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Article
Banks Rethink Deposit Risk in Digital Era
A senior treasury analytics executive warns banks must rethink traditional deposit modeling as digital banking, rate sensitivity and AI-driven customer behaviors reshape liquidity risk and balance sheet management.
May 26, 2026
Center for Financial Professionals ,
Tags:
ALM, Treasury and Liquidity Risk
The views and opinions expressed in this content are those of the thought leader as an individual and are not attributed to CeFPro or any other organization
- Digital banking is
rapidly weakening traditional assumptions around deposit stickiness
- Customers can now
move money instantly and compare rates in real time
- Rising rate awareness
has increased deposit sensitivity and funding competition
- Banks face
significant liquidity and reputational risks if deposits are poorly
modeled
- Deposit frameworks
are shifting toward granular behavior-driven analytics
- Treasury teams are
relying more heavily on transaction data and economic indicators
- AI and large language
models are improving forecasting but still require human oversight
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