Curinos Review

2024: The Year Of The Liquidity Manager

The base case for 2024 is that the economy will continue along a path of moderate growth, inflation will continue to normalize, and the Fed will gradually cut interest rates by 75 basis points over the course of the year while continuing to wind down its balance sheet.

READ TIME: 7 MINS

January 10, 2024

Curinos Review // Insights

More Mortgage Malaise, Higher Hopes For Home Equity

Curinos expects many of today’s mortgage market challenges – affordability, inventory, lack of demand – to persist in 2024, with a material recovery not likely until 2025.

READ TIME: 5 MINS

January 10, 2024

Curinos Review // Insights

Core Deposits Needed: Build Branches Or Close Them?

In the face of rising expense pressure and the continued need for low-cost deposits in a ‘higher-for-longer’ rate environment, all banking institutions in 2024 will struggle with the question of what to do with their branch networks.

READ TIME: 6 MINS

January 10, 2024

Curinos Review // Insights

Realizing The Promise Of Generative AI

In 2024, generative AI (GAI) will accelerate in use for acquiring customers, detecting fraud, reducing compliance costs, boosting customer lifetime value and more.

READ TIME: 5 MINS

January 10, 2024

Curinos Review // Insights

The Moat You Thought You Had? It’s Been Breached

Pandemic. Near-zero rates. Surge deposits. Those were the days. The realm was secure from interlopers – or so it seemed.

READ TIME: 6 MINS

September 21, 2023

Curinos Review // Insights

Higher Rates Push Banks To Draft A CD Maturity Playbook

In 2020, with interest rates in freefall during the pandemic and the Federal Reserve committed to accommodative policy, demand for CDs evaporated.

READ TIME: 7 MINS

September 21, 2023

Curinos Review // Insights

Small Businesses Offer A Clear Profitability Upside For Banks

On average, financial institutions spend about half as much to acquire small business deposits than consumer deposits. And small businesses that have a lending relationship with a bank keep far higher deposit balances than those without the lending connection.

READ TIME: 5 MINS

September 21, 2023

Curinos Review // Insights

More Than Ever, Deposits Are Key To Profitability

The winners in this challenging environment will manage near-term deposit costs to minimize back-book repricing and limit exception pricing. In the longer term, institutions need to consider marketing as an investment in new-customer growth.

READ TIME: 7 MINS

September 21, 2023

Curinos Review // Insights

Data, Discipline And Technology Can Unlock Mortgage Lending’s Potential

Today’s high interest rates are taking too much of the blame for depressed home sales.

READ TIME: 7 MINS

September 21, 2023

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