According To The Data

According To The Data, our thought leadership blog, leverages the deep research and analytical prowess of the Curinos team.

We dig down into the numbers to generate actionable intelligence for financial services professionals looking for edge in an increasingly competitive marketplace.

Concise, visual and insightful – each According To The Data post offers timely and relevant information to keep you informed about key industry trends and help you make better business decisions.

According To The Data, Insights

Exception Pricing: In Wealth, More The Rule Than The Exception

At some financial institutions, exception pricing is being used on up to 88% of wealth savings and money market savings accounts – and on up to 95% of the balances.

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According To The Data, Insights

Exception Pricing: In Wealt...

At some financial institutions, exception pricing is being used on up to...

According To The Data, Insights

CPAs Continue To Soar

Thanks to the unrelenting high-rate environment and the demand financial...

According To The Data, Insights

Profitable Commercial Growt...

Many commercial-banking relationships that had been profitable are now u...

According To The Data, Insights

Mass Affluent: Big Opportun...

Mass affluent customers are desirable. They have steady incomes and larg...

According To The Data, Insights

Personalization: Larger Ban...

Some larger banking institutions are struggling to get their data in ord...

According To The Data, Insights

LMI Lending: Considerations...

Lending in low- to moderate-income (LMI) areas and households is a corne...

According To The Data, Insights

The Key To Digital Retentio...

As all financial institutions have experienced, the retention and qualit...

According To The Data, Insights

Payments: What The Continui...

As consumers and businesses in the U.S. continue to migrate from paper t...

According To The Data, Insights

In Their Digital Experience...

Curinos’ latest U.S. Shopper Survey asked recent checking account switch...

According To The Data, Insights

Deposit Update: Nominal Gro...

Earlier this year, Curinos estimated that retail deposits would be flat ...

According To The Data, Insights

Price Is Driving Changing D...

Mortgage lenders generally seek to make as many loans as they can profit...

According To The Data, Insights

AI’s Value Prop: A Cheaper ...

The various product lines at banks are in constant competition for custo...

According To The Data, Insights

DAF Levels Are Down. What C...

As commercial deposits shift away from DDA, the loss of deposit administ...

According To The Data, Insights

Defining Personalization Is...

There’s a lot of talk about personalization in banking these days and a ...

According To The Data, Insights

For CD Renewals, Job 1 Is “...

Of the $1.5 trillion in CDs at branch banks, 90% will mature in the next...

According To The Data, Insights

The Best Way To Boost Comme...

With rates expected to stay higher for longer, balance rotation from non...

According To The Data, Insights

Targeting Affluent Consumer...

With the cost of acquisition rising and fee revenue falling, the payback...

According To The Data, Insights

TM Fees: How High Can They Go?

Data from the Curinos TM Fee Analyzer indicate that treasury management ...

According To The Data, Insights

Q1 ‘24 Mortgage Trends Sign...

Interest-rate-lock mortgage commitments in the first quarter grew by 27%...

According To The Data, Insights

Rising Excess ECR Poses Ano...

Earnings credit rate DDA balances, already diminished, could be at furth...

According To The Data, Insights

Too Many Tellers Or Too Few...

The pandemic did a number on branch transactions, and we have the number...

According To The Data, Insights

Want More Small Businesses?...

May is National Small Business Month, so now is a great time for financi...

According To The Data, Insights

Better Wealth Retention Sta...

Looking to retain more wealth deposits? Look no further than the primary...

According To The Data, Insights

Home Equity’s Trend Toward ...

Until recently, most of an FI’s home-lending volume originated in branch...

According To The Data, Insights

Creating Better Friction Fo...

Today’s consumers demand a fast and smooth digital experience – no surpr...

According To The Data, Insights

First-Time Homebuyers Are R...

Rates and housing values are at multi-year highs, so there probably aren...

According To The Data, Insights

Commercial: Falling Rates W...

Migration from non-interest-bearing (NIB) commercial deposits to interes...

According To The Data, Insights

How Does Branch Consolidati...

Most regional banks have reduced their branch networks over the last thr...

According To The Data, Insights

2024 TM Pricing Outlook: Ex...

With continued net interest income pressures and competition for deposit...

According To The Data, Insights

Falling CD Rates? Whew! Wel...

Even with higher rates, CD retention rates have been about 85%. That’s t...

According To The Data, Insights

As Rates Fall, Back Books W...

Relatively low-priced commercial back books present headwinds to meeting...

According To The Data, Insights

Last Year’s High-Rate CDs A...

Financial institutions will need to sustain high CD rates to retain bala...

According To The Data, Insights

Innovators Push Funding Of ...

To gain primacy, leading financial providers target the funding journey ...

According To The Data, Insights

FHA Rates Are Attracting Hi...

The biggest rate gap in 15 years between FHA and conforming loans has bo...

According To The Data, Insights

Banks May Have Turned The T...

After well over a year of significant outflows, commercial deposit balan...

According To The Data, Insights

Want Small Business Deposit...

By providing small businesses access to credit and other services, banks...

According To The Data, Insights

CD Growth Still Strong, But...

Even though their growth may be slowing, CDs will continue to represent ...

According To The Data, Insights

Wealth Clients Were Late To...

Banks should adopt the high-touch, personalized engagement of wealth adv...

According To The Data, Insights

AI-Powered Personalization ...

AI continuously updates optimization so marketers don’t have to.

According To The Data, Insights

Q4 Mortgage Volume: Weak Ov...

Data across Curinos’ retail consortium reveal that independent mortgage ...

According To The Data, Insights

Earnings Credit Rates Are F...

ECRs are headed upward as more corporate clients realize they may be bet...

According To The Data, Insights

New Primary Relationships A...

Driven by the mass market, fintechs now account for 40% of new banking r...

According To The Data, Insights

Growing Deposits Is Getting...

At today’s high mCOFs, FIs need innovative, data-driven deposit pricing ...

According To The Data, Insights

There’s High Repricing Risk...

Almost half of savings and MMDA deposits are still priced under 25 bp, s...

According To The Data, Insights

Home Equity Is Positioned F...

Curinos’ Home Equity Forecast predicts that demand for HE products will ...

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