Curinos Perspectives

Curinos Perspective: Does Free Banking Have A Future?

Much has been said and written recently regarding The Wall Street Journal’s article about Chase’s investment program in branches. We at Curinos wanted to offer our thoughts as well, with particular emphasis on the implications for regional and community banks across the country.

READ TIME: 4 MINS

July 10, 2024

Curinos Perspectives // Insights

Curinos Perspective: Competitive Forces Are Driving Different Decisions About Networks

Economic news, almost daily, indicates the higher-for-longer rate cycle will persist and, with it, continuing competition for deposits, elevated cost of funds and compressed margins. As a result, financial institutions are under pressure not only to reduce expenses but also to grow core customers and the low-cost deposits that come with them.

READ TIME: 5 MINS

July 8, 2024

Curinos Perspectives // Insights

Curinos Perspective: Optimizing Deposits To Create An Effective Deposit Strategy – 5 Takeaways

From “Deposit Growth & Retention in a Falling Rate Environment,” a webinar presented by Curinos on June 26, 2024, that featured Adam Stockton, head of retail deposits and lending, and Agusta Patton, managing director of Client Solutions.

READ TIME: 6 MINS

July 3, 2024

Curinos Perspectives // Insights

Curinos Perspective: Benchmark Digital Onboarding To Gain In Customer Acquisition

Financial institutions need to observe and act on competitive intelligence with account-opening capabilities critical to growth.

READ TIME: 5 MINS

July 3, 2024

Curinos Perspectives // Insights

Curinos Perspective: Takeaways from Curinos’ Retail Deposit Optimizer Forum

Curinos was pleased to welcome senior retail banking leaders from deposits product, pricing, finance and balance sheet management from more than 15 financial institutions to its Retail Optimizer Forum for 2024 in Dallas/Fort Worth, June 11 and 12. Guests, representing Curinos’ current customer institutions, got an in-depth look at Curinos data, platforms and insight capabilities and engaged with Curinos deposits-industry experts, and each other, on how to think about and plan for the complex problems facing retail financial institutions at this time of great economic uncertainty.

READ TIME: 7 MINS

July 1, 2024

Curinos Perspectives // Insights

Curinos Perspective: Key Takeaways From “A Lender’s Guide: Informed Margin Management”

From the Curinos webinar, “A Lender’s Guide: Informed Margin Management” [Link] on June 18, 2024. The webinar featured John Sayre, vice president, Client Success, and Alexandra Jacobson, manager, Mortgage.

READ TIME: 6 MINS

June 25, 2024

Curinos Perspectives // Insights

Curinos Perspective: FOMC 2H Outlook – The Implications Of Higher For Longer

The FOMC held the Federal Funds target range flat at 5.25% to 5.5%. As previously communicated, the Fed has tapered quantitative tightening by $35B, lowering the redemption cap from $95 billion per month to $60 billion per month.

READ TIME: 9 MINS

June 13, 2024

Curinos Perspectives // Insights

Curinos Perspective: How Deposit Optimization Can Drive Profitability

Managing deposits was long an afterthought thanks to years of near-zero interest rates followed by a pandemic-fueled surge in volume. Now it’s front-of-mind as the most impactful strategy for resisting margin compression and preserving profitability.

READ TIME: 4 MINS

June 4, 2024

Curinos Perspectives // Insights

Curinos Perspective: 5 Takeaways – AI’s Edge For Personalization

From “Seamless & Personalized: The AI Edge For Omnichannel Customer Engagement,” a Curinos webinar presented in conjunction with Consumer Bankers Association on May 7, 2024, featuring Sarah Welch, managing director, and Olly Downs, chief data scientist.

READ TIME: 4 MINS

May 13, 2024

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