Curinos Perspectives

Curinos Perspective: 5 Takeaways On Using Analytics To Create An Effective Deposit Strategy

From “How Essential Analytics Can Drive Effective Deposit Strategy”, a Curinos webinar presented in conjunction with the Consumer Bankers Association (CBA). The webinar featured Adam Stockton, head of retail deposits and lending; Agusta Patton, director of Client Solutions; Ravi Subbaraya, director of consumer deposits; and Brad Resnick, director.

READ TIME: 5 MINS

March 12, 2024

Curinos Perspectives // Insights

Curinos Perspective: Deposit WAL – A Key Measure To Gauge Interest Rate Risk

Bank treasury teams focused on interest rate and liquidity risk management, business line teams focused on the competitive environment, and investor/analyst teams focused on bank valuation continue to devote considerable attention to deposit repricing betas, seeing it as the key interest rate risk (IRR) indicator.

READ TIME: 4 MINS

March 5, 2024

Curinos Perspectives // Insights

Curinos Perspective: 5 Takeaways From “Unlocking Digital Success”

From “Unlocking Digital Success: Insights from Community Financial Leaders,” a Curinos webinar on February 21, 2024, presented in conjunction with PSCU.

READ TIME: 3 MINS

February 26, 2024

Curinos Perspectives // Insights

Curinos Perspective: What Other Banks Can Learn From Chase’s Branch Expansion

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

February 22, 2024

Curinos Perspectives // Insights

Curinos Perspective: FIs Have Two Options Under CFPB’s Overdraft Proposal

The Consumer Financial Protection Board continues its crusade against overdraft, the rationale being that “very large banks” (those over $10 billion in assets) are abusing their customers. This view ignores the CFPB’s own data, which suggests that smaller institutions have a higher pro-rata rate of overdraft.

READ TIME: 6 MINS

February 15, 2024

Curinos Perspectives // Insights

Curinos Perspective: Personalization – Channel Preferences Change Based On Context And Stage Of Journey

Marketers often talk about discovering each customer’s preferred channel, but the assumption that individuals favor a single messaging method misinterprets the way modern consumers shop and engage with brands.

READ TIME: 2 MINS

February 13, 2024

Curinos Perspectives // Insights

Curinos Perspective: 7 Takeaways – Digital Origination And Onboarding

From “How Optimized Checking Account Origination Can Create Relationship Primacy,” a Curinos webinar presented February 7, 2024, featuring Suraya Randawa, head of omnichannel experience, and Andrew Hovet, managing director.

READ TIME: 5 MINS

February 12, 2024

Curinos Perspectives // Insights

Curinos Perspective: 5 Takeaways from “2024 Outlook: Three Things Home Equity Lenders Should Know Now”

From the Curinos webinar, “2024 Outlook: Three Things Home Equity Lenders Should Know Now” on December 13, 2023. The webinar featured Richard Martin, director, home lending; Ken Flaherty, manager, home equity; and Kinley Hicks, market analyst, home equity.

READ TIME: 4 MINS

December 18, 2023

Curinos Perspectives // Insights

Curinos Perspective: Taking Stock Of The Rate Cycle And Its Implications

As expected, the FOMC held the Fed Funds rate unchanged at a target range of 5.25% to 5.5%. Current market expectations are that we’re at the peak rate for this cycle and that modest cuts will come through 2024.

READ TIME: 4 MINS

December 13, 2023

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