According To The Data

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

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

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

According To The Data // Insights

The Key To Digital Retention? Early Funding

As all financial institutions have experienced, the retention and quality of digitally originated relationships significantly lag those originated in the branch.

READ TIME: 1 MIN

July 2, 2024

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