Breaking Down Barriers To Reach A Wider Set Of Customers
An estimated 45 million U.S. consumers are credit invisible, have thin credit files or lack a recent credit history.
READ TIME: 7 MINS
September 21, 2023
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Curinos Review
Curinos Review Fall 2023
Welcome to the Fall 2023 issue of the Curinos Review. No one needs to be reminded that profits at many traditional banks are under intense pressure. But while unfavorable lending performance drove many past downturns, the current challenges are emanating from the liability side of the balance sheet.
READ TIME: 3 MINS
September 21, 2023
Funds Transfer Pricing Is Becoming More Customer-Centric
Funds transfer pricing, or FTP, is a common framework maintained by bank treasury that ascribes value and cost to sources and uses of bank funding, respectively, in support of profitability measurement, pricing and risk management.
READ TIME: 8 MINS
June 28, 2023
Wealth Deposits: Instability Grows. What Does The Future Hold?
Rising rates and bank failures have transformed deposits held in wealth management, brokerage and private banking from perceived as mostly stable to unnervingly volatile.
READ TIME: 9 MINS
June 28, 2023
Curinos Review Summer 2023
Welcome to the Summer 2023 issue of the Curinos Review. The liquidity crisis may have abated somewhat, but with net interest margins continuing to compress and loan volume and risk appetite both subdued, the attention now turns to profitability.
READ TIME: 5 MINS
June 28, 2023
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
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
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
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: 5 MINS
June 28, 2023