SBIR Phase II: System for Optimizing Sweeps in Banks

这一小企业创新研究（SBIR）第二阶段项目将推进一种工具的规模扩大和验证，使中小银行能够优化其管理存款余额的“扫描”计划。 到目前为止，大多数优化都是基于代理的，并且适用于中小型机构。 所提出的努力的方法，这将体现在一个具有成本效益的软件应用程序，部署了一个专有的算法的基础上分析和随机优化。 与目前的银行理财工作相比，该解决方案应能提供15-25%的改进，并且中小型银行也能负担得起。如果成功商业化，所提出的解决方案将能在中小型银行中实现更有效的存款优化，从而解决大约1.5亿美元的市场机会。 该解决方案还可以加强分行、金库现金/ATM网络和其他现金物流业务的现金管理。 此外，改进的客户行为建模具有在所有金融服务（包括信用卡、保险、经纪服务和一般电子商务）中的客户关系管理的潜在应用。

This Small Business Innovation Research (SBIR) Phase II project will advance the scale up and validation of a tool which enables small and medium-sized banks to optimize their "sweep" programs for managing their deposit balances. To date, most optimizations are based on heuristics and are out reach for small to medium sized institutions. The approach of the proposed effort, which will be embodied in a cost-effective software application, deploys a proprietary algorithm based on analytics and stochastic optimization. It should provide a 15-25% improvement over the current heuristics effort and be affordable for small to medium sized banks.If successfully commercialized, the proposed solution will enable more efficient deposit optimization in small to medium-sized banks; addressing an approximately $150M market opportunity. The solution also has the chance to enhance cash management at branches, vault cash/ATM networks and other cash logistics operations. Further, improved modeling of customer behavior has potential applications for customer relationship management in all financial services including credit cards, insurance, brokerage services and e-commerce in general.