Home Lending: How To Best Position For A Bounce-Back
It’s hardly news that residential lending is currently hamstrung by high interest rates and diminished supply.
READ TIME: 5 MINS
June 27, 2024
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Curinos Review
How To Manage Deposits If No Fed Rate Cuts Until Next Year
As recent as early 2024, the idea that rate cuts would be postponed until 2025 would have been a banking CFO’s worst nightmare.
READ TIME: 5 MINS
June 27, 2024
Commercial: How To Deal With Declining NIB Deposits
Non-interest-bearing (NIB) deposits have been one of the pillars of commercial banking profitability in the United States, but a combination of higher interest rates and regulatory changes has put their future at risk.
READ TIME: 6 MINS
June 27, 2024
How To Build Banking Relationships Through Personalization? Ditch The Retail Playbook
In the fast-paced world of digital marketing, personalization has emerged as a critical strategy for engaging customers and driving sales.
READ TIME: 6 MINS
June 27, 2024
Mass Market: How To Make Up For Flagging Economics
In 2019, the average cost per acquisition (CPA) for checking customers at branch banks was $293, which drove $185 in annual value from interchange, fees and net interest margin.
READ TIME: 7 MINS
June 27, 2024
How To Bring An Open Mind To Open Banking
Opposition to the Consumer Financial Protection Bureau’s proposed rules to formalize open banking in the U.S. may seem like a natural reaction and in some ways legitimate.
READ TIME: 6 MINS
June 27, 2024
Wealth: How To Prepare For A Digital-First Future
More than $80 trillion will pass to younger heirs in the next 20 years, leaving financial institutions with a steep learning curve on how best to serve them.
READ TIME: 5 MINS
June 27, 2024
Curinos Review Summer 2024
With 2024 half over, planning for 2025 has begun. That’s why we’ve titled this issue of the Curinos Review How to Plan for Success in 2025 and have dedicated each article to ways to anticipate and plan for what’s to come next year.
READ TIME: 4 MINS
June 27, 2024
Thinking Beyond Rate To Get And Keep Wealth Deposits
With the Federal Reserve unlikely to reduce short-term interest rates before summer, banks experiencing significant runoff of wealth deposits and cash sweeps have several options available beyond broad hikes in deposit rates to stop the bleeding and potentially regain share of wallet with their wealthiest clients.
READ TIME: 7 MINS
March 18, 2024
Curinos Review Spring 2024
Retail banking fees are again under scrutiny. Our research shows that overdraft and non-sufficient funds fee revenue will continue their steady downward trend, as will credit card late fees and interchange fees. Taken together, this will make profitably serving the mass market even more of a challenge this year, particularly for community banks and credit unions.
READ TIME: 4 MINS
March 18, 2024