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
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According To The Data
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.
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January 21, 2025
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.
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January 14, 2025
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
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
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.
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December 10, 2024
Appetite for Core Customer Growth Accelerates De Novo Investment in Thinly Branched Markets
As customer and deposit growth has become more challenging, banks are looking to new markets and sub-markets to drive that growth, and de novo investments are viewed as a reliable source.
READ TIME: 1 MIN
December 5, 2024
Marketing’s Role in Turning Dormancy to Primacy: Lift Checking Utilization Message CTR by 450%
The availability of increased competition has led consumers to open and test banking services with multiple providers, making account primacy much more difficult to attain.
READ TIME: 1 MIN
December 3, 2024
Regional Pricing: With the Game Changing, Time to Leverage WAMP
At Curinos, we believe, and our data confirm, that not all markets are created equal – variation in regional (state-to-state) pricing is on the increase.
READ TIME: 1 MIN
November 21, 2024