Insights

Deposit Balances Rebound as Post-Covid “Revenge Spending” Dissipates

During COVID, the average consumer wallet expanded considerably thanks to three waves of stimulus deposits from the Federal government and a general lack of consumer spending driven by business shutdowns.

READ TIME: 1 MIN

February 13, 2025

Insights // Webinars

You Get What You Measure – Adjusting Prospecting KPIs for Success in the New Consumer Deposit Market

Changes in the economics of acquiring core deposit customers coming from both environmental factors reducing revenue (deposit margin, interchange tightening, and fee reforms) as well as the cost of acquisition (incentives, cost of marketing, and reduced response rates due to competition) are changing the ROMI calculation for many organizations.

READ TIME: 1 MIN

February 12, 2025

According To The Data // Insights

In Gaining Primary Relationships,
Bank Types Vary Considerably

In an increasingly competitive landscape, banks are rapidly designing value propositions and operating models to win primary customer relationships.

READ TIME: 1 MIN

February 11, 2025

According To The Data // Insights

Rates and Economic Outlook
Spurring HELOC Growth

The demand for home equity lines of credit (HELOC) remained mostly lethargic throughout 2024, despite the positive economic tailwinds at its back such as increased homeowner equity and low unemployment.

READ TIME: 1 MIN

February 6, 2025

According To The Data // Insights

When it Comes to Commercial Balances,
Think Small

High commercial balances may be where the money is, but it’s not where banks should focus for low cost deposits, especially as rates fall.

READ TIME: 1 MIN

January 30, 2025

According To The Data // Insights

CD Money in Motion Continues to Decline

CDs contributed strongly to deposit growth in 2023 and 2024, but now both their total acquisition and new-to-bank money volumes have begun to slide.

READ TIME: 1 MIN

January 23, 2025

According To The Data // Insights

Fintechs Continue to Lead in New Banking Relationships – 3 Key Implications

Curinos’ recent U.S. Shopper Study evaluated the choices consumers make in establishing a new primary banking relationship.

READ TIME: 1 MIN

January 21, 2025

According To The Data // Insights

To Make Small Business Profitable, Look at the Entire Relationship

In small business lending, demand continues to exceed supply, especially on the lower end of the spectrum that measures a company’s gross annual revenue.

READ TIME: 1 MIN

January 14, 2025

Curinos Perspectives // Insights

Curinos Perspective: Fed Cuts Another 25 bp, but FOMC Members See Wide Range of Paths Ahead

The FOMC cut the target range for the Federal Fund rate by 25 basis points to a range of 4.25% to 4.5%.

READ TIME: 4 MINS

December 18, 2024

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