According To The Data

Weighted Average Pricing Can Mean Greater Mortgage-Market Precision

To control capacity, influence market share and allocate margin, mortgage pricing strategy is integral to any successful lending operation.

READ TIME: 1 MIN

August 20, 2024

According To The Data // Insights

Consumer-Deposit Alert: Money In Motion Is In Decline

After a high volume of money in motion and churn in 2023, CD and savings promotional rates have begun declining in recent months.

READ TIME: 1 MIN

August 15, 2024

According To The Data // Insights

New-to-Bank Checking: Quantity At Odds With Quality

For traditional banks, many mass market customers who don’t have a full relationship with them are simply unprofitable. That’s in large measure because fee income is in decline as competitive and regulatory pressures tighten.

READ TIME: 1 MIN

August 13, 2024

According To The Data // Insights

TM Investment: Running Fast But Standing Still

Going into 2023, participants in Curinos’ Commercial Analyzer reported increasing their digital investments – more than half of them by 10% – which reflects a multi-year focus on upgrading the commercial digital experience.

READ TIME: 1 MIN

August 8, 2024

According To The Data // Insights

Managing Mortgage Lending Cycles

Because it’s cyclical, the mortgage lending business can be unforgiving. As rates fall, volumes and profit margins increase as lenders rush to ramp up operational capacity to meet the demand.

READ TIME: 1 MIN

August 6, 2024

According To The Data // Insights

Chatbots Showing Signs Of Becoming Main Banking Engagement Tool

Significant investment and advances in technology like generative AI indicate that U.S. banks are looking to build chatbots as their primary means of customer engagement.

READ TIME: 2 MINS

July 30, 2024

According To The Data // 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

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