SBIR Phase II: System for Optimizing Sweeps in Banks

SBIR 第二阶段：优化银行扫款系统

• 批准号: 0724285
• 负责人: John Hagan
• 金额: $ 50万
• 依托单位: FinOpTrix, Inc.
• 依托单位国家: 美国
• 项目类别: Standard Grant
• 财政年份: 2007
• 资助国家: 美国
• 起止时间: 2007-10-15 至 2007-11-30
• 项目状态: 已结题
• 来源: https://www.nsf.gov/awardsearch/showAward?AWD_ID=0724285&HistoricalAwards=false
• 关键词: SBIR; Phase; II; System; Optimizing

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.

这个小型企业创新研究（SBIR）第二阶段项目将推进工具的扩展和验证，使中小型银行能够优化其管理存款余额的“扫款”计划。 迄今为止，大多数优化都是基于启发式的，并且适合中小型机构。 所提出的工作方法将体现在具有成本效益的软件应用程序中，部署基于分析和随机优化的专有算法。 与当前的启发式工作相比，它应该提供 15-25% 的改进，并且中小型银行可以负担得起。如果成功商业化，所提出的解决方案将使中小型银行能够更有效地优化存款；解决了约 1.5 亿美元的市场机会。 该解决方案还有机会增强分支机构、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对于所有金融服务中的客户关系管理都有潜在的应用，包括信用卡、保险、经纪服务和电子商务。