According To The Data

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

According To The Data // Insights

The Lock-in Effect Spells Opportunity for Home Equity Lending

For a solid majority of homeowners, refinancing a mortgage in today’s market would mean replacing a low-interest loan with a new one at a significantly higher rate.

READ TIME: 1 MIN

December 17, 2024

According To The Data // Insights

Winning in a Falling Rate Environment: To Finish Strong, Know Your Starting Point

With two FOMC rate cuts now behind us, Curinos Commercial Deposit Analyzer data show that commercial banks have deployed more aggressive strategies in passing betas through than in the prior falling rate cycle beginning in 2019.

READ TIME: 1 MIN

December 12, 2024

According To The Data // Insights

Small Business: Attractive for Deposits, but Getting More Competitive

With rates normalizing, the small business (SB) segment has proven to be one of the last bastions of stable low-cost deposits.

READ TIME: 1 MIN

December 10, 2024

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