Regional banks are losing billions in deposits to competitors and alternatives.
Today, FinMain and Synerise launched FinMain Foresight Powered by Synerise, a predictive AI platform that helps banks stop attrition before it starts. Foresight uses AI to reliably identify which clients are at risk of moving significant deposit relationships in the next 30–90 days, enabling banks to intervene before balances are lost. Separately, Foresight also detects which clients exhibit the most proclivity to deepen an existing bank relationship. Following its deployment, Foresight increased the accuracy of attrition and relationship deepening predictions by 340% and 69%, respectively, compared to legacy bank approaches.
“As a former bank CEO, I know how critical core deposit stability and growth are to reliable performance, profitability and valuation. The Foresight platform gives management teams a practical lever to reduce funding volatility, lengthen deposit duration and improve earnings predictability,” said Jim Smith, Managing Partner of JCS Advisors, former Chairman and CEO of Webster Bank, and an advisor to the FinMain Foresight Powered by Synerise team. “I brought Synerise and FinMain together because I believed that FinMain could deliver the Synerise advantage to small and midsize banks and enhance their ability to compete with the mega banks. Had Foresight been available while I was in the seat, I’d have signed on in an instant to this globally proven solution.”
While deposit funding remains the lifeblood of a bank’s business model, regional and community banks face an increasingly uncertain growth environment.
Capgemini’s 2025 World Retail Banking Report highlights that 74% of customers are either indifferent or unhappy, leading to "silent attrition"
- Low-cost deposits are increasingly competitive and compressing net-interest-margins
- Traditional Money Market products and emerging offerings like Stable coin elevate the battle
- The 2023 liquidity episode demonstrated how quickly uninsured deposits can destabilize
- Analysts expect increased bank M&A, upping the stakes for acquirers to retain relationship
In partnership with a U.S. regional bank, FinMain Foresight Powered by Synerise was able to identify with high accuracy clients that were planning to move deposits. The platform’s top 10% client predictions accounted for approximately 40% of total portfolio attrition while the top 30% covered about 70%.
“Deposit growth is existential for regional and community banks,” said Will Callender, President of FinMain. “FinMain Foresight Powered by Synerise gives banks the ability to anticipate and act upon outflows before they happen. A simple factor in growing deposits is keeping the ones you already have.”
Separately, the model was also trained to identify existing clients that demonstrated a willingness and interest in expanding their banking relationship. These results out performed incumbent bank approaches by 69%.
This uplift in targeting accuracy also provided tangible operational benefits:
- Higher confidence in relationship manager outreach
- Less time spent on false positives
- Improved resource allocation across retention workflows
“Synerise’s AI models have been proven across global markets for precision and scalability,” said Cezary Pietrasik, Co-owner of Synerise. “In developing FinMain Foresight Powered by Synerise, we’re bringing that same predictive capability to U.S. banks - helping them outperform legacy approaches and set a new standard for deposit analytics.”
These results were achieved by leveraging the bank’s structural and behavioral data hosted on its internal infrastructure - data never needed to leave the bank’s own environment. Results were passed into the CRM of record for action by the bank’s retention team.
FinMain Foresight Powered by Synerise is available now to regional and community banks nationwide.
To schedule a conversation on how your bank can reap the benefits, contact the media team below.
About FinMain
FinMain provides digital infrastructure specifically for regional and community banks, which accelerates digital transformation. FinMain bridges a bank’s systems of record with best-in-category white labeled products that embed many of the leading fintech componentry available.
About Synerise
Synerise delivers a behavioral data infrastructure driven by AI, offering an end‑to‑end platform to collect, analyze, and interpret behavioral data and to predict, decide, and personalize customer experiences at scale. The Unified Synerise Experience Platform powers actionable analytics, ML‑based scoring, propensity models, recommendations, and orchestration across channels.
Media Contact
Martyna Smak
martyna.smak@synerise.com
FinMain — www.finmain.com
Synerise — www.synerise.com
