Curinos Review Archives - Page 2 of 9

Capturing The Next Generation Means Engaging Them Now

In the past year, mobile payment service Cash App has been the top downloaded financial app in the U.S. according to data.ai, ranking first on active users, total time used and usage penetration.

READ TIME: 8 MINS

June 28, 2023

Curinos Review // Insights

Section 1071 For Small Business Lending: Are You Ready?

Ready or not, it’s here! On March 30th, the Consumer Financial Protection Bureau (CFPB) issued its final rule to amend Regulation B to implement changes made to the Equal Credit Opportunity Act (ECOA) via section 1071 of the Dodd-Frank Act.

READ TIME: 3 MINS

June 28, 2023

Curinos Review // Insights

Commercial Deposits On The Front Line Of The Profitability Squeeze

A commercial profitability squeeze is coming as net interest margin (NIM) is squeezed.

READ TIME: 7 MINS

June 28, 2023

Curinos Review // Insights

Invest A Small Amount In Non-Interest Expense, Save Big On Interest Expense

In an effort to grow or retain deposits, the primary and sometimes only lever CFOs and bank treasurers pull is interest expense.

READ TIME: 6 MINS

June 28, 2023

Curinos Review // Insights

Profits Are Challenged. Cultivating Relationships Can Help.

In late February 2023, Curinos was asked to spend 15 minutes presenting to a group of CEOs about the state of the U.S. deposit market.

READ TIME: 6 MINS

June 28, 2023

Curinos Review // Insights

Curinos Review Spring 2023

Welcome to the Spring 2023 issue of the Curinos Review. Net interest margins (NIM) are at the very root of banking. Everything flows from NIM – decisions on which products to offer, what rate to charge, what asset mix to pursue and how expenses should be managed.

READ TIME: 4 MINS

March 21, 2023

Curinos Review // Insights

Preserve Margins By Managing Expenses

A wide swatch of U.S. consumers began to take notice of the Fed’s hikes last year, prompting them to switch to higher-yielding CDs, demand higher rates or vote with their feet.

READ TIME: 7 MINS

March 21, 2023

Curinos Review // Insights

The Challenge Of Managing Net Interest Margins

Net interest income can drive as much as 75% of a bank’s revenue. Because of that, the recent rise in interest rates has helped banks maintain revenue momentum despite ongoing pressures on fees.

READ TIME: 8 MINS

March 21, 2023

Curinos Review // Insights

How To Create A Green Future

Over the past decade, interest in green and ESG financial services has exploded. By some estimates, a third of all investment vehicles now fall under an ESG umbrella, and green bond issuance and green loans have soared.

READ TIME: 8 MINS

March 21, 2023

Curinos Review // Insights

Advanced Deposit Pricing Is Critical For Smaller Institutions

When it comes to deposits, financial institutions with assets below $20 billion have been a recent bright spot in the industry.

READ TIME: 5 MINS

March 21, 2023

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