According To The Data

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

According To The Data // Insights

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

According To The Data // Insights

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.

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April 23, 2024

According To The Data // Insights

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.

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April 18, 2024

According To The Data // Insights

First-Time Homebuyers Are Reshaping The Market

Rates and housing values are at multi-year highs, so there probably aren’t many first-time homebuyers (FTHB) entering the market, right? Not so.

READ TIME: 1 MIN

April 16, 2024

According To The Data // Insights

Commercial: Falling Rates Won’t Stop Deposit Flow To IB

Migration from non-interest-bearing (NIB) commercial deposits to interest-bearing (IB) continues. It’s no mystery: The market rate for IB is about 400 bp, nearly five times what NIB deposits earn.

READ TIME: 1 MIN

April 11, 2024

According To The Data // Insights

How Does Branch Consolidation Affect Your Results?

Most regional banks have reduced their branch networks over the last three years, but there’s been significant divergence in their results, according to Curinos’ BranchScape.

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April 9, 2024

According To The Data // Insights

2024 TM Pricing Outlook: Exception Pricing Gains

With continued net interest income pressures and competition for deposits, treasury management (TM) pricing is one of the quickest levers to pull to drive fee revenues and protect balances at risk of remixing to interest-bearing options.

READ TIME: 1 MIN

April 4, 2024

According To The Data // Insights

Falling CD Rates? Whew! Well, Maybe Not.

Even with higher rates, CD retention rates have been about 85%. That’s the good news.

READ TIME: 1 MIN

April 2, 2024

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