Curinos Perspectives

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

Curinos Perspectives // Insights

Curinos Perspective: 7 Takeaways from “The Year Ahead: Planning For Success In 2024”

From the Curinos webinar, “The Year Ahead: Planning for Success in 2024” on December 5, 2023. The webinar featured executive vice presidents Pete Gilchrist and Brandon Larson; Adam Stockton, head of retail deposits and lending, and Suraya Randawa, head of omnichannel experience.

READ TIME: 4 MINS

December 8, 2023

Curinos Perspectives // Insights

Curinos Perspective: AB Small Biz Banking 2023 Conference – 5 Takeaways

Small-business owners look to financial institutions for advice as much as money, maybe more. That’s one of five key themes that resonated at this year’s conference in Nashville.

READ TIME: 2 MINS

November 21, 2023

Curinos Perspectives // Insights

Curinos Perspective: Reducing Consumer Deposit Interest Expense – 5 Takeaways

From the Curinos webinar, “5 Strategies For Reducing Consumer Deposit Interest Expense,” on November 9, 2023. The webinar featured Brad Resnick, director, retail deposits and Ray Montague, vice president, retail deposits.

READ TIME: 4 MINS

November 13, 2023

Curinos Perspectives // Insights

Curinos Perspective: Fed Holds Rates Steady Again, Home-Lending Pressures Continue

As expected, the FOMC has held the Federal Funds rate flat in a target range of 5.25% to 5.50%. But even as the Fed continues its pause, rates for home lending and deposits are likely to remain elevated. That’s because key inflation and macroeconomic indicators take time to play out, and a continuing tidal wave of low-interest renewing CDs will intensify the competition for rate shoppers.

READ TIME: 6 MINS

November 1, 2023

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