internal processes required to derive and test (especially “backtest”)
rate models and attrition rates are seldom integrated, and are expensive to establish and maintain.
DDA Analytics changes all that.
The DDA Advantage
DDA’s streamlined process integrates your validated historical data with on-demand uploads. The result is DataEvergreen℠ for analysis and reporting.
- We let you see and report your actual position and identify trends on our Risk Dashboard and format (or customize) clear, actionable reports you can rely on.
- We eliminate repetitive and costly consulting projects.
- You get “on-demand” and consistent results: “update-analyze-report”
Move beyond “box-ticking” to decisions driving your bottom line.
Explore Our
Key Features
Deposit Rate Modeling
DDA lets you dynamically set the key product-level pricing parameters and see results.
Back Testing
DDA lets you compare the results of your product configuration against historical results.
Forward Estimation
DDA lets you test your assumptions and choices against the forward curve or your projected rates, and see your results under stress scenarios you design and select.
On Demand
Our streamlined “upload-analyze-report” process makes it easy to log on, upload and go: monitor and report as frequently as you like.
Near Real-Time Attrition Dashboard Reporting
We empower you to dig deeper into your data to reveal the factors that actually drive deposit account opening, closing, and balance management behaviors. There are no “mortality tables” and no black-box “beta factors”.
No More Black Boxes
The “everybody knows it’s true” reality is that current methodologies are conceptually challenged and unnecessarily complex and wasteful; they are often not revealed or clear, and results are often cloaked in technical jargon and Greek letters. Few read them, even fewer evaluate them critically. Virtually nobody relies on their output.
We believe the solution is the integration of good data, superior analytics and transparent modeling that produces output that you can actually incorporate into your business processes, governance and reporting.
Banks & Credit Unions
DDA was designed by and for risk managers, their management and their regulators.
Our goals are to:
- STREAMLINE the process
- ANALYZE real data in real time
- REPORT transparent, actionable results
Vendor Partners
DDA partners with consultants and service providers working with banks and credit unions of all sizes and levels of complexity.
Whether your business model is “referral”, “shared process” or “outsourced risk management”, we’ve got a program for you.
Regulators
DDA is configured for transparency and ease of use, enabling you to demonstrate to your regulators how your risk management process enables ownership and control by integrating your preferences, your assumptions and your data to produce output that is both robust and transparent.”
