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Hedging Your Bets

Welcome to the Curinos Review

Welcome to the Fall 2022 issue of the Curinos Review.

This issue is titled “Hedging Your Bets” because scenario planning will be essential for financial providers as we start thinking about 2023. Interest rates may hold fast, rise further or even fall next year as central bankers around the world seek to tame inflation. Most experts anticipate a technical or mild recession is the most likely outcome. Still, it is important to plan for a deeper global economic crisis due to the long list of unknowns that includes how the global energy supply will be impacted by Ukraine, the pace at which supply chains resume normal operations and the political environment in the U.S. and elsewhere. For bankers, the trick will be to manage deposits, credit and costs – all of which are critical to long-term performance – in any scenario.

The Curinos Review explores pitfalls that are stalling the financial industry’s march toward digital channels. Corporate and consumer customers are increasingly embracing digital platforms for more specialized activities, but traditional banks are being stymied by outdated organizational structures and a tendency to throw money at the issue rather than considering customer needs.

Craig Woodward, CEO

How to Manage a Recession — Or Worse

There is little doubt that the immediate impact of the transition to higher rates has been rapid — and this is likely just the beginning. The U.S. has experienced two consecutive quarters of GDP decline, stock markets dropped 20% from 2021 peaks, existing home sales plummeted, consumer confidence is uneasy at best and there’s another election around the corner.

September 28, 2022

What’s Next in the Home Equity Comeback?

This year's resurgence of home equity shows no signs of abating as mortgage rates continue to climb

September 28, 2022

TM Services: Driving Value in Any Rate Cycle

Gross fees for treasury management (TM) services are starting to fall across the industry, putting pressure on financial institutions to recalibrate the relationship between TM pricing and earnings credit rates (ECRs)

September 28, 2022

The Big Opportunities in Serving Small Business

Financial institutions are finally starting to take small-business customers seriously

September 28, 2022

How to Acquire (and Retain) Good Retail Customers in Digital Channels

Digital transformation has been a hot topic in retail financial services for at least a decade, but many banks still struggle with the channel

September 28, 2022

Unsecured Segment Drives Surge in Small-Business Loans

Demand and originations for small-business loans and lines of credit have ebbed and flowed, but were on an upward trajectory this summer

September 28, 2022

How to Manage Wealth Customers As Rates Rise

Wealth customers are already responding to rising rates differently than they have in previous cycles, raising the stakes for financial institutions to better understand the ways in which these valuable customers behave

At the Podium with Curinos

We are always delighted to share our insights at industry conferences or our own events. Here is a sampling of them. Please reach out to the session leaders or Curinos Review Editor Robin Sidel if you missed any of these events and would like to know more about the content that was presented.


Rory Pennington, principal digital analyst, joined Director Olivia Lui on Aug. 4 to cover small business banking needs in a webinar titled “Small Business Needs Big Banking.” They were joined by Matthew Acton Davis, global head of sales for Revolut.

Olivia Lui, director, appeared on the Curinos (F)insights podcast with host Rutger van Faassen, head of new markets and industry ecosystems, in August to discuss how financial services providers can manage the decline of overdraft fees.

Director of Consumer Lending Lindsay Burkhalter and Rutger van Faassen, head of new markets and industry ecosystems, hosted a webinar titled “What’s the ‘Biz’ in Small Business Banking?” on Aug. 30.


Director Olivia Lui moderated the panel “Champagne Executive Briefing: What’s Next For Digital Banks?” at Finovate Fall in New York City on Sept 13.

Curinos Director Adam Stockton, along with guests Vineet Singh, director, pricing at Scotiabank, and Nicole Ow, head, retail Investments at BMO Financial Group, spoke about “Targeting products, treatments and pricing toward customer segments” in

Toronto at the 8th Annual Retail Deposit Optimization and Strategic Management Conference on September 13th.

Pete Gilchrist, EVP, Head of Retail Deposits & Commercial Banking, and EVP Andrew Frisbee spoke about “The Outlook for Bank Deposits” at the Barclays Global Financial Services Conference on Sept. 14.

Director of Consumer Lending Lindsay Burkhalter spoke on a Finovate Fall panel, “Buy Now, Pay Later: A Great Product for Customers Or a Debt Trap?” on Sept. 14.

Directors Adam Stockton and Peter Serene discussed “Deposits Past the Tipping Point: Trends for CDA Subscribers” in a Sept. 20 webinar.

Director of Real Estate Lending Solutions Rich Martin spoke about “Assessing Mortgage Pricing Competitiveness” at the TMC (The Mortgage Collaborative) fall conference in Chicago on Sept. 23.

Managing Director Sarah Welch and Director Adam Stockton spoke about navigating the tightrope walk of the current deposit environment through dynamic marketing in a Sept. 28 webinar called “How Agile Deposit Promotions Will Help You Navigate Market Uncertainty”.

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