Targeting Affluent Consumers? You’re Not Alone
With the cost of acquisition rising and fee revenue falling, the payback period for consumer banking customers has extended from 18 months to four years.
READ TIME: 1 MIN
May 21, 2024
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According To The Data
TM Fees: How High Can They Go?
Data from the Curinos TM Fee Analyzer indicate that treasury management (TM) fees grew only 2.1% last year, with pricing growth exceeding volume growth in six of the top eight product families.
READ TIME: 1 MIN
May 16, 2024
Q1 ‘24 Mortgage Trends Signal Continuing Resilience
Interest-rate-lock mortgage commitments in the first quarter grew by 27% Q/Q, according to Curinos’ LendersBenchmark Analyzer.
READ TIME: 1 MIN
May 14, 2024
Rising Excess ECR Poses Another Risk To NIB Deposits
Earnings credit rate DDA balances, already diminished, could be at further risk given high rates that continue to make interest-bearing alternatives attractive.
READ TIME: 1 MIN
May 9, 2024
Too Many Tellers Or Too Few Transactions? The Answer Is “Yes.”
The pandemic did a number on branch transactions, and we have the numbers to prove it.
READ TIME: 1 MIN
May 7, 2024
Want More Small Businesses? Be More Distinctive
May is National Small Business Month, so now is a great time for financial institutions to shine a well-deserved spotlight on small businesses in their communities.
READ TIME: 1 MIN
May 2, 2024
Better Wealth Retention Starts With Checking
Looking to retain more wealth deposits? Look no further than the primary checking account. Wealth clients with both checking and rate-based products – savings, money market savings and/or retail CDs – are 15% more likely to stick around on average than those without checking.
READ TIME: 1 MIN
April 25, 2024
Home Equity’s Trend Toward Digital Will Only Get Stronger
Until recently, most of an FI’s home-lending volume originated in branches, and home equity was no exception.
READ TIME: 1 MIN
April 23, 2024
Creating Better Friction For P2P Payments
Today’s consumers demand a fast and smooth digital experience – no surprise there. But as retail checking providers try to gain traction in the increasingly competitive P2P space, their customers say they’d welcome a little more friction in exchange for a lot more security.
READ TIME: 1 MIN
April 18, 2024