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Welcome to the Curinos Review

Welcome to the Summer 2022 issue of the Curinos Review.

We may be just a few days into summer, but the heat is already on for the global financial-services industry.

This issue of the Curinos Review, titled “Navigate Today,” dives into the implications of higher interest rates as central bankers around the world try to curtail inflation. While it’s unclear if the strategy will be effective, all types of customers are starting to demand higher yields on their accounts and will be increasingly tempted to switch providers. That means institutions will have to make some important decisions in the months to come.

Craig Woodward, CEO

Buckle Up: This Cycle Isn’t for the Faint of Heart

There’s little doubt that this is one of the most complex rising-rate cycles we have ever seen, but opportunities abound for the most nimble and analytical players.

June 29, 2022

Rate Revival

It may seem like many U.S. banks are towing the line on rates so far, but Curinos data show that they are actually already on the move

June 29, 2022

Shorter Deposit Life: Another Wrinkle for Treasury

Deposit life is getting shorter and that has big implications for profitability at financial institutions

June 29, 2022

Open for Business: How to Benefit from Open Banking Around the World

Traditional banks can be in the driver's seat as open banking takes hold around the world. The power of customer data will help banks to deepen relationships and develop new products

June 29, 2022

Five Ways to Benefit from a Home Equity Comeback

Home equity is all the rage as interest rates rise. Here are five ways in which providers can capitalize on the trend

June 28, 2022

Deposit Behavior Can Predict HELOC Utilization

Did you know that your customers' deposit behaviors are highly predictive of HELOC usage

June 29, 2022

Wealth Customers Won’t Wait Around

Some wealth customers aren't waiting around for their bank to give them higher rates. Instead, they are asking – and often receiving

June 29, 2022

The Need for Speed

Attention bank marketers: Throw out your old processes and speed up! Faster learning and execution lead to better results

June 29, 2022

Why You Should Invest in Your Branch Workforce

It may seem counterintuitive, but this is the right time to invest in your branch workforce.

June 29, 2022

How to Support Small Business Lending in a Time of Economic Uncertainty

How can financial institutions best understand the concerns and challenges of their small- business clients and mitigate their own risk at the same time

At the Podium with Curinos

We are delighted to have resumed some live events in the past few months as we also continue participating in virtual 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. Brandon Larson, EVP, and Eric Edwards, head of partnerships, discussed the optimization of digital banking at the PSCU Member Forum in Las Vegas, Nevada on April 27. John Sayre, head of customer success for real estate lending, discussed the re-emergence of ARM lending on the Rob Chrisman podcast on May 2nd. He also discussed mortgage lending at the ACUMA Deep Dive Workshop in Nashville on May 3. Brandonn Dukes, EVP, joined Flagstar Bank for their monthly series called FLEX (Focused Learning, Education & Experiences) to discuss how to thrive in a raising-rate environment on May 12. Olivia Lui, director, appeared at the SIFMA Operations Conference and Exhibition in Phoenix on May 16 and led a session called “Deposits and Cash Management with Rising Rates in the Wealth Landscape.” Rutger van Fassen, head of market and product strategy, moderated a panel titled “Harnessing New Tech to Meet the Needs of Consumers and Small Businesses” and presented “How Will Payment Experiences Evolve Into The Future?” at Finnovate Europe in San Fransisco, California on May 18 and May 20, respectively. Lindsay Burkhalter, director, spoke on the state of consumer lending at the LendIt Fintech Conference in NYC on May 26. Rutger van Faassen, head of market and product strategy, joined Nasdaq TradeTalks on May 31 to discuss the impact of the housing market and higher mortgage rates on consumers. Ken Flaherty, senior consumer market analyst, joined mortgage analysts Rich Weiner and Christian Parry on a June 1 Curinos webinar to discuss “How to Transform Your Home Loan Product Solutions.” Olivia Lui, director hosted a Curinos webinar titled “Proving (and Improving) Your Marketing ROI” on June 9. EVP Brandonn Dukes spoke about margin management at the Arizona Mortgage Lenders Association annual event on June 21. Jacob Nygren, principal, discussed how to “Gain Control of Your Bank Fees Under Inflationary Pressure” in a June 22 webinar with GTreasury. Directors Lindsay Burkhalter and Adam Stockton, and EVP Brandon Larson discussed “How are Consumers Responding to Higher Interest Rates?” in a June 23 webinar.

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