Insights

Exception Pricing: In Wealth, More The Rule Than The Exception

At some financial institutions, exception pricing is being used on up to 88% of wealth savings and money market savings accounts – and on up to 95% of the balances.

READ TIME: 1 MIN

July 25, 2024

According To The Data // Insights

CPAs Continue To Soar

Thanks to the unrelenting high-rate environment and the demand financial institutions are exhibiting for new relationships, the cost to acquire (CPA) new-to-bank customers and members has shot up to $663 – a more than 125% increase from pre-pandemic levels.

READ TIME: 1 MIN

July 23, 2024

According To The Data // Insights

Profitable Commercial Growth Can Hinge On The Right Client Mix

Many commercial-banking relationships that had been profitable are now under water driven by sustained higher rate environment that has changed client behavior toward deposits and put continuing pressure on spreads. What to do?

READ TIME: 1 MIN

July 18, 2024

Curinos Perspectives // Insights

Curinos Perspective: Using Deposit Optimizer Basics To Optimize Deposits in Any Rate Environment – 5 Takeaways

From “Optimizing Deposits in Any Rate Environment,” a webinar presented by Curinos in partnership with FIS on July 11, 2024 that presented the capabilities of Deposit Optimizer Basics and featured Adam Stockton, head of retail deposits and lending, Agusta Patton, managing director of Client Solutions, and Nathan Kinser, vice president of Platform Sales.

READ TIME: 5 MINS

July 17, 2024

According To The Data // Insights

Mass Affluent: Big Opportunity, But At A Cost

Mass affluent customers are desirable. They have steady incomes and larger deposits, and they can be cross-sold into other profitable services such as lending and wealth management. But in today’s high rate environment, these more sophisticated clients are also demanding significantly more on rate than their mass market counterparts, so holding on to them is more costly than in the past.

READ TIME: 1 MIN

July 16, 2024

According To The Data // Insights

Personalization: Larger Banks Report Struggling To Get Their Data Right

Some larger banking institutions are struggling to get their data in order as competitive pressure mounts to evolve past batch-and-blast communications and into the realm of personalized marketing communications.

READ TIME: 1 MIN

July 11, 2024

Curinos Perspectives // Insights

Curinos Perspective: Does Free Banking Have A Future?

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

July 10, 2024

According To The Data // Insights

LMI Lending: Considerations For Success

Lending in low- to moderate-income (LMI) areas and households is a cornerstone to successfully complying with the Community Reinvestment Act (CRA). One often-overlooked component of LMI is making sure lending products and credit guidelines fit the needs of borrower profiles.

READ TIME: 1 MIN

July 9, 2024

Curinos Perspectives // Insights

Curinos Perspective: Competitive Forces Are Driving Different Decisions About Networks

Economic news, almost daily, indicates the higher-for-longer rate cycle will persist and, with it, continuing competition for deposits, elevated cost of funds and compressed margins. As a result, financial institutions are under pressure not only to reduce expenses but also to grow core customers and the low-cost deposits that come with them.

READ TIME: 5 MINS

July 8, 2024

Curinos Perspectives // Insights

Curinos Perspective: Optimizing Deposits To Create An Effective Deposit Strategy – 5 Takeaways

From “Deposit Growth & Retention in a Falling Rate Environment,” a webinar presented by Curinos on June 26, 2024, that featured Adam Stockton, head of retail deposits and lending, and Agusta Patton, managing director of Client Solutions.

READ TIME: 6 MINS

July 3, 2024

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