According To The Data

Welcome to 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.

Better Wealth Retention Starts With Checking

Looking to retain more wealth deposits? Look no further than the primary checking account. Wealth clients with both checking and rate-based products – savings, money market savings and/or retail CDs – are 15% more likely to stick around on average than those without checking.

Wealth advisors generally focus on a client’s investments as “someday” money. But with today’s higher rates on wealth savings accounts and retail CDs, they’ve been competing more and more for the less-distant “tomorrow” money. That can get expensive without a client’s checking relationship – the “today” money – because those clients are more likely to chase rate elsewhere.

According To The Data // Insights

April 23, 2024

Home Equity’s Trend Toward Digital Will Only Get Stronger

Until recently, most of an FI’s home-lending volume originated in branches, and home equity was no exception.

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According To The Data // Insights

April 18, 2024

Creating Better Friction For P2P Payments

Today’s consumers demand a fast and smooth digital experience – no surprise there. But as retail checking providers try to gain traction in the increasingly competitive P2P space, their customers say they’d welcome a little more friction in exchange for a lot more security.

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According To The Data // Insights

April 16, 2024

First-Time Homebuyers Are Reshaping The Market

Rates and housing values are at multi-year highs, so there probably aren’t many first-time homebuyers (FTHB) entering the market, right? Not so.

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According To The Data // Insights

April 11, 2024

Commercial: Falling Rates Won’t Stop Deposit Flow To IB

Migration from non-interest-bearing (NIB) commercial deposits to interest-bearing (IB) continues. It’s no mystery: The market rate for IB is about 400 bp, nearly five times what NIB deposits earn.

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According To The Data // Insights

April 9, 2024

How Does Branch Consolidation Affect Your Results?

Most regional banks have reduced their branch networks over the last three years, but there’s been significant divergence in their results, according to Curinos’ BranchScape.

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According To The Data // Insights

April 4, 2024

2024 TM Pricing Outlook: Exception Pricing Gains

With continued net interest income pressures and competition for deposits, treasury management (TM) pricing is one of the quickest levers to pull to drive fee revenues and protect balances at risk of remixing to interest-bearing options.

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According To The Data // Insights

April 2, 2024

Falling CD Rates? Whew! Well, Maybe Not.

Even with higher rates, CD retention rates have been about 85%. That’s the good news.

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According To The Data // Insights

March 14, 2024

As Rates Fall, Back Books Will Block Expense Relief

Relatively low-priced commercial back books present headwinds to meeting pass-through targets for falling-rate betas. Lowering rates on their balances would risk attrition, and replacing them could get expensive.

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According To The Data // Insights

March 12, 2024

Last Year’s High-Rate CDs Are Coming Home To Roost

Financial institutions will need to sustain high CD rates to retain balances, especially because deposit betas are likely to lag any downward actions by the Fed.

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According To The Data // Insights

March 7, 2024

Innovators Push Funding Of New Digital Accounts

To gain primacy, leading financial providers target the funding journey in account opening, including adding direct deposit.

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According To The Data // Insights

March 5, 2024

FHA Rates Are Attracting Higher-Quality Borrowers

The biggest rate gap in 15 years between FHA and conforming loans has boosted FHA volumes, and today’s borrowers come with better quality than in the past.

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According To The Data // Insights

February 29, 2024

Banks May Have Turned The Tide On Commercial Outflows

After well over a year of significant outflows, commercial deposit balance levels stabilized in the second half of 2023. The average bank ended the year down 7%, but many managed to end up flat for the year and some even printed a little growth. What changed?

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According To The Data // Insights

February 27, 2024

Want Small Business Deposits? Focus On Primacy

By providing small businesses access to credit and other services, banks can realize better performance in their overall deposit portfolios.

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According To The Data // Insights

February 22, 2024

CD Growth Still Strong, But Trend Line Has Gone Flat

Even though their growth may be slowing, CDs will continue to represent a substantial share of deposits and will be critical to a depository institution’s success.

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According To The Data // Insights

February 20, 2024

Wealth Clients Were Late To The CD Party And Will Likely Leave Early

Banks should adopt the high-touch, personalized engagement of wealth advisors by proactively reaching out to clients prior to maturity.

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According To The Data // Insights

February 15, 2024

AI-Powered Personalization Can Help Sustain Marketing Lift

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

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According To The Data // Insights

February 13, 2024

Q4 Mortgage Volume: Weak Overall, Worse For Banks And CUs

Data across Curinos’ retail consortium reveal that independent mortgage banks (IMBs) outperformed depository institutions and a broader contracting market in the latest quarter.

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According To The Data // Insights

February 8, 2024

Earnings Credit Rates Are Finally Moving Up

ECRs are headed upward as more corporate clients realize they may be better off in interest-bearing accounts.

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According To The Data // Insights

February 6, 2024

New Primary Relationships At Fintechs Are Surging

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

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According To The Data // Insights

February 5, 2024

Growing Deposits Is Getting More Expensive Across The Board

At today’s high mCOFs, FIs need innovative, data-driven deposit pricing strategies – or they may pay more than they have to.

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According To The Data // Insights

February 5, 2024

There’s High Repricing Risk In Those Low-Rate Balances

Almost half of savings and MMDA deposits are still priced under 25 bp, so the impact of repricing could be significant.

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According To The Data // Insights

February 5, 2024

Home Equity Is Positioned For A Rebound

Curinos’ Home Equity Forecast predicts that demand for HE products will rise dramatically in the second half of the year.

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