Systems and methods for providing machine learning based estimations of deposit assets

A method comprising:

• training a sub-model, executed by one or more processors, on accounts existing for a time at a financial institution based on deposit balances associated with the accounts during a time window to predict synthetic balances associated with the accounts;
• generating, by the sub-model executed by the one or more processors, a prediction of synthetic balances for each account associated with a deposit account at the financial institution;
• generating, by the sub-model executed by the one or more processors, a prediction of synthetic balances for individuals in a geographic area;
• transforming, a computer program executed by one or more processors, with a mathematical transformation, the predicted amount of deposit assets to match a corresponding percentile range defined in a publicly available household asset survey or benchmark;
• determining, by the computer program, a final estimate for the predicted amount of deposit assets, wherein the final estimate is determined to be in proportion with an estimated total of individual or household deposits;
• and
• allocating resources, based on the determination, to a geographic area and time.

A computer processing system comprising:

• a memory configured to store instructions;
• and
• a hardware processor operatively coupled to the memory for executing the instructions including:
• training a sub-model, executed by one or more processors, on accounts existing for a time at a financial institution based on deposit balances associated with the accounts during a time window to predict synthetic balances associated with the accounts;
• generating, by the sub-model executed by the one or more processors, a prediction of synthetic balances for each account associated with a deposit account at the financial institution;
• generating, by the sub-model executed by the one or more processors, a prediction of synthetic balances for individuals in a geographic area;
• transforming, a computer program executed by one or more processors, with a mathematical transformation, the predicted amount of deposit assets to match a corresponding percentile range defined in a publicly available household asset survey or benchmark;
• determining, by the computer program, a final estimate for the predicted amount of deposit assets, wherein the final estimate is determined to be in proportion with an estimated total of individual or household deposits;
• and
• allocating resources, based on the determination, to a geographic area and time.