Curinos Review

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

Curinos Review // Insights

Home-Lending Update: How To Strive Till ’25

Residential real estate lenders across the country are all too happy to put 2023 behind them while also hoping to retire the “Survive till '25” mantra as they look forward to healthier top- and bottom-line growth this year.

READ TIME: 6 MINS

March 18, 2024

Curinos Review // Insights

Fee Changes Require New Approach To Serving Mass Market

It appears that the steady unwinding of retail banking fees will continue to take its toll on bank and credit union profitability.

READ TIME: 7 MINS

March 18, 2024

Curinos Review // Insights

Treasury Needs More And Better Data To Manage Falling Rates

As rates drop and profit compresses, we urge banks to embrace asset/liability management (ALM), funds transfer pricing (FTP) and the analytic intelligence of deposit behavior.

READ TIME: 7 MINS

March 18, 2024

Curinos Review // Insights

Mass Market Vs. Mass Affluent: A Data-Driven Primer

Curinos’ latest U.S. Banking Shopper Survey offers insights on how to best meet the needs of the mass market and mass affluent customers by informing the most effective strategies for acquisition and optimal experiences to unlock primacy and improve profitability.

READ TIME: 5 MINS

March 18, 2024

Curinos Review // Insights

Bank M&A: Forget Much Of What You Think You Know

After a recent lull, banking deals are expected to pick up this year thanks to anticipated rate reductions, higher stock values and healthier balance sheets.

READ TIME: 8 MINS

March 18, 2024

Curinos Review // Insights

Curinos Review Winter 2024

Welcome to the Winter 2024 issue of the Curinos Review. The Year of Deposits. That’s how Curinos views 2024 – how to get them and how to keep them at a cost that preserves net interest margin and profitability.

READ TIME: 3 MINS

January 10, 2024

Curinos Review // Insights

Raising Meaningful Deposits In 2024: Buy Or Build?

For financial institutions looking to grow deposits significantly, a key question becomes whether buying them via acquiring another institution would be more advantageous than building them organically.

READ TIME: 9 MINS

January 10, 2024

Curinos Review // Insights

Deposits In ’24: It’s Gonna Cost You

2024 will be a great year to grow deposits for any institutions ready to spend big. For many or even most banks and credit unions, more modest goals may make more sense.

READ TIME: 8 MINS

January 10, 2024

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