According To The Data

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

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

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

Payments: What The Continuing Migration To Digital May Mean

As consumers and businesses in the U.S. continue to migrate from paper to electronic payments, Curinos has identified several telling trends from its TM Analyzer database.
READ TIME: 1 MIN

June 20, 2024

In Their Digital Experiences, Nextgen Users Want Both Aesthetics And Practicality

Curinos’ latest U.S. Shopper Survey asked recent checking account switchers and those considering switching what makes an online or mobile banking app useful.
READ TIME: 2 MINS

June 18, 2024

Deposit Update: Nominal Growth In 2024 If Fed Can Cut

Earlier this year, Curinos estimated that retail deposits would be flat for branch banks in 2024, so many were no doubt encouraged to see 1Q deposit volumes up 1.5%.
READ TIME: 1 MIN

June 13, 2024

Price Is Driving Changing Dynamics In Portfolio Lending

Mortgage lenders generally seek to make as many loans as they can profitably sell into the secondary market, but for the loans banks and credit unions choose to retain in portfolio,
READ TIME: 1 MIN

June 11, 2024

AI’s Value Prop: A Cheaper Path To Customer Primacy

The various product lines at banks are in constant competition for customer attention. But uncoordinated messaging comes with a high cost: Curinos analysis shows that the typical FI leaves $70 per customer on the table because relationship nurturing is poorly orchestrated across channels.
READ TIME: 1 MIN

June 6, 2024

DAF Levels Are Down. What Can Be Done?

As commercial deposits shift away from DDA, the loss of deposit administration fees (DAF) is a key impact. DAF are the largest single charge in treasury management, totaling more than 15% of fees at most TM banks.
READ TIME: 1 MIN

June 4, 2024

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