You already model balances precisely. The real question is whether your assumptions reflect how customers actually behave when rates move.
 
Deposit betas, runoff, prepays, and credit behavior drive ALM, and pricing but many banks still rely on static studies or spreadsheets built for a calmer environment. That gap is where risk hides, and where regulators focus.
 
Empyrean Model IQ brings transparent, institution specific behavioral models directly into Empyrean‑specific behavioral models directly into Empyrean ALM, so assumptions evolve as conditions change.
 
See how the Deposit IQ module of Model IQ modernizes deposit behavior modeling.