Digital Banking Analyzer

Where banks come to learn and evolve 

We go beyond competitive intelligence.

Curinos’ Digital Banking Analyzer provides regularly updated visuals and market-leading analysis of the digital banking arena. The DBA provides access to unique customer journeys across extensive brands in the United States, United Kingdom, and anywhere else financial institutions are accelerating their digital developments. 

Our team of analysts provide market-leading insights into the latest developments to help shape our clients’ digital roadmaps. 

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Digital Banking Analyzer Data
Allows You To Focus On What Matters​

Prioritization

Benchmark and rate your digital platform’s user experience on capability, communication, and ease of interaction.

Implementation

Speed up your design sprints and close competitive gaps quickly with user journeys organized by use case.

Innovation

Expert analysis for the market in which you’re operating. Learn how your market is changing and where your digital experiences need to evolve​.

Inside Our Key Features​

Track User Journeys: Access end-to-end user experiences for onboarding, app servicing and web servicing.

Compare Functionality: Understand what actions your competitors’ users can perform in relation to your own.

See What Customers See: Share regularly updated visuals of competitor user experience journeys across your organization.

Benchmark UX: Compare and rate your user experience on capability, communication and ease of interaction.

Access Insights and Best Practices: Stay updated on what is considered “best practice” across the digital experience through exclusive subscriber content from Digital Banking Analyzer analysts.

We cover the entire financial suite:
The Digital Banking Analyzer offers a comprehensive library of digital journeys, functionality, data, and insight – across all products: retail checking, savings, small business, credit cards, unsecured lending, mortgage, investments, and more. 
 
Gauge gaps and opportunities – all in one place:
Build your next business case with insight into what banks, credit unions, credit card providers, and fintechs big and small are doing – at a regional level and internationally. 
Experience customer journeys through the eyes of the user.
Experience customer journeys through the eyes of the user.
Benchmark feature offerings across banks, credit unions, fintechs and more...
Benchmark feature offerings across banks, credit unions, fintechs and more...
Read insight reports and learn best practices from Curinos subject matter experts
Read insight reports and learn best practices from Curinos subject matter experts

It's no competition.

The Digital Banking Analyzer is the most comprehensive digital banking competitive analysis platform on the market, trusted by 11 of the Top 20 U.S. consumer banks. Here’s why: 

300+
Institutions Tracked​
3,000+
Journeys Mapped
4,500+
Metrics Measured

...but don't take our word for it.

Sorab Shroff, Senior Digital Product Manager

Since becoming a Digital Banking Analyzer client, I’ve been able to quickly verify what other banks do in terms of user experience without having to sign up to ten banks as a customer. It helps us understand the market and better serve our own customers.

HSBC

Senior Digital Product Manager

Providers have different strengths around the world, the Commercial Digital Analyzer is essential to us seeing what they are, so we can build upon them as we continue to innovate our customer journeys.

HSBC

Marcus Burgess, Head of Online and Mobile

The Digital Banking Analyzer gives us a high-level view of which digital feature could give us competitive advantage and a granular view of the mechanics behind such features and journeys. These insights play a fundamental part in the planning, prioritizing, and building of our core user journeys.

HSBC

Our Insights

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September 21, 2023

Curinos Review Fall 2023

Welcome to the Fall 2023 issue of the Curinos Review. No one needs to be reminded that profits at many traditional banks are under intense pressure. But while unfavorable lending performance drove many past downturns, the current challenges are emanating from the liability side of the balance sheet.
READ TIME: 3 MINS

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June 28, 2023

Curinos Review Summer 2023

Welcome to the Summer 2023 issue of the Curinos Review. The liquidity crisis may have abated somewhat, but with net interest margins continuing to compress and loan volume and risk appetite both subdued, the attention now turns to profitability.
READ TIME: 5 MINS
Three Opportunities Curinos has identified three strategies to help financial institutions overcome the challenges of serving the mass market. Acquire customers with a focus on customer lifetime value. Not all mass-market customers are uneconomic. But within the “mass,” there are subsegments that are more attractive on a long-term basis than others for any given institution. The ability to identify prospective customers who contribute higher value to a bank and to deliver impressions directly through the right media channels to reach them is critical to driving acquisition. This requires a marketing approach that is grounded in customer lifetime value, making the return much easier to measure and manage. Ultimately, we believe the intersection between marketing and product innovation is going to become more critical to finding and attracting the mass-market customers. Tiered offers have become very popular over the last few years. Examples include giving a consumer $100-300 for bringing over a checking account and setting up direct deposit or performing a certain number of transactions. Those are followed by a more material offer of $300-$500 for bringing over significant balances. These types of offers align the cost of acquisition with the value that the account will bring to the bank. Getting the offer into the right hands and then creating the right incentive to bring the value to the bank becomes critical moving forward. This intersection of product, offers and marketing will become increasingly important in an environment where quality and personalization outweigh quantity. Use digital personalization to target and onboard the right customers. Banks too often serve customers who come to them (i.e. walk into branches) — an old approach appropriate to the traditional branch-dominated business models. Digital marketing and distinct products allow banks to target their most attractive customers. Once acquired, the need is to maximize value through personalized onboarding and deepening journeys. According to Curinos’ Amplero platform, these strategies can help improve new customer retention by 10% year over year and drive higher cross-sell rates. For customers with more than $5,000 in opening balances, this translates to more than $1,000 incremental CLV in the relationship. Focus on primacy and getting all of a customer’s business. Bankers have always known that relationship is important. Given the difficult economics of the mass market, it has never been more important to own the total customer relationship. With the new mass-market economics, it is essential to not only retain the customer but also to deepen the relationship. Deposits, payments and lending go hand in hand and will lead to a more profitable outcome for the provider. That is especially the case when interest rates are rising and customers may be tempted to chase rate elsewhere. Here again, product innovation and digital marketing will be key. Although market conditions can change, consumer banking economics will continue to get squeezed. Those economics aren’t likely to improve any time soon, putting pressure on financial institutions to adjust their approach to acquisition, retention and relationships.

June 22, 2023

Savings Marketing Spend – Trends And Analysis

The problem with saving is that traditionally there’s nothing inherently enjoyable about it day-to-day, and so marketing has more often than not had to promote the long-term benefits such as life event purchases.
READ TIME: 1 MIN

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