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Curinos Perspective

Welcome to the Curinos Perspective

The Curinos Perspective is your go-to source for thought leadership articles on important themes in financial services.

Our experienced team of advisors, researchers and analysts dig into the industry’s most comprehensive data trove to identify and explore significant trends affecting banks, credit unions and other financial institutions.

Each Curinos Perspective explains not only what’s happening but also why it’s important – information that financial professionals can use to fill in knowledge gaps and improve business performance.

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April 26, 2024

Curinos Perspective: 5 Takeaways – Untapped Potential In Your Network

From “Untapped Potential in Your Network,” a Curinos webinar presented April 23, 2024, featuring Andrew Hovet, managing director, and Steve Schaefer, principal.
READ TIME: 4 MINS

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April 22, 2024

Curinos Perspective: Can In-App Payments Be Made More Secure From Fraud?

Bank treasury teams focused on interest rate and liquidity risk management, business line teams focused on the competitive environment, and investor/analyst teams focused on bank valuation continue to devote considerable attention to deposit repricing betas, seeing it as the key interest rate risk (IRR) indicator.
READ TIME: 1 MIN

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April 1, 2024

Curinos Perspective: 7 Takeaways From CBA LIVE 2024

The Consumer Bankers Association in late March hosted its 15th annual CBA LIVE event in Washington, D.C. Billed as retail banking's must-attend event, CBA LIVE provides programming to help industry professionals learn about emerging banking trends and share ideas with influential decision makers. Here are several themes that generated significant interest among those attending this year.
READ TIME: 4 MINS

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March 18, 2024

Curinos Perspective: 5 Takeaways On Strategies For Realizing HELOC Balance Growth

From “HELOC Balance Growth Can Be Achieved! Is Your Growth Strategy Working?”, a Curinos webinar featuring Rich Martin, director, Real Estate Lending Solutions; Ken Flaherty, manager, Home Equity; and Kinley Hicks, market analyst, Home Equity.
READ TIME: 4 MINS

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March 12, 2024

Curinos Perspective: 5 Takeaways On Using Analytics To Create An Effective Deposit Strategy

From “How Essential Analytics Can Drive Effective Deposit Strategy”, a Curinos webinar presented in conjunction with the Consumer Bankers Association (CBA). The webinar featured Adam Stockton, head of retail deposits and lending; Agusta Patton, director of Client Solutions; Ravi Subbaraya, director of consumer deposits; and Brad Resnick, director.
READ TIME: 5 MINS

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March 5, 2024

Curinos Perspective: Deposit WAL – A Key Measure To Gauge Interest Rate Risk

Bank treasury teams focused on interest rate and liquidity risk management, business line teams focused on the competitive environment, and investor/analyst teams focused on bank valuation continue to devote considerable attention to deposit repricing betas, seeing it as the key interest rate risk (IRR) indicator.
READ TIME: 4 MINS

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February 26, 2024

Curinos Perspective: 5 Takeaways From “Unlocking Digital Success”

From “Unlocking Digital Success: Insights from Community Financial Leaders,” a Curinos webinar on February 21, 2024, presented in conjunction with PSCU.
READ TIME: 3 MINS
Bank Branch

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February 22, 2024

Curinos Perspective: What Other Banks Can Learn From Chase’s Branch Expansion

Much has been said and written recently regarding The Wall Street Journal’s article about Chase’s investment program in branches. We at Curinos wanted to offer our thoughts as well, with particular emphasis on the implications for regional and community banks across the country.
READ TIME: 4 MINS

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February 15, 2024

Curinos Perspective: FIs Have Two Options Under CFPB’s Overdraft Proposal

The Consumer Financial Protection Board continues its crusade against overdraft, the rationale being that “very large banks” (those over $10 billion in assets) are abusing their customers. This view ignores the CFPB’s own data, which suggests that smaller institutions have a higher pro-rata rate of overdraft.
READ TIME: 6 MINS

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February 13, 2024

Curinos Perspective: Personalization – Channel Preferences Change Based On Context And Stage Of Journey

Marketers often talk about discovering each customer’s preferred channel, but the assumption that individuals favor a single messaging method misinterprets the way modern consumers shop and engage with brands.
READ TIME: 2 MINS

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February 12, 2024

Curinos Perspective: 7 Takeaways – Digital Origination And Onboarding

From “How Optimized Checking Account Origination Can Create Relationship Primacy,” a Curinos webinar presented February 7, 2024, featuring Suraya Randawa, head of omnichannel experience, and Andrew Hovet, managing director. 
READ TIME: 5 MINS

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December 18, 2023

Curinos Perspective: 5 Takeaways from “2024 Outlook: Three Things Home Equity Lenders Should Know Now”

From the Curinos webinar, “2024 Outlook: Three Things Home Equity Lenders Should Know Now” on December 13, 2023. The webinar featured Richard Martin, director, home lending; Ken Flaherty, manager, home equity; and Kinley Hicks, market analyst, home equity.
READ TIME: 4 MINS

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December 13, 2023

Curinos Perspective: Taking Stock Of The Rate Cycle And Its Implications

As expected, the FOMC held the Fed Funds rate unchanged at a target range of 5.25% to 5.5%. Current market expectations are that we’re at the peak rate for this cycle and that modest cuts will come through 2024.
READ TIME: 4 MINS

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December 8, 2023

Curinos Perspective: 7 Takeaways from “The Year Ahead: Planning For Success In 2024”

From the Curinos webinar, “The Year Ahead: Planning for Success in 2024” on December 5, 2023. The webinar featured executive vice presidents Pete Gilchrist and Brandon Larson; Adam Stockton, head of retail deposits and lending, and Suraya Randawa, head of omnichannel experience.
READ TIME: 4 MINS

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November 21, 2023

Curinos Perspective: AB Small Biz Banking 2023 Conference – 5 Takeaways

Small-business owners look to financial institutions for advice as much as money, maybe more. That’s one of five key themes that resonated at this year’s conference in Nashville.
READ TIME: 2 MINS

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November 13, 2023

Curinos Perspective: Reducing Consumer Deposit Interest Expense – 5 Takeaways

From the Curinos webinar, “5 Strategies For Reducing Consumer Deposit Interest Expense,” on November 9, 2023. The webinar featured Brad Resnick, director, retail deposits and Ray Montague, vice president, retail deposits.
READ TIME: 4 MINS

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November 1, 2023

Curinos Perspective: Fed Holds Rates Steady Again, Home-Lending Pressures Continue

As expected, the FOMC has held the Federal Funds rate flat in a target range of 5.25% to 5.50%. But even as the Fed continues its pause, rates for home lending and deposits are likely to remain elevated. That’s because key inflation and macroeconomic indicators take time to play out, and a continuing tidal wave of low-interest renewing CDs will intensify the competition for rate shoppers.
READ TIME: 6 MINS

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October 24, 2023

Curinos Perspective: Optimizing The Network In A High-Rate Environment – 5 Takeaways

From “Network Optimization in a High-Rate Environment,” a Curinos webinar featuring Andrew Hovet, head of distribution and sales performance, and Chad Watkins, Solutions Sales Executive.
READ TIME: 5 MINS

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October 18, 2023

Curinos Perspective: Top Takeaways – Creating A Winning Deposit Strategy in 2024

From “Creating A Winning Deposit Strategy in 2024”, a Curinos webinar presented in conjunction with the Consumer Bankers Association (CBA).
READ TIME: 3 MINS

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September 25, 2023

Curinos Perspective: Top Takeaways – Curinos Small Business Webinar

For financial institutions, winning in small business comes down to five key imperatives...
READ TIME: 3 MINS

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September 20, 2023

Curinos Perspective: The Risk Of “Magical Thinking” In A Fed Funds Plateau

We see complacency among many bankers who feel that a Fed plateau will ease pressures on deposit betas. Prior cycles show that betas keep climbing even after the Fed Funds rate peaks, and significant back books in both commercial and consumer are yet to reprice.
READ TIME: 6 MINS

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July 26, 2023

Curinos Perspective: Fed Hikes Again, Banks Dig In For Higher For Longer

After a brief, one-meeting pause in June, the Fed’s Federal Open Market Committee (FOMC) raised the Federal Funds rate by .25% to a target range of 5.25% to 5.5%.
READ TIME: 8 MINS

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July 25, 2023

Curinos Perspective: Five Key Takeaways From Curinos’ Retail Deposit Optimizer Client Forum

Small Business is a top priority for banks for two reasons. First, the challenges to core mass market consumers due to the restructuring of overdraft/NSF fees have led banks to look for growth in higher-value segments.
READ TIME: 8 MINS

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June 20, 2023

Curinos Perspective: Precision Pricing In Small Business Lending

Small Business is a top priority for banks for two reasons. First, the challenges to core mass market consumers due to the restructuring of overdraft/NSF fees have led banks to look for growth in higher-value segments.
READ TIME: 13 MINS

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June 14, 2023

Curinos Perspective: Fed Pauses, But What Lies Ahead Is Less Clear

Today, the Fed announced a pause in rate hikes, leaving the benchmark Federal Funds rate unchanged at 5.00% — 5.25%, while leaving the door open for future rate increases.
READ TIME: 9 MINS

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May 3, 2023

Curinos Perspective: Fed Hikes Again – Implications For A Potential Plateau

The Fed raised the Fed Funds rate by another 25 basis points to a range of 5.00% to 5.25%.
READ TIME: 12 MINS

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March 22, 2023

Curinos Perspective: Fed Keeps Up The Fight Against Inflation Amid Banking Sector Uncertainty

Despite the recent bank failures and market disruption, the Fed kept up the fight against inflation by raising the Fed Funds rate by 25 basis points to a range of 4.75% to 5.00%
READ TIME: 12 MINS

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March 16, 2023

Curinos Perspective: Key Considerations Amid Industry Disruption

There’s little doubt that the U.S. banking industry has been whipsawed by fast-moving events in recent days
READ TIME: 5 MINS

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February 1, 2023

Curinos Perspective: Fed Plateau Possibly On The Horizon – What To Know

Within the consumer business, deposit runoff continued during the fourth quarter of 2022
READ TIME: 10 MINS

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December 14, 2022

Curinos Perspective: Fed’s Battle with Inflation Moves to a New Phase

The Fed eased up on the throttle ever so slightly, hiking the Federal Funds rate by 50 basis points (bp) to a target range of 4.25% to 4.5%
READ TIME: 10 MINS

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November 10, 2022

Curinos Perspective: Churn, Betas Heat Up As Rates Move Higher

The Fed’s move to hike the target Federal Funds rate by 75 basis points for the fourth consecutive time comes at a point when customer behavior and bank response are already accelerating significantly
READ TIME: 9 MINS

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September 21, 2022

Curinos Perspective: How High Will We Go?

The FOMC today announced another super-sized interest rate hike, raising the target Fed Funds rate by 75 basis points (bp) to a range of 300 bp to 325 bp
READ TIME: 12 MINS

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August 4, 2022

Curinos Perspective: BoE Hikes Rates, But Will Banks Follow?

The Bank of England has increased rates for the sixth time in just nine months
READ TIME: 3 MINS

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July 27, 2022

Curinos Perspective: Latest Fed Hikes Comes As Rates, Behavior Start to Shift

The FOMC today announced a second consecutive 75 basis point (bp) increase, continuing aggressive rate increases that are intended to stem stubbornly high inflation
READ TIME: 10 MINS

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June 15, 2022

Curinos Perspective: As Fed Hikes Again, Rate and Behavior Begin to Thaw

The Fed today took an aggressive step intended to slow inflation, increasing the target range for the Fed Funds rate by 75 basis points to 1.50-1.75%
READ TIME: 10 MINS

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May 4, 2022

Curinos Perspective: The Fed Cranks Up the Dial

The Federal Open Markets Committee (FOMC) voted today to raise the target range for the Fed Funds rate by 50 bp from 25-50 bp to 75-100 bp.
READ TIME: 9 MINS

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March 16, 2022

Curinos Perspective: Liftoff! Fed Raises Rates

The Federal Open Markets Committee (FOMC) voted today to raise the target range for the Fed Funds rate from 0-25 basis points to 25-50 bp. This move was in line with the expectations of an overwhelming majority of market participants.
READ TIME: 10 MINS

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March 2, 2022

Curinos Perspective: Bank of Canada Hikes Rates. Will a Deposit Scramble Be Next?

The Bank of Canada hiked rates by 25 basis points to 0.50%, opening the door to industry wide uncertainty after a long period of stable deposits.
READ TIME: 2 MINS

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January 26, 2022

Curinos Perspective: Fed Keeps Rates Steady, But Get Ready for Them to Rise

Reintroducing our timely Perspective series, Curinos experts weigh in on the latest news from the Federal Open Market Committee and preparations for a future rise in rates.
READ TIME: 7 MINS

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