depositfinancial
Depositfinancial is a term used to describe the collection, management, and stewardship of customer deposits within the financial system. It encompasses the products, processes, and policies by which banks, credit unions, and digital lenders obtain and retain funds from retail and corporate clients, and how those funds are deployed in lending and other investments.
Typical deposit products include checking and savings accounts, term deposits, and certificates of deposit, as well
Industry participants range from large commercial banks to regional institutions and fintech entrants. Their deposit bases
Regulation plays a central role in depositfinancial, with authorities overseeing deposit safety, reserve adequacy, and consumer
Risks associated with depositfinancial include liquidity risk, interest-rate risk, and, for platform-based models, cyber and operational